Amex EveryDay Credit Card from American Express review | finder.com

Review: Amex EveryDay® Credit Card – August 2018

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With no annual fee and more points for US supermarket purchases, the Amex EveryDay® Credit Card offers solid rewards for everyday spending.

30-second take

  • Get this card if you want accelerated rewards for grocery spending and don’t want to pay an annual fee.
  • Pick something else if you want more rewards in other everyday-spending categories (such as gas) or want cash back.
  • Apply with a good to excellent credit score of 680 or higher.
Product NameAmex EveryDay® Credit Card
Card TypeAmerican Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases14.74% to 25.74% variable
Introductory Purchase APR0% for the first 15 months (then 14.74% to 25.74% variable)
Introductory Balance Transfer APR 0% for the first 15 months (then 14.74% to 25.74% variable)
Cash Advance Rate26.99% variable
Cash Advance Fee$5 or 3% of the cash advance amount, whichever is greater
Foreign Transaction Fee2.7% of the transaction value
Interest Free PeriodUp to 25 days
Minimum Interest$0
Late Payment Fee$38
Returned Payment Fee$38
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 10,000 points after spending $1,000 in the first 3 months
Reward Value per Dollar1 points
Rewards Points ExpiryNever

The basics

The Amex EveryDay® Credit Card is a solid choice if you spend a lot on groceries and don’t want the hassle of an annual fee. It offers 2x points at US supermarkets (on up to $6,000 per year in purchases, then 1x points on eligible purchases). On other qualifying purchases, you’ll earn 1x points.

Several American Express cards offer increased rewards for spending at both US supermarkets and US gas stations. The Amex EveryDay® Credit Card offers accelerated points only at US supermarkets. That said, if your family spends a lot on groceries and gas, you may get more out of the Amex EveryDay® Preferred Credit Card.

The perks

  • Welcome offer: 10,000 Membership Rewards points.

    When you make $1,000 in purchases in the first 3 months after your account is open, you’ll earn 10,000 Membership Rewards points.

What can you redeem Membership Rewards points for?

You can redeem Membership Rewards points for a variety of rewards, including:

  • Gift cards
  • Statement credit
  • Travel
  • Merchandise in categories like technology, home and office, fashion and beauty, and more
  • Events and experiences
  • Donations to charity
  • Paying at checkout with points (e.g., at Best Buy, Amazon, Expedia and other partners)

Membership Rewards points may be worth more or less than the industry standard of 1 point for every 1 cent, depending on what you’re redeeming for. Before trading your points, check the redemption rate.

  • Intro APR: 0% intro APR on purchases and balance transfers for the first 15 months after account opening.

    This is a strong intro APR, especially for a rewards card. After it expires, you’ll have a purchase and balance transfer APR of 14.74% to 25.74%.

    For balance transfers to qualify for the intro APR, you must make them within the first 60 days after you open your card.

  • Points: 2x points at US supermarkets.

    You’ll earn 2x points at US supermarkets (on up to $6,000 per year in purchases, then 1x points on eligible purchases.) For card with no annual fee, this is a solid rewards rate for grocery spending. On other eligible purchases, you’ll earn 1x points.

You’ll also like …

  • More points the more you use your card.

    If you make 20 or more purchases with your card in a billing period, you’ll receive 20% more points on those purchases.

  • Transfer points.

    Transfer your Membership Rewards points to eligible frequent traveler programs, such as British Airways Avios, Emirates Skywards, JetBlue TrueBlue, Choice Privileges Rewards, Hilton Honors and Starwood Preferred Guest.

  • Use Membership Rewards points for some charges.

    For some types of spending — such as retail, dining and entertainment — you can pay for card charges with Membership Rewards points.

  • Travel protection.

    You’ll have access to the American Express Global Assist Hotline and Roadside Assistance Hotline, which you can use if you find yourself in a pinch on vacation. Complimentary car rental and travel accident insurance are also included.

  • ShopRunner benefits.

    Get free two-day shipping from various stores through ShopRunner.

  • Purchase benefits.

    You’ll receive extended warranties on eligible items you buy with your card. Also, you may qualify for a refund from American Express if a merchant won’t accept a product as a return 90 days after your purchase. Lastly, your eligible items are covered against theft and accidental damage by Purchase Protection.

What to watch out for

  • Limited time for balance transfers.

    To take advantage of the intro APR for balance transfers, you need to make transfers within the first 60 days after you open your account.

  • Not as widely accepted overseas.

    Because the Amex EveryDay® Credit Card is an American Express, you might not have as many opportunities to use it overseas as you would a Visa or Mastercard.

  • Penalty APR.

    American Express may assess a penalty APR of up to 29.99% variable if you make a late or returned payment.

  • Foreign transaction fees.

    You’ll incur a 2.7% transaction fee if you use your card abroad, and potentially if you use it on a foreign website.

  • Other transaction fees.

    You’ll pay a fee when you make a balance transfer or cash advance.

  • It hurts to pay late.

    Making late or returned payments could saddle you with fees as high as $38 per infraction.

Consider other cards if…

  • You want cash back.

    Consider a card like the Citi® Double Cash Card, which offers 1% cash back on all purchases and another 1% as you pay them off. Also, consider the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card for cash back on gas and groceries.

  • You want Membership Rewards points for gas spending.

    Consider the Amex EveryDay® Preferred Credit Card, which offers 2x points at US gas stations as well as 3x points at US supermarkets (on up to $6,000 per year in purchases, then 1x points on eligible purchases).

  • You want a longer intro APR on purchases and balance transfers.

    Try the Citi Simplicity® Card, which offers 0% intro APR on purchases and balance transfers for 18 months (after that, a variable purchase and balance transfer APR of 15.74% to 25.74%). Unlike the Amex EveryDay® Credit Card, the Citi Simplicity® Card doesn’t offer rewards.

  • You want a market-leading balance transfer intro APR.

    The Citi® Diamond Preferred® Card offers 0% intro APR on balance transfers for a market-leading 21 months, and 0% intro APR on purchases for 12 months. (After that, a variable purchase and balance transfer APR of 14.74% to 24.74% variable.) It doesn’t offer rewards.

Compare other American Express credit cards

Updated August 20th, 2018
Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
14.74% to 25.74% variable
0% for the first 12 months (then 14.74% to 25.74% variable)
$95
Earn $250 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
None (Charge Card)
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
16.99%, 19.99% or 21.99% variable
$0
Earn rewards with no annual fee.
$0 annual fee for the first year ($195 thereafter)
Earn 50,000 Membership Rewards® Points after spending $2,000 on purchases in the first 3 months.
17.49% to 26.49% variable
$0
Earn 50,000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
17.49% to 26.49% variable
$0 annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new Card to make $3,000 in purchases within the first 4 months
17.49% to 26.49% variable
$450
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
17.49% to 26.49% variable
$195
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles(MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
None (Charge Card)
$0 annual fee for the first year ($95 thereafter)
Shop with more confidence
17.49% to 26.49% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on first year and earn up to 2 Starpoints® for every dollar of eligible purchases.

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What should I know before I apply?

To apply for the Amex EveryDay® Credit Card, you must be:

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

You’ll have a better chance of being approved for the Amex EveryDay® Credit Card if you apply with a good to excellent credit score of 680 or higher.

What’s my likelihood of being approved?

If you have at least a good credit score and a relatively high annual income, you may be the type of customer American Express is looking for.

Here are a few other factors that might affect your odds of approval:

  • How many hard pulls you have on your credit report. If you have several hard inquiries — or hard pulls — on your account, it might make you look desperate for credit. This implies you’re having trouble managing your debt, and American Express may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Credit utilization is a major factor that American Express considers. Providers prefer customers with low balances relative to their credit limits. Having many new card accounts may be a red flag too, as it may indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for welcome bonuses.

What do customers say about the Amex EveryDay® Credit Card?

Customers generally say the Amex EveryDay® Credit Card is a well-rounded product, highlighting the card’s points, $0 annual fee and long intro APR. However, many cardholders say they were approved for much lower credit limits than they expected.

American Express earns a Trustpilot score of 3.1 out of 10 at the time of this writing. 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.

American Express earns an overall A+ rating from the Better Business Bureau.

How to apply for the Amex EveryDay® Credit Card

  1. On the American Express website, click Apply Now.
  2. Fill out the application form. Provide information like your Social Security number, home address, income source and total annual income.
  3. Review and submit your application.

How long will it take to be approved?

Because American Express automates conditional approval online, you may get a decision on your application within minutes. If there are issues with your application, it may take a few days to a few weeks to hear back.

How long will it take to get my Amex EveryDay® Credit Card?

After you’re approved, you’ll typically receive your card within seven to 10 business days.

I got the card. Now what?

  • Make timely payments. Register an account at the American Express website to pay your balance online. You can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees. Balance transfers, cash advances and foreign transactions also come with fees.
  • Contact customer service. Help documents aren’t easily accessible on the American Express website, but you can call 1-800-528-4800 for customer service. According to market research company J.D. Power, cardholders give American Express high marks for customer interaction.

Bottom line

The Amex EveryDay® Credit Card is a solid card in several respects, offering rewards, a strong intro APR and a welcome offer. It’s an especially good choice if you regularly spend on groceries. If you’re part of a busy family with a high volume of everyday spending, consider cards that offer accelerated rewards for both gas and groceries.

Frequently asked questions

Images: americanexpress.com

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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