American Express Everyday Credit Card Review


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  • Target Bonus: 25,000 Membership Rewards Points
  • Current Bonus: 20,000 Membership Rewards Points

Annual Fee: $0

Earning Membership Rewards Points

  • 2x points at US supermarkets (up to $6,000 a year)
  • 1x everywhere else
  • 20% bonus if you make more than 20 purchases in a billing period.

Everyday Card Benefits

  • 90-day purchase protection
  • 90-day return protection

American Express has two Everyday credit cards. The standard Everyday credit card has no annual fee and the Everyday Preferred has a $95 annual fee. Each card has similar benefits, but the main reason why you would pay the extra $95 annual fee is for the ability to earn more points. 

The Preferred card earns an extra 1 Membership Rewards Point per dollar at supermarkets (3x vs. 2x) and at U.S. gas stations (2x vs. 1x). The Preferred card also earns an extra 50% bonus on your monthly points if you complete 30 or more transactions per months, whereas the Everyday card only offers a 20% bonus for 20 transactions per month. 

We value Membership Rewards points around 2 cents per points. To justify the extra $95 annual fee, you would need to spend at least $2,400 a year in gas and groceries plus complete 30 transactions per month. If you can’t complete 30 transactions per month, you would need to spend about $4,800 in gas and groceries to justify the higher annual fee.