Amex EveryDay® Preferred Credit Card review

How to apply for the Amex EveryDay® Preferred Credit Card?

1. Go to the American Express website.
2. Select the Amex EveryDay® Preferred Credit Card from the list of cards. Click Apply now.
3. Complete the application form.
4. Review your application and submit it.

Amex EveryDay® Preferred Credit Card benefits

• Welcome offer. Earn 15,000 points after spending $1,000 in the first 3 months.
• Membership Rewards points. Earn 3x points at US supermarkets on up to $6,000 in purchases each year, reverting to 1x points thereafter. You’ll also earn 2x points at US gas stations, 2x points when you book through American Express Travel and 1x points on other eligible purchases. Use your points for gift cards, flights, Ticketmaster purchases and more.
• Intro APR on purchases. Enjoy a 0% intro APR on purchases for the first 12 months after opening your account. The rate reverts to an APR from 12.99% to 22.99% variable after that. If you plan to make a large purchase, the intro APR period could be useful.

You’ll also like …

• Earn 50% more points. Make 30 or more purchases in a billing period and earn 50% more points on those purchases. If you’re a big spender and want to earn more points, you’ll find this perk useful.
• Car rental insurance. Enjoy car rental coverage against theft and damage when you pay for your rental with your card and decline the collision damage waiver at the agency counter.
• global assistance. Get 24/7 access to legal, medical, financial and other emergency assistance when traveling more than 100 miles from home. Keep in mind that you’ll have to pay for any third-party service costs.
• Purchase benefits. Get an extended warranty on eligible purchases along with return protection if you want to return an item within 90 days of purchase. You’ll also enjoy free two-day shipping at ShopRunner after you enroll and purchase protection against damage and theft of your phone or other eligible item — on up to $1,000.
• Fraud protection. American Express won’t hold you responsible for fraudulent charges. Call the number on the back of your card and the customer support will help you out.

What to watch out for

• Annual fee. The Amex EveryDay® Preferred Credit Card has an annual fee of $95.
• Foreign transaction fees. Despite the travel benefits you get with this card, try to refrain from making unnecessary purchases when traveling abroad, as you’ll pay a 2.7% fee for every transaction.
• Not widely accepted overseas. Amex cards aren’t as widely accepted overseas as Visa or Mastercard.
• High late payment fees. Making late or returned payments could saddle you with fees as high as $40. You could also get stuck with a penalty APR of 29.24% variable.

Compare top rewards credit cards

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Preferred® Card from American Express		20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	$0 intro annual fee for the first year ($95 thereafter)		Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)	$0		This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...

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What should I know before I apply?

To apply for the Amex EveryDay® Preferred Credit Card, you must be at least 18 years old and a resident of the US.

In your application, you’ll have to provide:

• Your name and address.
• Your email and phone number.
• Your date of birth and Social Security Number.
• Your annual income and source of income.

What credit score do I need?

You can apply with a fair credit score in the low 600s. However, to get a high credit line and a lower APR on purchases, apply with a higher score. You’ll have a better chance of approval for the Amex EveryDay® Preferred Credit Card if you apply with a good to excellent credit score of 670 or higher.

Amex EveryDay® Preferred Credit Card reviews and complaints

The American Express Company has been accredited with the Better Business Bureau since 1948 and earns an overall A+ rating as of October 2020. However, 90% of its reviews are negative and it has nearly 3,400 customer complaints. Amex cardholders in general complain of rude customer service reps, missing statement credit and issues disputing charges.

The company earns a Trustpilot score of 2 out of 5 as of October 2020. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews say the company employs pleasant customer service representatives. Overall, your mileage may vary with American Express customer support.

I got the card. Now what?

• Set up autopay. Register an account on the American Express website or download the Amex mobile app. There, you can set up automatic payments so it’s one less thing you have to worry about.
• Enroll in ShopRunner. Enroll to get free 2-day shipping at more than 100 online retailers. And if you don’t like what you bought, you can return it for free.
• Avoid paying fees. Late and returned payments come with hefty fees of up to $40. You’ll also pay foreign transaction and cash advance fees.
• Contact customer support. If you have questions, call customer support at 1-800-528-4800. Alternatively, visit the American Express website to start an online chat with a customer service representative.

Bottom line

If you’re looking for rewards for grocery and gas spending at US retailers, pick the Amex EveryDay® Preferred Credit Card. It gives you flexible Membership Rewards points that you can redeem on merchandise, travel and more.

Don’t spend that much on gas or don’t want to pay an annual fee? You may find the similar Amex EveryDay® Credit Card to be a better option.

As always, compare credit card providers to find the best one for your unique situation.

Frequently asked questions

• Does this card have a welcome offer?
  Yes, once you spend $1,000 on purchases in the first three months of opening your account, you’ll earn 15,000 Membership Rewards points.
• If I qualify for the card’s welcome offer, when will I receive my Membership Rewards points?
  You’ll receive your points six to eight weeks after you reach the spending threshold.
• Does this card have an annual fee?
  Yes. The annual fee is $95.
• If I have a penalty APR, how long will it apply?
  The penalty APR is applied for at least six months. If you pay your balances on time and have no returned payments within that period, American Express may lower your APR.

Images: AmericanExpress.com