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

Review: Amex EveryDay® Credit Card – February 2018

With no annual fee and rewards for spending on groceries, the Amex EveryDay card is a good pick.

  • Get this card if… you want rewards for grocery spending and don’t want an annual fee.
  • Pick something else if…you want rewards for spending on gas or want cash back.

The Amex EveryDay is a decent pick if you’re looking for a rewards boost on spending on groceries. It’s not as powerful as its sibling, the Amex EveryDay Preferred, but you won’t have to worry about an annual fee.

Product NameAmex EveryDay® Credit Card
Intro APR for Balance Transfer0% Intro APR for first 12 months (with whichever is greater, $5 or 3% balance transfer fee)
Balance Transfer Rate (not intro)14.24% to 24.24% variable
APR for Purchases ( Purchase Rate )14.24% to 24.24% variable
Annual fee$0
Cash Advance Rate26.49% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 25 days
Returned Payment Fee$38
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
2.7% of transaction value
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$38
Late Payment Fee$38
Cash Advance Fee$5 or 3% of the amount of each cash advance, whichever is greater
Rewards ProgramAmerican Express Rewards
Bonus Points on Sign-up10,000
Rewards Points per $ spent (VISA/MC)2
Points ExpiryNever

Amex EveryDay Credit Card: The Basics

Several American Express cards offer increased rewards for grocery and gas spending. The Amex EveryDay card offers 2x points only on grocery purchases. If you’re a family that spends a lot on groceries and gas, you will probably get more out of the Amex EveryDay Preferred. This card has a $0 p.a. annual fee, but it gives 2x points on groceries and 1x points on gas.

If you want to earn Membership Rewards points without the hassle of an annual fee, however, the Amex EveryDay is a decent choice. Like the Preferred, it offers perks like a signup bonus, 0% intro APR for the first 12 months and double points for bookings at American Express Travel. Plus, just use your card 20 times in a billing cycle and get 20% more points.

The Perks

  • SIGNUP BONUS: More Membership Rewards points. Earn 10,000 Membership Rewards points if you spend $1,000 in the first three months.
  • INTRO APR: A solid 0% APR period. 0% purchase APR for the first 12 months. balance transfer APR for the first 12 months (on balance transfers made within the first 60 days).
  • POINTS: More points on groceries. 2x points at US supermarkets. (up to $6,000 in purchases each calendar year, then 1x points) 2x points when you book through American Express Travel. 1x points on other eligible purchases.
  • More points the more you use your card. If you use your card at least 20 times in a billing cycle, you’ll receive 20% more points.
  • Transfer points. Transfer your Membership Rewards points to eligible frequent traveler programs.

You’ll also like…

  • 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.
  • Redeem Membership Rewards points. You can use your Membership Rewards points for gift cards, entertainment, merchandise, Ticketmaster purchases and more.
  • 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. Also, get complimentary car rental and travel accident insurance.
  • Purchase benefits. Get free two-day shipping at ShopRunner, as well as extended warranties and purchase protection on eligible items.

What to watch out for

  • Limited time for balance transfers. To take advantage of the APR for balance transfers, you need to make transfers within the first 60 days.
  • Not as widely accepted overseas. Because the Amex EveryDay is an American Express card, you might not have as many opportunities to use it overseas as you would with a Visa or Mastercard. It also has a foreign transaction fee.
  • It hurts to pay late. Making late or returned payments could saddle you with fees as high as $38.

Consider other cards if…

  • You want cash back. Consider a card like the Citi Double Cash, which gives you unlimited 2% cash back on everything you buy. Also, consider the Blue Cash Card, the Blue Cash Everyday and the Blue Cash Preferred for better cash back on gas and groceries.
  • You want Membership Rewards for gas spending. Consider the Amex EveryDay Preferred, which gives 2x points at US gas stations.

Compare other American Express credit cards

Rates last updated February 24th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Wells Fargo Propel 365 American Express® Card
15.24% to 23.24% variable
0% Intro APR for 12 months (with $5 minimum, 5% balance transfer fee)
$0 annual fee for the first year ($45 thereafter)
20,000 bonus points if you spend $3,000 (net purchases) in first 3 months
Wells Fargo Propel American Express® Card
14.24% to 26.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
20000 bonus points if you spend $1,000 (net purchases) in first 3 months
Blue from American Express® Card
16.49%, 19.49% or 21.49% variable
16.49%, 19.49% or 21.49%% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn rewards with no annual fee.
Blue Sky from American Express® Card
18.49%, 21.49% or 23.49% variable
18.4921.4923.49% Intro APR for within 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Flexible travel rewards and no annual fee.
Hilton Honors™ Card from American Express
16.99% to 25.99% variable
16.9925.99% Intro APR for 60 days of account opening (with whichever is greater, 5% or 3% balance transfer fee)
$0
Earn 50000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
Hilton Honors™ Surpass® Card from American Express
16.24% to 20.24% variable
16.2420.24% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$75
Earn 100000 Hilton Honors Bonus Points after spending $3,000 in purchases on the Card within your first 3 months of Card Membership.
American Express Serve®
FREE ATM withdrawals at over 24,000 MoneyPass® ATM locations nationwide.
The Mercedes-Benz Credit Card from American Express
16.49% variable
16.49% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 10000 Membership Rewards ® points after using your new Card to make $1,000 in purchases within the first 3 months.
Plenti® Credit Card from Amex
15.99% to 25.99% variable
15.9925.99% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 5000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn 5,000 Medallion® Qualification Miles (MQMs)
and 35000 bonus miles after you spend $1,000 in purchases on your new card in your first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new card within your first 3 months.
Gold Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99%% Intro APR for 60 days of account opening (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 30000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Delta Reserve® Credit Card from American Express
16.99% to 25.99% variable
$450
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
Platinum Delta SkyMiles® Credit Card
16.99% to 25.99% variable
16.99% to 25.99% variable% Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$195
Earn bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
American Express® Green Card
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($95 thereafter)
Shop with more confidence
Premier Rewards Gold Card from American Express
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($195 thereafter)
More Points. More Rewards.
The Platinum Card® from American Express
No interest charges because you pay your balance in full each month
$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.
Blue Cash Everyday® Card from American Express
14.24% to 25.24% variable
0% Intro APR for first 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
Blue Cash Preferred® Card from American Express
14.24% to 25.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
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.
Amex EveryDay® Credit Card
14.24% to 24.24% variable
0% Intro APR for first 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Amex EveryDay® Preferred Credit Card
14.24% to 24.24% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$95
Earn 15000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Starwood Preferred Guest American Express Credit Card
16.49% to 20.49% variable
16.4920.49 % Intro APR for 60 days (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($95 thereafter)
Earn 25000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
USAA Secured Card American Express®
11.15% to 21.15% variable
$35
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
USAA Cashback Rewards Plus American Express® Card
13.15% to 27.15% variable
$0
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.

Compare up to 4 providers

What to know before you apply

To apply for the Amex EveryDay, you must be:

  • At least 18 years old
  • A US resident

What credit score do I need?

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

How to apply for the card

1. On the American Express website, click the Apply Now button.

step 1 amex everyday credit card

2. Fill out the application form. Provide information like your Social Security number, home address, income source and total annual income.

step 2 amex everyday credit card

How long will it take to be approved?

Because conditional credit card approval is automated on the website, you can get a decision on your application within 60 seconds.

I got the card. Now what?

  • Making payments. Register an account at the American Express website to pay your balance online. You can also enroll in autopay.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $38.
  • 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 in customer interaction.

Bottom line

Pick the Amex EveryDay Credit Card if you want a simple rewards structure and a 0% intro APR.

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