The Amex EveryDay® Credit Card provides access to the Membership Rewards program without an annual fee. It offers bonus points at U.S. supermarkets and a 20% points boost for frequent use, making it a good entry-level option for travel rewards beginners.
(All information about the Amex Everyday has been collected independently by Deals Points and has not been reviewed or approved by the issuer.)
This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.
- Earn 10,000 Membership Rewards® Points after Spending $2,000 in your first 6 months.
- 2X Points at U.S. Supermarkets (up to $6,000 per year)
- 20% Extra Points When You Make 20 or More Purchases
- 0% Intro APR for 15 Months (thereafter, a variable rate of 17.74% to 28.74%)
- No Annual Fee (Rates and Fees)
Welcome Bonus
The Amex EveryDay Card currently offers the following welcome bonus: Earn 10,000 Membership Rewards® Points after Spending $2,000 in your first 6 months.
While not the most lucrative offer on the market, it provides a solid introduction to the Membership Rewards program without requiring an annual fee.
New cardholders should be aware of American Express’s once-per-lifetime rule for welcome bonuses. This means you can only earn the bonus on this specific card once, so it’s important to time your application when you can meet the spending requirement. The extended six-month timeframe to earn the bonus makes it more achievable for those with lower monthly spending habits.
Earning Points
The Amex EveryDay Card earns Membership Rewards points at the following rates: Cardholders who make 20 or more purchases in a billing cycle receive a 20% points bonus, increasing the effective earn rate to 2.4x points at U.S. supermarkets and on Amex Travel bookings, and 1.2x points on all other purchases.
The Amex EveryDay offers a decent rewards structure for a no-annual-fee card, especially for grocery spending and when hitting the 20-transaction bonus. However, its overall earning rates are modest compared to premium travel cards.
While it provides access to valuable Membership Rewards points, other cards may offer higher rewards on everyday spending categories. For maximizing travel rewards, pairing this with a premium Membership Rewards card could be beneficial.
No Annual Fee
The Amex EveryDay Credit Card has no annual fee, making it an attractive option for those new to travel rewards or looking to avoid fees. While the card doesn’t offer extensive premium benefits, it provides access to the valuable Membership Rewards program without an annual cost. There is no fee for adding authorized users to this card, and they can help earn points on the account.
Card Benefits and Perks
The Amex EveryDay Card offers the following benefits: 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account open, then a variable APR of 18.24% to 29.24%. 90-Day Purchase Protection: Your new purchases are covered against damage and theft for 90 days when you use your card. This protection helps safeguard your eligible items right from the moment you buy them.* Secondary Rental Car Insurance: This card provides backup protection for rental car damage or theft when you charge the full rental to your card.* Amex Offers: As an American Express cardholder, you can access Amex Offers. These targeted, limited-time promotions provide discounts or bonus points on purchases with select merchants. Offers are added to your card, and you’ll receive either a percentage or dollar amount back as a statement credit when you meet the offer terms. While offers vary and may not always align with your spending habits, this perk can be valuable when an offer matches your preferences. ShopRunner Membership: As a cardholder, you’ll enjoy a complimentary ShopRunner membership, which provides free 2-day shipping and free returns at over 100 participating online retailers. This benefit can help frequent online shoppers save on shipping costs and streamline the return process. * Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
Redeeming Membership Rewards
American Express Membership Rewards points are a versatile and valuable currency for travelers. The program offers numerous redemption options, with transfers to airline partners being the most lucrative way to use your points.
Amex partners with 18 airlines and 3 hotel chains, allowing you to access a wide range of travel possibilities. Some of the best redemptions include booking business class flights to Europe through Air France-KLM Flying Blue for as low as 50,000 miles one-way. Virgin Atlantic’s Flying Club offers excellent value for Delta One flights to Europe at 50,000 points, significantly less than booking directly through Delta.
For those planning a trip to Asia, transferring to ANA Mileage Club can yield incredible value. Round-trip business class flights from the West Coast to Tokyo can be booked for just 90,000 miles. Singapore Airlines KrisFlyer is another great option, especially for their renowned long-haul flights like New York to Singapore.
Domestic travelers can benefit from transferring to British Airways Executive Club for short-haul American and Alaska Airlines flights, with awards starting at just 8,250 Avios for distances up to 650 miles.
While transferring to airline partners typically offers the best value, Amex also allows direct redemptions for flights through their travel portal. However, this option generally provides lower value at 1 cent per point.
To maximize your Membership Rewards, focus on high-value airline transfers for premium cabin international flights. With strategic planning, you can unlock extraordinary travel experiences and significant savings on your next adventure.
Membership Rewards Transfer Partners [1 to 1]
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|---|---|
Aer Lingus Avios
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AeroMexico [1 to 1.6]
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Air Canada Aeroplan
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Air France/KLM Flying Blue
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ANA
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Avianca LifeMiles
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British Airways Avios
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Cathay Pacific Asia Miles
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Delta SkyMiles
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El Al [1,000 to 20]
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Emirates
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Etihad Guest
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Hawaiian Airlines
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Iberia Avios
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JetBlue [250 to 200]
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Qantas
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Qatar Airways
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Singapore KrisFlyer
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Virgin Atlantic
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Choice
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Marriott Bonvoy
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Hilton Honors [1 to 2]
|
Pros and Cons
Here are the advantages and disadvantages of this card:
Pros:
No Annual Fee: This card allows you to earn valuable Membership Rewards points without paying an annual fee, making it an excellent option for beginners or those who want to minimize costs.
Membership Rewards Access: Cardholders get full access to the Amex Membership Rewards program and its valuable transfer partners, which is rare for a no-annual-fee card.
Bonus Categories: The card offers 2x points at U.S. supermarkets (up to $6,000 per year) and on travel booked through Amex Travel, providing opportunities to earn extra points on common purchases.
Transaction Bonus: Users can earn a 20% points bonus when making 20 or more purchases in a billing period, effectively boosting the overall earning rate.
Cons:
Limited Benefits: As a no-annual-fee card, it lacks premium perks like airport lounge access, travel credits, or extensive travel protections that are common on higher-tier cards.
Low Base Earning Rate: The 1x earning rate on non-bonus category purchases is relatively low compared to some other rewards cards.
Foreign Transaction Fees: The card charges foreign transaction fees, making it less ideal for international travel.
Modest Welcome Bonus: While the card does offer a welcome bonus, it’s relatively small compared to many other travel rewards cards, though this is typical for no-annual-fee cards.
Alternatives to the Amex Everyday
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card (review) is one of the most popular travel rewards cards because it offers nice welcome bonus and extra points on travel and dining, which can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel℠. The Sapphire Preferred also offers great travel and purchase protections for a card with a $95 annual fee. Welcome Bonus: bonus_miles_full Earning Rewards: 5x points on travel purchased through Chase Travel, 3x points on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2x points on all other travel purchases, and 1 point per dollar on all other purchases. Card Benefits: Ability to transfer to airline and hotel partners, 25% bonus when redeeming points through Chase Travel, $50 annual hotel stay credit via Chase Travel, 10% anniversary points bonus, no foreign transaction fees, primary rental car insurance, trip delay insurance, trip cancellation insurance, baggage delay insurance, purchase protection, and extended warranty. Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express (review) offers 3% cash back on up to $6,000 per year in eligible purchases at U.S. supermarkets, U.S. online retailers, and U.S. gas stations, plus credits for eligible subcriptions. Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Earning Rewards: 3% cash back at US Supermarkets, US online retail purchases, and US gas stations; 1% back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Card Benefits: Eligible subscription credit (earn $7 back as statement credit for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites; enrollment required), secondary rental car insurance, and purchase protection.
Bilt Mastercard®
The Bilt Mastercard® (review) lets you earn valuable travel rewards on rent payments without fees while offering bonus points on dining and travel purchases. This no-annual-fee card stands out for its unique rent payment feature and strong travel benefits like rental car coverage and trip protection. Earning Rewards: 5x points on Lyft; 3x points on dining; 2x points on travel purchases; 1x points on rent payments without any transaction fees up to 100,000 points per year, and 1x points on everything else. (Five transactions are required per billing cycle to earn points.) Card Benefits: No transaction fees to pay rent and earn 1x points, primary rental car insurance, cell phone protection, trip delay and trip cancellation insurance, purchase protection, and no foreign transaction fees.
Is the Amex Everyday Worth It?
The Amex EveryDay Card is a decent entry-level option for those new to travel rewards, offering access to the valuable Membership Rewards program without an annual fee.
While its earning rates are modest, the card provides the unique perk of a 20% points bonus when making 20+ purchases in a billing cycle.
It’s a good way to start accumulating Membership Rewards points for beginners or those unable to justify annual fees. However, more experienced travelers or those seeking higher rewards may find better value in premium cards with annual fees that offer stronger earning rates and additional perks.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. 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.
