Review
Updated
Fact Checked
Nathan Alderman
Offer Status
The information for the Amex EveryDay® Credit Card from American Express has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
For an introduction to American Express's popular rewards program, the Amex EveryDay® Credit Card from American Express lets you earn points without paying an annual fee (see rates and fees). You can even earn extra points if you use it enough each billing cycle. Terms apply. This card won't be right for everyone, though, as it has some notable limitations. Find out about those and much more in our Amex EveryDay® Credit Card from American Express review.
Amex EveryDay® Credit Card from American Express
Great for: U.S. supermarket purchases
Rating image, 3.00 out of 5 stars.
3.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
![]()
![]()
![]()
![]()
![]()
= Best
![]()
![]()
![]()
![]()
= Excellent
![]()
![]()
![]()
= Good
![]()
![]()
= Fair
![]()
= Poor
= Best
= Excellent
= Good
= Fair = Poor
Rating image, 3.00 out of 5 stars.
3.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
![]()
![]()
![]()
![]()
![]()
= Best
![]()
![]()
![]()
![]()
= Excellent
![]()
![]()
![]()
= Good
![]()
![]()
= Fair
![]()
= Poor
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: N/A
Regular APR
18.24% to 29.24%, variable
Rewards 2x points at US supermarkets ($6,000 spending cap per year), 1x points on other purchases. Use your Card 20 or more times in a billing period to earn 20% more points
1x - 2x points
Annual Fee
$0
Welcome Offer 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months
10,000 Membership Rewards® points
-
With no standout features, this card sits in the middle of the pack and can't quite compete with the top offers.
-
- 0% intro APR offer
- Welcome offer
- No annual fee
- U.S. supermarket rewards
- Bonus points for using the card often
- Limited bonus categories
- Foreign transaction fee
-
- Earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months.
- Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 18.24% to 29.24%.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- No annual fee.
- Terms Apply.
The information for the The Amex EveryDay® Card from American Express has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
|
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Full Amex EveryDay Card review
This credit card is a good fit for: Consumers looking for a no annual fee card that earns valuable American Express points. Those who make lots of purchases will also score bonus points with this card.
Top perks
Here are more details on the benefits of the Amex EveryDay® Credit Card from American Express.
0%, 15 months intro APR
This card has a 0%, 15 months intro APR on purchases and balance transfers. After the intro period, the go-to 18.24% to 29.24%, variable rate applies. If you need to pay off any big purchases over time, or refinance credit card debt, a 0% intro APR comes in handy. While 15 months isn't the longest 0% intro APR period, it's up there with what other rewards cards offer. (See rates and fees, terms apply.)
Up to 2 points per $1
The Amex EveryDay® Credit Card from American Express earns 2 points per $1 at U.S. supermarkets, up to a maximum of $6,000 per calendar year. On all other spending, it earns 1 point per $1. Terms apply.
10,000 Membership Rewards® points
As a new Card Member, you can earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months. It's not anywhere near the biggest welcome offers, but it's a decent offer for a no annual fee card. Terms apply.
Flexible rewards points
One thing we love about American Express cards that earn Membership Rewards points are the redemptions that the rewards program offers. American Express has quite a few travel partners, including many popular airlines and hotels, where you can transfer your points. With a little know-how, you could get $0.02 per point or more by transferring your points.
You can also use points as cash through American Express Travel. The best option is to do this with airfare, where you'll get $0.01 per point. Terms apply.
READ MORE: A Complete Guide to American Express Membership Rewards Points
20% extra points
If you make at least 20 purchases in a billing period, you'll receive a 20% points bonus on those transactions. For bonus category purchases, that would bump your rewards rate up to 2.4 points per $1. Purchases at the standard rewards rate would earn you 1.2 points per $1. Terms apply.
No annual fee
You don't need to take on any new out-of-pocket costs with this card. That's especially helpful if you're getting it to save money with its 0% intro APR. (See rates and fees.)
Car rental loss and damage insurance
You'll have this complimentary insurance on eligible rentals that you pay for using Amex EveryDay® Credit Card from American Express. Note that you do need to decline the collision damage waiver for your card's insurance to apply. Terms apply*.
LEARN MORE: A Complete Guide to American Express Car Rental Insurance
Purchase protection
Eligible purchases made with this card are covered against damage or theft for the first 90 days. The coverage maximum is up to $1,000 per eligible purchase and up to $50,000 per calendar year. Terms apply.
LEARN MORE: A Complete Guide to American Express Purchase Protection
What could be improved
There are a few areas where American Express could make this card better.
Limited bonus categories
The rewards rate on this card is disappointing. Even if you only look at no annual fee cards, there are plenty of options available that have more bonus categories and earn more. You may want to compare credit cards to see if another rewards card would better fit your spending habits.
Incentivizes spending money
The 20% points bonus you'll get for making at least 20 purchases per month is nice, but it can also motivate you to buy things you don't really need. Terms apply. Make sure you avoid the temptation to overspend if you get this card.
Foreign transaction fee
It could get costly to use the card outside the country, as it charges a 2.7% foreign transaction fee. For international travel, you're better off checking out travel credit cards that won't charge you this fee. (See rates and fees.)
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
To apply for Amex EveryDay® Credit Card from American Express, you should have good credit, meaning a FICO® Score of 670 or higher. American Express will look at several factors in addition to your credit score, but your credit is a key part of whether your application is approved or denied.
The Amex EveryDay Card is right for you if:
You want an American Express rewards card that doesn't charge an annual fee. It's also worth considering if you're interested in paying off purchases over time or consolidating your credit card debt with this card's 0% intro APR. (See rates and fees).
While the Amex EveryDay® Credit Card from American Express has some solid benefits, it doesn't stand out in any particular area. There are top credit cards with higher rewards rates and longer 0% intro APR offers. It's not bad for getting started with the American Express Membership Rewards program, but for most consumers, there are better options out there.
READ MORE: Expert Credit Card Reviews
Our Credit Card Methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
-
The credit limit for the Amex EveryDay® Credit Card from American Express typically ranges from a minimum of $1,000 to $20,000 or more. When you're approved for the card, American Express sets a credit limit based on your income, credit profile, and other factors.
-
The Amex EveryDay® Credit Card from American Express generally isn't too hard to get if you have good credit. Specifically, aim for a FICO® Score of at least 670 before you apply.
-
Yes, you can use the Amex EveryDay® Credit Card from American Express internationally. However, it charges a foreign transaction fee of 2.7% of the transaction amount in U.S. dollars.
Our Credit Cards Experts
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
Share This Page
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
American Express is an advertising partner of The Ascent, a Motley Fool company. Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Target, U.S. Bancorp, Uber Technologies, and Visa. The Motley Fool has a disclosure policy.
For rates and fees for the Amex EveryDay® Credit Card from American Express, click here
The Motley Fool recommends Amex.