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Amex EveryDay® Credit Card

T.L. Rob
Updated on: 07/04/2017
RE®: 90
Our Rating
Amex EveryDay® Credit Card
How to Apply

To apply for this offer please contact
American Express

For excellent/good credit

"With no annual fee, this is a great starter card, as well as a solid backup option for more seasoned travelers."

The American Express EveryDay credit card has no annual fee and earns valuable points with the popular Membership Rewards program. For a long time, the only way to earn points in that long-standing and flexible rewards program involved handing over at least $100 each year to Amex. Not anymore.

While the card earns Membership Rewards points with no out-of-pocket cost, it’s also a no-frills card with fewer travel benefits than many other cards currently on the market. For most purchases, you’ll earn only 1 point per dollar, but you will earn double points at grocery stores. Plus, this card offers a unique perk: 20 percent bonus points if you make at least 20 purchases in a month.

With no annual fee, this is a great starter card, as well as a solid backup option for more seasoned travelers. If nothing else, it’s an easy and free way to keep your Membership Rewards points intact without any added cost.

Bonuses and Benefits

Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Amex EveryDay® Credit Card offers and the value of the AMEX Membership Rewards® points you earn.

Bonuses

For new applicants, you can earn 10,000 bonus Membership Rewards points after spending only 1,000 within the first 3 months of opening your account. While this may not seem like a huge sign-up bonus, it’s actually in line with other rewards cards that come with no annual fee.

Because you don’t have to pay a fee to renew your card membership each year, there is no anniversary bonus. Similarly, there are no threshold bonuses for spending a certain amount each year. That means you could use other credit cards that earn more while still keeping this credit card as part of your greater points strategy.

This card is unique from a lot of credit cards in that you earn a 20 percent bonus on all points earned each month if you make at least 20 or more net purchases. The only other card currently available with a similar benefit is the EveryDay card’s cousin, the EveryDay Preferred.

What You Get

  • Earn 10,000 points after you spend $1,000 on purchases in the first 3 months
  • Get 25% bonus points every month you make at least 20 purchases

Any points you earn are part of the American Express Membership Rewards program and will not expire as long as you have at least one open Membership Rewards credit card. Because this card has no annual fee, this is easy to do. However, it’s generally a good idea to use a credit card at least once or twice a year so the issuer knows you’re still interested in retaining the card and they don’t close your account due to inactivity.

What is the value of the Membership Rewards® Points?

Membership Rewards can be used for a variety of redemptions. While statement credits and merchandise are options, the best use of points is for travel, particularly if you transfer your points to one of American Express’ several airline and hotel partners. Two of their most popular partners are Delta SkyMiles and Aeroplan. Like all transferrable points programs, once you convert your points into airline miles or hotel points, you’re now subject to that program’s terms and conditions. Nonetheless, this is where you’ll get the most value for your points, particularly when it comes to premium cabin award seats on long-haul flights.

Sign-up Bonus
Flight Type
Average CPM
RE® VALUE
10,000
points
Economy · Domestic1.8cpm$180
Business · Domestic1.91cpm$191
Economy · International1.91cpm$191
Business · International5.62cpm$562

What is CPM and How Is It Calculated?

Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.

How we calculate CPM:

÷
×100=
The final result:
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The Best Ways to Redeem Membership Points

As mentioned above, the best way to redeem Membership Rewards points is by transferring to one of Amex’s airline partners. Like the Chase Ultimate Rewards and Citi ThankYou programs, Amex has both unique and shared airline partners.

Unlike the miles you earn with co-branded airline cards, Membership Rewards points are more valuable as you are protected from frequent flyer program devaluations. For example, if British Airways decides to increase the number of miles needed to book an award ticket, you can transfer your points to one of Amex’s other partners instead. If you collected only British Airways Avios, you’re stuck with them. But by keeping points in your Membership Rewards account, you don’t need to transfer them to a partner until you’re ready to use them.

The Best Way to Redeem Rewards for Travel in

Roundtrip Domestic

  • Austin
    New York

    AustinNew York

    Economy class
    Miles price
    15,000points
    +$29 fee
    Dollars price
    $299
  • Chicago
    Los Angeles

    ChicagoLos Angeles

    Economy class
    Miles price
    24,700points
    +$0 fee
    Dollars price
    $247
  • Seattle
    Denver

    SeattleDenver

    Economy class
    Miles price
    18,600points
    +$0 fee
    Dollars price
    $186

Roundtrip International

  • Newark
    Moscow

    NewarkMoscow

    Economy class
    Miles price
    51,500points
    +$251 fee
    Dollars price
    $810
  • Los Angeles
    Paris

    Los AngelesParis

    Economy class
    Miles price
    49,750points
    +$300 fee
    Dollars price
    $1,605
  • Houston
    Frankfurt

    HoustonFrankfurt

    Economy class
    Miles price
    49,750points
    +$360 fee
    Dollars price
    $1,777

Roundtrip Domestic

  • Miami
    Honolulu

    MiamiHonolulu

    Business class
    Miles price
    80,000points
    +$20 fee
    Dollars price
    $2,083
  • Miami
    Washington

    MiamiWashington

    Business class
    Miles price
    52,900points
    +$0 fee
    Dollars price
    $529
  • Pittsburgh
    Houston

    PittsburghHouston

    Business class
    Miles price
    50,000points
    +$13 fee
    Dollars price
    $827

Roundtrip International

  • Washington
    Porto

    WashingtonPorto

    Business class
    Miles price
    88,000points
    +$503 fee
    Dollars price
    $5,041
  • Los Angeles
    Tel Aviv

    Los AngelesTel Aviv

    Business class
    Miles price
    104,000points
    +$395 fee
    Dollars price
    $4,403
  • Atlanta
    Madrid

    AtlantaMadrid

    Business class
    Miles price
    88,000points
    +$654 fee
    Dollars price
    $4,044

Other ways you can redeem points

Hotel Stays

3 partners3 part.

In addition to transferring points to airlines, you can also transfer to select hotel loyalty programs.

Cash Back

Points can be used to pay for purchases at certain retailers like Amazon and McDonald’s, but the value of yours points diminishes greatly with these types of redemptions.

Car Rental

3 partners3 part.

While you cannot transfer points to car rental loyalty programs, you can use points to book rental cars through Amex’s travel portal.

Gift Cards

64 partners64 part.

It’s also possible to redeem points for gift cards from major retailers.

Everyday Earnings

With the Amex EveryDay, you’ll earn one point per dollar spent on every purchase. Additionally, you’ll earn an extra point per dollar spent at grocery stores (up to $6,000 per year) and when booking travel at amextravel.com. Additionally, if you make at least 20 purchases each statement cycle, you’ll earn a 20 percent bonus. That’s like earning 1.2 points per dollar on every purchase and 2.4 points per dollar at the grocery store. There is no limit to the number of base points or bonus points you can earn in a month or in a year with the exception of the double points awarded for grocery purchases.

Your Monthly Charges
Rewards You Will Earn Annually
24,000points$434in dollar value
Travel
1points/$1
Hotel
1points/$1
Car Rental
1points/$1
Grocery
2points/$1
Brand earn
1points/$1
Airfare
1points/$1
Dining
1points/$1
All Other Purchases
1points/$1

Travel Benefits

This card doesn’t come with the travel benefits that some other cards offer, but that’s due in part to its $0 annual fee.

Foreign Transaction Fees

There’s a 2.7% fee on every foreign transaction after conversion to U.S. dollars.

Earn Elite Status Fast

Although this is a great card for earning Membership Rewards, the card isn’t tied to any one specific hotel or airline program, so putting a lot of spend here won’t help earn elite status.

Fees: the cost of Having the Card

Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars
Annual Fee:
$0
Balance Transfer Fee:

Either $5 or 3% of the amount of each transfer, whichever is greater

Late Payment Fee:
Up to $38

Typically, it’s good to examine the value you get from a credit card compared to the card’s annual fee. In this case, the EveryDay card has no annual fee, so there’s no cost to you to have it. Regardless if this is your go-to card for all purchases or just a card you use occasionally, you don’t have to worry about spending a certain amount each year to get the full value from this credit card.

During the first three months of having this card, it’s important to make sure you meet the minimum spend to get the 10,000 points sign-up bonus. Beyond that, how much you use the card is up to you. Everyone uses their credit cards differently, so spend as much as you like on this card. Again, since there’s no annual fee to keep it, you don’t need to worry about spending a certain amount to get value beyond the first or second years of card membership.

Let’s see what your first-year earnings and savings will be. Then calculate the second-year savings to see if you can keep the earning power and it will be worth keeping the card a er signup bonus is no longer available. This simple calculation can show if the card is worth your attention or you can skip this offer and find another one.

These estimates are based on an annual monthly spend of $2,000

First Year

Signup Bonus
$181
Anniversary Bonus
Everyday Rewards
$434
Statement Credit
Free Bags
Earnings
$615
Foreign Transaction Fees
-$0
APRS Charges
-$0
Annual Fee
-$0
Charges
-$0
Rewards Earned First Year
$615

Second Year

Signup Bonus
Anniversary Bonus
Everyday Rewards
$434
Statement Credit
Free Bags
Earnings
$434
Foreign Transaction Fees
-$0
APRS Charges
-$0
Annual Fee
-$0
Charges
-$0
Rewards Earned Second Year
$434

Top 5 Benefits of the Amex EveryDay® Credit Card

The Amex EveryDay card has many great benefits that should appeal to everyone interested in high quality credit cards. The 10,000 -point sign-up bonus and no annual fee are among the best perks with this card.

  1. Great Rewards: The Membership Reward points you earn can be transferred to 17 different airlines and 3 different hotel programs.
  2. Solid Earning Potential: You’ll earn full-fledged Membership Rewards points with every purchase, and grocery stores earn double points.
  3. Nice Sign-Up Bonus: This card comes with a decent sign-up bonus of 10,000 points, which is pretty good for a no-fee card.
  4. No Annual Fee: You’ll never pay anything for this card. That means all the rewards you earn are completely free, which is hard to beat!
  5. Earn Bonus Points Each Month: If you make at least 20 purchases per month, you’ll get 20% bonus points.

Should You Get the Amex EveryDay® Credit Card?

There’s no reason not to get the Amex EveryDay card. For starters, there’s no annual fee to worry about, and this credit card earns the same great Membership Rewards points that Amex’s other annual-fee cards offer. And even though the sign-up bonus isn’t huge, it’s a great way to jumpstart your points balance or add to what you’ve already got.

Not many cards offer double points on grocery purchases, so this card does have that nice benefit. And if you make at least 20 purchases each month, that’s like earning 2.4 points per dollar spent at the grocery store, which is a great category bonus. There aren’t many cards out there that offer this competitive level of earning with no annual fee.

If you’re just starting out in the world of points and miles, this is a great starter card. You earn points on every purchase and never have to worry about an annual fee, so you don’t have to think about spending a certain amount each year to offset that expense. Plus, Membership Rewards is a great points program because of the diversity of travel partners. And even if you’re not new to the points game, this is an easy card to keep in your wallet.

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • You bet, and American Express makes it easy. After you have one card that earns Membership Reward points, Amex enrolls you in the program. Any subsequent cards you receive will earn points automatically in the same account. There’s nothing you need to do. This is one advantage Amex has over Chase and Citi. You don’t have to worry about combining your points amongst your various cards.

  • Technically, the answer is yes, but it’s not something we recommend. Credit card issuers like loyal, long-time customers, not ones that sign-up and cancel cards quickly. The best customers are the ones that sign up for the card and use it frequently, which is one reason Amex gives you a 20 percent bonus for making at least 20 purchases every month. Plus, canceling quickly could hurt your chances of getting approved for additional cards down the road. Furthermore, there’s no reason to cancel this card. Since there’s no annual fee, keeping this card doesn’t cost you anything out of pocket. So why get rid of it? This is a great card for someone that may not spend a lot on credit. And because of the grocery category bonus, you could keep this card just for those purchases.

  • Membership Rewards are flexible in that you have a variety of partners and options for redeeming your points. That includes how many points you want to cash in at one time. As we’ve discussed, the best bang for your award buck is to use your points toward travel. If you want to use your points to pay for trips through Amex Travel, you can choose the exact number of points you wish to redeem. However, if you choose to transfer points to one of their travel partners, it’s up to each individual program to set the number of miles or points you’ll need for a free flight or hotel room. If you redeem for gift cards or merchandise, there is less flexibility in how many points you’ll need for a redemption, but you can choose what is best for you.

  • There’s not a set answer because it varies by partner. Some transfers are instant, some may take a couple hours and others may take a couple days. Before you transfer your points to a partner, we always recommend you find availability for the award. Once you transfer your points to a partner, you can’t transfer them back.

Have A Question?
Ask our credit card expert!

Compare Cards

These days there are dozens of cards to choose from, so we’ve picked a few different cards to compare. As you’ll see in the chart below, all these cards can be used to earn travel rewards, including two no-fee options. That can be very appealing to customers who don’t want to pay to have credit cards.

Amex EveryDay® Credit Card
For Excellent/Good Credit
Check which AMEX card is the right fit for you
How to Apply for this card

To apply for this offer please contact
American Express

Other American Express cards

American Express® Gold CardAmerican Express® Gold CardAmerican Express® Green CardAmerican Express® Green CardPlatinum Card® from American ExpressPlatinum Card® from American Express
Sign-up bonus
0 points10,000 points0 points60,000 points
Annual Fee
$0 first year $160 after that$0$0 first year, then $95$550
APR On Purchases
13.99% to 23.99% Variable±
Foreign Fee
0%2.7%2.7%0%
Bonus Value
$0$181$0$1,086
Second Year Value
$434$434$434$434

As you can see, the EveryDay card is the only one that doesn’t ever have an annual fee. While the Gold and Green cards waive the fee the first year, you’ll pay $160 and $95, respectively, starting in the second year. And Amex’s premier card, the Platinum, has a hefty $550 fee.

The EveryDay credit card has the advantage amongst all the other cards in that it earns double points on grocery purchases and the opportunity to earn 20 percent bonus points each month. The Green card only earns double points when purchasing travel at amextravel.com, but it otherwise has no category bonuses.

Another difference is that the EveryDay card is the only credit card of the group. The others are charge cards. What’s the difference? With charge cards, you’re not able to carry a balance as the full bill must be paid each month. While interest charges can wreck havoc on the value of your points, you do have the option to carry a balance with the EveryDay card.

Compare Amex EveryDay® Credit Card to Other Cards

These days there are dozens of cards to choose from, so we’ve picked a few different cards to compare. As you’ll see in the chart below, all these cards can be used to earn travel rewards, including two no-fee options. That can be very appealing to customers who don’t want to pay to have credit cards.

10,000points offer
Amex EveryDay® Credit Card

Check if Amex EveryDay® Credit Card is the best option for you

The two Capital One cards earn miles, but they are part of a program where you earn and redeem at a fixed rate. For some travelers, this is simple and easy, but you can’t stretch the value of your points in these programs. However, both these cards also have no annual fee.

The Starwood Preferred Guest (SPG) card is also issued by American Express, has an annual fee after the first year and earns flexible points. But these aren’t Membership Rewards points. It’s part of the Starwood loyalty program called Starwood Preferred Guest. Like Membership Rewards, they can be transferred to a variety of airlines, but they can also be used at Starwood and now Marriott hotel properties worldwide. Some people consider SPG to have the most valuable and flexible points available. While the value of the points can be high, you only earn 1 point per dollar spent unless you’re staying at a Starwood or Marriott property.

These cards are very different and aimed at different types of spenders. The Spark business card is obviously aimed at small business clients, while the VentureOne card is for people who want no-hassle rewards. And while the SPG card is part of a great loyalty program, you can’t combine these points with Amex Membership Rewards points because the programs are separate.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details

Excellent credit score
Issuer
American ExpressAmerican Express
Use miles
Yes
Pay with points
Yes

Flight Features

Available airline
Any
Loyalty Program
Membership Rewards®
Flights Type
Domestic and International
Alliance
Star Alliance, SkyTeam, OneWorld

Travel Partners

Airlines
Yes
Hotels
Yes
Car Rental
Yes
Cruise
Yes

Card Terms and Conditions

While it's easy to focus on the rewards offered by the Amex EveryDay® credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with the Amex card.

Purchases

Minimum Grace Period:
25 days
Ongoing APR:
13.99% to 23.99% Variable±
Intro APR:
0% intro APR for 12 months
Intro APR for balance transfers:
0% intro APR for 12 months
Extended Warranty Protection:
The length of your warranty can be matched for up to 1 additional year when you use your Amex card to purchase items that come with an original U.S. manufacturer's warranty of 5 years or less. Coverage is limited to $10,000 per item and $50,000 per calendar year.
Purchase Protection:
Coverage for theft and accidental damage for up to 90 days and $1,000 per occurrence, $50,000 per calendar year.
Return Protection:
In the event a merchant won’t honor your return, you may be eligible for a refund. Must be claimed within 90 days of purchase and limited to $300 per item and $1,000 per calendar year.
Discounts:
Sign up for a complimentary Shoprunner membership for free 2-day shipping with select online retailers.

Cash Advance Features

Ongoing APR:
26.24% Variable ±
Cash Advance Fee:
Either $5 or 3% of the amount of each cash advance, whichever is greater

Security and Protections

American Express has an excellent reputation for protecting customers in the event your card is lost or stolen. Fraud protection comes with every card, and Amex is known to be a generous issuer if something goes wrong.

Account alerts:
Set up email, text or push alerts to be notified whenever there’s a large transaction on your account, an unauthorized withdrawal occurs or it’s time to pay your bill.
Banking On The Go:
Amex offers an easy-to-use mobile app to keep track of your account no matter where you may be.
Emi Chip Technology:
Amex cards offer chip technology for greater worldwide acceptance.
Credit Score Monitoring:
Amex makes it easy to keep an eye on your credit by offering a free FICO score available online.
Dispute Resolution:
If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

Mobile Banking

In our fast-paced world, it’s great to have access to a free mobile app to not only monitor your account, but access a lot of American Express’ website features straight from your smartphone. Banking on the go has never been more convenient or secure.

Apple Pay, Android Pay and Samsung Pay are all available with your EveryDay card.

Additional Cardholder Benefits

One great thing about the EveryDay card is the wealth of travel benefits offered through American Express.

American Express Travel Benefits

Auto Rental Collision Damage Waiver:
If you pay for your entire rental with your Amex EveryDay card, you’ll get secondary coverage for theft and collision for most rentals in the U.S. and abroad.
Roadside Assistance:
Need a tow or help changing a flat tire? Roadside assistance is available in the U.S., Canada, Puerto Rico and USVI. Third party charges apply.
Travel Accident Insurance:
Your card provides coverage for accidental death and dismemberment when traveling on a common carrier and you charge your entire fare to your Amex card.
Global Assist Hotline:
Get 24/7 access to medical, legal, financial or other select emergency assistance like passport replacement, wiring money, missing luggage and more. Third party charges apply.