- 1 AmEx EveryDay (ED) Credit Card (2017.8 Updated: Targeted 10k MR Spending Offer)
- 2 The AmEx EveryDay Credit Card (ED) Review
- 184.108.40.206 Complimentary ShopRunner Membership
- 220.127.116.11 American Express Personal Loans
- 18.104.22.168 Car Rental Loss and Damage Insurance
- 22.214.171.124.1 Review of the Capital One® Platinum Credit Card
- 126.96.36.199.2 Review of the Hilton Honors American Express Business Card
- 188.8.131.52.3 American Express Business Credit Cards and Charge Cards: An Overview
- 3 The Amex EveryDay® Credit Card from American Express – Review
- 4 The Amex EveryDay® Credit Card from American Express Reviews
- 5 Amex EveryDay Card Review: Is it Good?
AmEx EveryDay (ED) Credit Card (2017.8 Updated: Targeted 10k MR Spending Offer)
The AmEx EveryDay Credit Card (ED) Review
2017.8 Update: Check you email! Amex has sent out targeted offers to some card holders. They can earn 10k MR points after spend $1000 before Oct, 31st, registration required. Direct link to the offer, but only invited card members can register.
- AmEx EveryDay (ED) public link. This is the official link, possible 25k offer with $2000 spending requirement. Note that you have to use the incognito mode or empty the cache in your browser to see the 25k offer. If you can only see the 10k or 15k offer, please try a few more times. Now the offer differs by location, you may need a VPN to see the big offer, see How to Use VPN to Get Amex Big Offers for details.
- AmEx EveryDay (ED) referral link. This is our referral link, only 15k offer with $1000 spending requirement. If you failed to see 25k offer using the above link or you want to thank us, you can use this referral link.
- Earn 25,000 Membership Rewards (MR) Points after spending $1,000 in first 3 months. This is the highest public offer in history, don’t hesitate and you should apply now if you need this card!
- We estimate that Membership Rewards (MR) are worth about 1.6 cents/point, see below for a brief introduction. So the 25k highest sign-up bonus is worth about $400!
- Earn 2 Membership Rewards Points per $1 spent at US supermarkets; 1 Membership Rewards Point per $1 spent on other purchases.
- If you use your card 20 or more times per month, get 20% more points on those purchases: 2.4 MR (
3.8%) at US supermarkets, 1.2x (
1.9%) on other purchases.
- Only first $6,000 purchases per calendar year at US supermarkets can earn 2x MR, after that you can only earn 1x.
- According to the definition by American Express, Target Walmart and Costco don’t count as supermarkets, and you can only get 1x when shopping there.
- This credit card is on American Express Network, not Visa or MasterCard, so some small stores may not accept it.
- The 2x bonus categories are limited within the United States. Well, the Foreign Transaction Fee exists anyway, so better not use it outside the US.
- You can earn MR points with AmEx ED, AmEx EDP, AmEx Green, AmEx Gold for Ameriprise, AmEx PRG, AmEx Platinum, AmEx Platinum for Ameriprise, AmEx Platinum for Schwab, AmEx Platinum for Mercedes-Benz, AmEx Blue Business Plus, AmEx Business Green, AmEx Business Gold, AmEx Business Platinum, etc.
- The MR points you earn on different MR cards will automatically go to the same MR account.
- MR points never expire. You will not lose the MR points on one card if you close the account, but you will lose all of the MR points if you close all of the MR cards. In order to avoid losing your MR points, we recommend to keep the no annual fee AmEx ED.
- If you have any of the MR cards, MR points can be transferred to some airline miles. One of the most common and best way to use MR points is to 1:1 transfer them to All Nippon Airways (ANA, NH) miles (Star Alliance). Other good options are: Air Canada (AC) (Star Alliance), Delta Air Lines (DL) (SkyTeam), British Airways (BA) (Oneworld), Asia Miles (Oneworld), Singapore Airlines (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), etc. If you use MR in this way, the value is about 1.6 cents/point.
- If you have any of the MR cards, you can redeem your MR points at a fixed rate about 1 cent/point towards air tickets on AmEx travel portal.
- If you have AmEx Platinum for Schwab, you can redeem your MR points at a fixed rate 1.25 cents/point towards cash. If you don't want to spend time studying airline miles, this is a pretty good way to cash out the points. If you don't have this card, you can only redeem your MR points at a fixed rate 0.6 cents/point towards cash.
- In summary, we estimate that MR points are worth about 1.6 cents/point.
- For more information about MR points, see Maximize the Credit Card Points Values (overview), and Introduction to MR: How to Earn and Introduction to MR: How to Use (very detailed).
- You can get the sign-up bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
- AmEx doesn’t care about the number of hard pulls.
- You can try to apply for it when you have a credit history of 3 months.
- You must wait at least 90 days between the application for ED and EDP, otherwise the application will be cancelled.
- Only one AmEx credit card can be approved in a day. This rule does not apply to charge cards, you can be approved for one credit card and multiple charge cards in the day. Multiple cards approved in the same day will only have one Hard Pull.
- Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
- You can keep at most 5 AmEx credit cards, not including charge cards.
Since you can have it in a very early stage (a credit history for 3 months), this credit card is very worth applying! Also as a good grocery credit card and the only no annual fee credit card to keep MR points, this credit card is also very worth keeping! Note that our most recommended grocery credit card is not this card, but should be one of AmEx Blue Cash Preferred (BCP), AmEx EveryDay Preferred (EDP) or Sallie Mae (SM) (see Best Rewards Credit Cards For Grocery).
Here I recommend a way to meet the spending times requirement quickly, in case you can’t meet the requirement in time: Amazon Gift Card Reload. The minimum amount $0.50 each time.
The Amex EveryDay Credit Card is a good rewards card for people who make many purchases, spending a lot on groceries. It offers points for purchases, as well as a bonus for using the card more each month.
You can get the most value for your points by transferring them to a travel partner. But the normal redemption options are pretty good too, providing up to 2.4% cash back depending on how you earn and redeem points.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR 0% for 15 months
- Regular Purchase APR 14.24%–25.24% Variable
- Earn 2 points for every $1 spent at US supermarkets, up to $6,000 per year in purchases, then you’ll receive 1 point
- Earn 1 point for every $1 spent on all other purchases. Terms and limitations apply
- Earn 20% extra points – If you use your card 20 or more times on purchases in a billing period you’ll receive 20% more points on those purchases minus returns and credits. Terms and limitations apply
- Membership Rewards® Program – use rewards points on 500+ leading brands in travel, gift cards, merchandise, or entertainment
- Points can be transferred to eligible frequent traveler programs as well
- Signup Bonus 10,000 Membership Rewards® Points if you spend $1,000 in the first three months.
- Chip Technology Chip-and-Signature
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
Get significant discounts at a wide variety of retailers, both online and in-store.
Occasionally you’ll be given the opportunity to save 10% on your cable, satellite TV, and/or cell phone bills.
If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.
Exclusive discounts to events, concerts, sporting events, and shows.
Complimentary ShopRunner Membership
Cardholders can enroll in ShopRunner for free, which provides free two-day shipping at participating retailers.
American Express Personal Loans
Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved).
You won’t be held responsible for fraudulent charges with your card. Contact the card issuer if you suspect any unauthorized activity.
Provides help with fraudulent transactions, including negotiating with retailers.
For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty.
Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.
If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1000 per year for each account.
Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You pay for all third-party service costs.
Car Rental Loss and Damage Insurance
Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.
When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.
Added financial security if death or dismemberment is caused when traveling by plane, train, ship, or bus.
Read about experiences others have had with this card and leave your own review here.
For People with
Want to pay your bill or check your balance?
Need to speak to customer service for this issuer?
- Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
- Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 14.24% to 25.24%, based on your creditworthiness and other factors.
- Terms and limitations apply.
Review of the Amex EveryDay and Amex EveryDay Preferred Credit Cards
The American Express Everyday® Credit Card vs The Chase Freedom® Card
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The Capital One Platinum Card is not a bad option for people with average credit. There's no annual fee or rewards, but you can build your credit with it.
Review of the Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card provides 12X points at Hilton properties, 6X points on select business expenses, and some nice perks.
American Express Business Credit Cards and Charge Cards: An Overview
In an American Express small business card right for you? Learn about the array of different credit cards and charge cards available from Amex now.
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The Amex EveryDay® Credit Card from American Express – Review
The Amex EveryDay® Credit Card from American ExpressLearn More
- Welcome Offer: 10,000 Membership Rewards points after spending $1,000 in 3 months
- Rewards: 2x points at supermarkets ($6,000 yearly cap); 1x points on other purchases (no limit); 20% points bonus for using your Card 20 or more times on purchases in a billing period
- Intro APR: 0% for 12 on purchases and balance transfers
- Regular APR: 14.49% - 25.49% variable, depending on your personal creditworthiness and prevailing interest rates
- Fees: 2.7% foreign transaction fee; 3% balance transfer fee ($5 minimum)
- Annual Fee: $0
- Credit Needed: Excellent
Learn more about this card and find out how you can apply here.
The Amex EveryDay® Credit Card from American Express (a Money Crashers partner) is a cash back credit card that utilizes a complicated but versatile point system to reward users. It has no annual fee and accelerated point earnings (2 points per $1 spent) at the supermarket, plus 1 point per $1 spent on everything else.
When you spend at least $1,000 within 3 months of opening your account, you get 10,000 Membership Rewards points. That’s worth up to $100 at redemption.
Every supermarket purchase made with your Amex EveryDay Card earns 2 Membership Rewards points per $1 spent, up to an annual purchase cap of $6,000. Above the cap, supermarket purchases earn an unlimited 1 point per $1 spent. All other purchases also earn an unlimited 1 point per $1 spent. Note that American Express excludes big-box superstores such as Walmart and warehouse clubs such as Costco from its supermarket definition.
Separately, the Double Membership Rewards program doubles your point earnings on most prepaid travel purchases (but not car rentals) made through American Express’s travel portal, including hotels and airfare. Also, when you make at least 20 purchases in a billing period, you automatically earn a 20% bonus on all points earned during the period (retroactive to the first day).
You can redeem your accumulated Membership Rewards points at American Express’s Membership Rewards portal, starting at a minimum of 1,000 points. Redemption options include Uber and taxi rides, general merchandise, gift cards, and statement credits. Point values range from $0.005 to $0.01 at redemption. Cash equivalents are generally worth less – for instance, statement credits work out to $0.006 per point, while Uber credits go for $0.01 per point.
Your purchase and balance transfer APR is fixed at 0% for the first 12 months your account is open. Qualifying balance transfers must be made within 30 days of account opening. Following the introductory period’s end, the variable APR ranges between 14.49% and 25.49% APR, depending on your personal creditworthiness and prevailing interest rates.
There is no annual fee to use this card. Foreign transactions cost 2.7% of the total transaction amount. Balance transfers and cash advances both cost the greater of $5 or 3% of the total amount, while late and returned payments cost up to $38 each.
The Amex EveryDay card comes with some useful shopping benefits, including reimbursement (up to $300 per item) for returns rejected by the merchant within 90 days of purchase; extended warranty coverage on all items with original warranties lasting less than five years; and purchase protection against accidental damage and theft for 90 days from purchase date.
In addition to the Double Membership Rewards deal explained above, Amex EveryDay’s travel benefits include 24/7 roadside assistance for all cardholders; 24/7 global assistance for cardholders traveling more than 100 miles from home; and complimentary car rental insurance against loss and damage.
This card requires excellent credit.
- No Annual Fee. This card doesn’t come with an annual fee, which is great for budget-conscious cardholders. American Express Blue Cash Preferred, EveryDay’s stablemate, has a $95 annual fee.
- Frequent Spender Bonus. When you make 20 purchases in any given month, you earn a 20% point bonus for that period. That’s great news for people who use EveryDay as their “everyday9rdquo; credit card. Popular alternatives such as Chase Freedom and Discover it don’t offer a monthly points bonus.
- Generous Intro APR Period. The 12-month 0% purchase and balance transfer APR is among the longest in the cash back category. Capital One Quicksilver only offers a 0% promo APR for a limited time, while the Discover it family’s (including Discover it Chrome and Discover it for Students) promotion also lasts for 12 months.
- Double Rewards on Travel Purchases. Separately from EveryDay’s double-points supermarket spending category, you earn 2 points per $1 spent on prepaid travel booked through American Express’s travel portal – a nice perk for frequent travelers who don’t want dedicated travel rewards credit cards. Capital One Quicksilver and Discover it don’t have equivalent benefits.
- Good for People With Less Than Perfect Credit. Most American Express cards, and higher-end cash back credit cards in general, require excellent credit. While EveryDay is definitely for people with good credit (at a minimum), and Amex doesn’t get into detail about how it screens applicants or whether it applies a minimum credit score test, this card is definitely for people who have less than perfect credit. In other words, it’s a great “first American Express card.”
- Mediocre Welcome Offer. The EveryDay Card doesn’t have the best welcome offer around. It’s worth a maximum of $100, depending on how you redeem your points, and can be worth as little as $50. Plus, you need to spend $1,000 in 3 months to earn it. BankAmericard Cash Rewards MasterCard and Capital One Quicksilver both offer $100 bonuses for just $500 in spending, while Chase Freedom offers a $150 bonus for $500.
- Points Often Have Low Value at Redemption. The EveryDay Card’s Membership Rewards points are worth anywhere from $0.005 to $0.01 apiece at redemption. That’s lower than many other cash back credit cards, including American Express’s own Blue Cash Everyday ($0.01) and Chase Freedom (up to $0.0125).
- Not Ideal for Statement Credit Redemptions. When redeemed for statement credits, Membership Rewards points are worth just $0.006 apiece. That’s lower than Capital One Quicksilver ($0.01) and Chase Freedom ($0.01). If you prefer to redeem your accumulated credit card rewards for statement credits, look to one of those alternatives.
- Points-Based Rewards System Is Somewhat Confusing. The EveryDay Card’s points-based reward system is a bit more confusing than the typical cash back rewards program because it’s not immediately apparent what different redemption methods are actually worth. Capital One Quicksilver and Discover it deliver cash back as cash or cash equivalents (such as gift cards), always at a rate of $0.01 per cash back point. Although Chase Freedom offers merchandise and travel in addition to cash equivalents, its cash back points are always worth $0.01 when redeemed for merchandise and $0.0125 when redeemed for travel.
- Has Foreign Transaction Fees. This card’s foreign transaction fee (2.7%) is a bummer for people who travel frequently. Capital One Quicksilver and the Discover it family don’t have foreign transaction fees, and the USAA Cash Rewards American Express Card has a low (1%) foreign transaction fee.
- Has a Penalty APR. If you miss a payment on this card, the high penalty APR will catch up with you. Chase Freedom and the Barclaycard CashForward World MasterCard don’t have penalty APRs.
When you step back and look at its structure, the points-based Membership Rewards system on The Amex EveryDay® Credit Card from American Express isn’t that different from Chase’s Ultimate Rewards scheme, which underpins cash back cards such as Chase Freedom and travel rewards cards such as Chase Sapphire Preferred. Like Ultimate Rewards, Membership Rewards lets you redeem your accumulated points for a wide range of merchandise, travel, and cash equivalents, including gift cards and statement credits.
But one simple difference makes Membership Rewards seem a lot more complicated: Point values vary according to redemption method, with some merchandise commanding $0.01 per point and other options stuck with just $0.005 per point. By contrast, Ultimate Rewards redemptions are almost always worth $0.01 per point, with the extremely well-publicized exception of travel bookings ($0.0125). In a loud, confusing world, never underestimate the power of simplicity.
Learn more about this card and find out how you can apply here.
The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express is a great general-purpose, entry-level credit card for frugal to moderate spenders who crave a versatile rewards program that lets them redeem earned points for virtually anything. Thanks to a solid balance transfer promotion, it’s also a good option for people with existing high-interest credit card balances. However, if you’re looking for an extremely generous rewards program or one with favorable point values for statement credit redemptions, you need to look elsewhere.
No annual fee, great intro purchase and balance transfer APR promotion, double point earnings on travel bookings, and somewhat relaxed credit standards are key benefits. Confusing points system, potentially low point values at redemption, mediocre welcome offer, and foreign transaction fees are problematic. Overall, a good first American Express card for people who like versatile rewards.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
The Amex EveryDay® Credit Card from American Express Reviews
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From Cardholders in the last year
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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
4 out of 5 stars
4 out of 5 stars
- Balance Transfer Intro APR 0% for 15 Months
- Balance Transfer Regular APR 14.49% - 25.49%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 15 Months
- Purchase Regular APR 14.49% - 25.49%* Variable
I started out with this as my first actual credit card I only had a Macy’s store card prior to this card . I had a score of 681 when I applied expecting to get approved for a very low limit . I received a 2,000 limit from the start .Not amazing comparatively , but definitely gives you flexibility . After about 6 months of owning this card my credit score had risen to 720. I continued to charge more than I should , but I make payments of $500 a month to my card and they seem to be satisfied with the rate at which I was paying it off so they then raised my limit to 2800 and 4 months later to 5800. So within about a year I’ve been given almost a 4,000 dollar increase without requesting it once. I’ll admit I don’t pay it off in full I’m a student just out of college and I’m a bit irresponsible with my money , but I also pay $500 a month to the card almost consistently and occasionally when I have an extra 1,000 dollars I pay that to the card as well . I think they reward people who take it seriously. I don’t just spend and try to get by on the minimum payments I’m actively trying to pay them back 1,000 every 2 months . I know people have said Amex is fickle on things like limits and declining transactions , but I’ve never had this happen and I do get close to my limits . They have a helpful tool that allows you to check ahead of time if you are approved to the spend the money ? I mean how easy is that ? Before I go out to dinner I just open my Amex app put in a higher number than I intend to spend they let me know I’m good to go and I enjoy my dinner. I guess some people don’t want to be bothered with checking and some people are in a different station in life where they can’t be bothered but a decline would be embarrassing I would think . They are just such an efficient company and owning an Amex is just very little stress you just know you are able to always count on it . I have a Chase card which won’t raise my limit which is fine I understand . Amex is not stingy with limits . I know 5800 isn’t much to some people , but it’s enough for me right now .
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Approved for 15K last year. Used in April 2017 for a $4K purchase. Amex dropped my credit limit instantly to 5K which boomeranged my credit score from 720 to 615 because of debt to ratio changed. Have 4 years of 100% paying on time.
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These reviews were written by current and former cardholders in the last year.
Low credit limit approval. WASTE OF TIME
I have a salary of $62k and make an additional $40k/yr in rental income. Was only approved for $1000. And only 75% of that can be used for balance transfer. USELESS!
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ABSOLUTE bait and switch. I have a credit score above 710, with no missed payments ever and only 15% total credit usage. I informed the representative that I was going to use the 0% balance transfer to consolidate $10K from a few other credit cards. I was only approved for $1k. After getting that number, I said that I did not want the card because that was too small, to which she said "it is already too late" to stop the process and the card was on its way. I asked her if I can increase the limit, she says I would have to do that upon receipt of the card. I receive the card, and you cannot make a balance increase inquiry until 60 days AFTER registration. Guess what, the 0% balance transfer offer ends at 60 days, meaning I can only "consolidate9quot; $1K. I call back to discuss this, THEY SAID I COULD HAVE CANCELLED AFTER BEING APPROVED. The original representative straight up lied to me to get to her commission telling me I could not cancel and now I have a completely useless credit card. I can't cancel it because it will have a negative effect on my score, and I can't increase the line because they will make a hard inquiry, again lowering my score. SO. ANGRY.
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Excellent Card - Watch Your Balance
When I applied for this card, I had been going back and forth with myself as to whether or not I wanted to take out another card. Specifically, I have been trying to rebuild my credit after doing a voluntary-reposession (turning in a lemon car I bought as-is) which had tanked my score nearly 200 points. Finally, one day I decided to give it a whirl and I applied. I had a security freesze on my credit reports, so I had to wait 24 hours to unlock them and have them be accessible to AE. Originally I was going to apply for the American Express Delta card, but when I clicked "Check My Offers" I was actually pre-approved for the Every Day card with zero annual fee!
In the end, I was initially approved for a credit limit of $1,000, with an option for a CLI within 60 days. I am super happy to finally have gotten my credit to where I can even get an American Express.
My credit mix is as follows: Transunion/Equifax: 665/670, Total Credit Cards: 4, Total Credit Limits: $2,500, Total Outstanding Debt: $140, Total Loans: $35,000 (Student), 1 Collections Account.
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Keep up the good work!
So even though you have an AMEX currently, you can apply for another? Trying to consolidate two other cards with no transfer fee and hopefully, 15 month zero interest. Thanks
I'm very pleased with my card. However, I was not eligible for the signup bonus they approved me for the basic version of this card. The signup process was very easy and fast
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I have cards with limits well over 25k and this card gave me a limit for 2k. I applied for this card to xfer a couple balances to. Ha that wont happen. I do have some with 10k on it but I have an income over 175k a year. Don't waste a hard inquiry just to get this deal. Not worth the effort or the time. I'll close the card as soon as I get it. There is no need for a card with a 2k limit when I have 30k of debt. Ill just wait until the 25k card I paid off recently offers another deal. This was a joke.
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It sounds like you had high balances on your cards already. You’d be better off paying your balances down quickly and requesting a limit increase.
Approved, but with a $500 CL (EX 655)
Once upon a time I had great credit. 10s of thousands in credit card availability. High 700s FICO. Then the recession, and a divorce, and well, life. 2010 I stopped caring about my credit. I even had a prepaid cell phone. AT&T laughed at me when I tried to upgrade from the GoPhone. The only thing that accomplished was putting a hard inquiry on my credit report for 2 years, mocking me lol. After years of paying everything in cash I really started to clean up my credit act end of 2016, beginning of 2017. I applied for - and was approved - for two CapOne cards: A secured ($300), then a Platinum ($500), with a CK score in the high 500s I think. That was about 15 months ago. My credit limits have only increased to $600 and $1100 respectively, despite never have missed a payment and keeping my utilization under 30%. My credit score lately (past 4 months) has plateaued around 650 across the board. This is probably do to close to 30 late student loan payments. Just over a year ago I refinanced / consolidated my student loans into one ginormous loan and effectively optimized my on time payments to 100% (since they only count 'open accounts'). Anyways, I'm on the threshold of fair, more closer to poor than good *sigh*, but I'm not giving up . Just takes patience (admittedly not my strong suit). With over a year of on time more than minimum payments on 2 cards I've been seriously wanting a rewards card. I spend the money, would like to get something back. Heck, anything. Cash, rewards, travel miles, jelly beans, whatever. This card kept popping up as a 'recommended for you' by CK which was nice to see since it's usually 'here ya go, how about a nice secured card, or a Finger Hut line of credit' (which there is nothing wrong with, it just wasn't what *I* wanted), but c'mon, an AMEX? No way! So I read like 100 reviews and went to their pre-approval page on their website. At first it was no offers for you! Which wasn't anything I didn't already know but a few months ticked by and I would still see this card show up as recommended, on occasion (don't think I forgot you my sweet little rewards card). I reluctantly went back to AMEX's website and went through the pre-approval process again . This time like 4 cards became available as matches (which is kinda odd because literally nothing - not even score wise - has changed in my credit). Excitedly I applied for this one and the Blue Everyday. Was approved for both, within about 30 seconds, both with a $500 limit. Do. Not. Care. This is a foot back in the door of good credit graces. I'm beyond stoked. I'm anxious to take part in those famous (& generous) credit limit increases, in the next 12-18 months. What's in your wallet? An AMEX!
Amex EveryDay Card Review: Is it Good?
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If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the Amex EveryDay® Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet.
- Earn 20% more points when you make 20 or more purchases within a billing period
- 2x points at US supermarkets (on up to $6k/year in purchases)
- No annual fee
- Foreign transaction fee
- Not a Visa/MasterCard
No annual fee rewards credit card with an enticing intro offer
This card comes with a respectable rewards rate and — this is a key point — it will give you 20% more points every month if you use your card 20 or more times on purchases within a billing period. Limitations apply as to what qualifies (something you buy and then return will not earn points, for example).
If you fall into any of these categories, the AMEX EveryDay may be right for you:
- If you spend on groceries: You get 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x). Points can be transferred to Amex travel partners.
Counterpoint: If you'd rather get cash back, consider Blue Cash Everyday.
- You’re a big supermarket shopper: Spending earns points at the rate of 1 point per dollar, but spending at U.S. supermarkets offers double points, or 2 points for each dollar spent. (on up to $6,000 per year in purchases at U.S. supermarkets)
There is $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
You can also use your points to book flights or make hotel reservations by going through the Membership Rewards website. Points can be transferred to over a dozen frequent travel AMEX transfer partners such as major carriers like Delta and JetBlue, or to hotel chains like Hilton and Starwood.
- You don't shop at supermarkets: While some cardholders may sniff at the $6,000 threshold on supermarket purchases for getting double points (that’s the equivalent of about $115 per week), some just may not be able to take full advantage of it. If you tend to eat out of takeout boxes, you dine at Mom’s more than you eat at home, or you have another credit card that you’ll use when you go the supermarket, you may want to consider another card that will reward you for the type of spending you do make.