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Updated July 4, 2016

Amex EveryDay Card Review: Is it Good?

Read more about The Amex EveryDay® Credit Card from American Express, a CreditDonkey advertiser
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

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.

Amex EveryDay
Apply Now

Overall Score

4.1

Rewards

4.5

Interest Rates

4.0

Fees

4.0

Benefits

4.0
5-point scale (the higher, the better)

Pros and Cons

  • 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

Bottom Line

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 make 20 or more purchases on the card within a billing period. Limitations apply as to what qualifies (something you charge and then return will not earn points, for example).

10 Reasons to Get the Card

  1. You’re a big supermarket shopper: Spending earns points at the rate of 1 point per dollar, but spending at supermarkets offers double points, or 2 points for each dollar spent. (on up to $6,000 per year in purchases at U.S. supermarkets)

  2. You know you’ll use this card a lot: If you use your card 20 or more times on purchases in any given billing period, you’ll get 20% more points. Accumulate 500 points and that 20% bonus will add an additional 100 points to your total.

  3. You know you spend enough to meet the terms of the introductory offer: Make $1,000 in purchases with your card within your first 3 months as a cardholder and you’ll earn 10,000 reward points.

  4. You've been looking for a 0% APR promotion: Both purchases and balance transfers have a promotional APR for your first 12 months as a cardholder as long as you make at least the minimum payment each month. Once this intro offer ends, your variable APR will adjust to 13.49%-23.49%, based on your creditworthiness and other factors.

  5. You don’t want to bother with an annual fee: The EveryDay credit card does not charge an annual fee.

  6. You want flexible rewards: American Express Membership Reward program is simple to understand: You can redeem points online for thousands of items ranging from gift cards to statement credits to a day at an amusement park.

    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.

  7. You’re big on online shopping: You can also get a free enrollment to ShopRunner (a $79 annual value), which provides free two-day shipping and free return shipping on eligible purchases from participating retailers, such as Toys R Us, Eastern Mountain Sports, and Neiman Marcus.

  8. You want assurance when you travel: Frequent travelers will appreciate the complimentary travel perks offered by the EveryDay card, including car rental loss and damage insurance, baggage insurance, and travel accident insurance. You also have access to hotlines that can either help you during unexpected travel emergencies, like a lost passport or sudden illness, or car trouble.

  9. You’re an entertainment buff: EveryDay cardholders enjoy exclusive access to ticket presales and other events ranging from family entertainment to concert tours to Broadway shows.

  10. You hate paying extra for extended warranties: Blow off the pressure from salespeople to extend a manufacturer’s warranty by making your purchase with the EveryDay credit card. It can extend the warranty by one year on eligible purchases as well as purchase protection against damage and theft for 90 days from the purchase date, and return protection of up to $300 per item and $1,000 per year if retailers won’t accept your return.

To learn more about the Amex EveryDay, including the online application, click here to visit American Express' secure website.

Why You Might Look Elsewhere

  1. 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.

  2. You want to take your next new card out of the country: This card come with a foreign exchange fee that applies to every purchase you make while traveling outside the country. However, at 2.7%, that fee is lower than many other cards, which generally charge a 3% fee. (You can find some cards that don’t have a foreign transaction fee at all.)

2x at Supermarkets

© Army Medicine (CC BY 2.0) via Flickr

Earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x points). How you interpret what that offer means may differ from the credit card company. American Express considers a supermarket as a store that offers a variety of food and household products, including produce, meat, and dairy as well as cleaners and pet food.

Chances are if a store sells groceries in addition to clothes and electronics, it is not — in Amex’s view — a supermarket. So-called big-box stores (like Wal-Mart and Target), online superstores (like Amazon), and warehouses (like Costco) are NOT considered supermarkets. Your mom-and-pop corner grocery store or specialty shop that only sells cheese or meat are also NOT considered supermarkets. Retailers that qualify include Whole Foods, Meijer, Shoprite, Winn-Dixie, Stop and Shop, Vons, Pathmark, and online supermarket FreshDirect, among others.

How It Compares

Before you go ahead and apply for this card, consider whether similar cards will be more beneficial to you.

If you make at least 30 purchases a month:

 

Amex EveryDay

Amex EveryDay Preferred

Annual Fee$0 annual fee$95 annual fee
See Rates & FeesSee Rates & Fees
Points DealIntroductory Bonus Reward Points: Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.Introductory Bonus Reward Points: Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
Bonus Reward PointsBonus Reward Points: 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. Terms and limitations apply.Bonus Reward Points: Use your Card 30 or more times on purchases in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
PointsPoint Rewards: 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.Point Rewards: 3x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
Gas Gas Rewards: 2x points at US gas stations. Terms and limitations apply
GroceryGrocery Rewards: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x). Terms and limitations apply.Grocery Rewards: 3x points at US supermarkets, on up to $6,000 per year in purchases (then 1x). Terms and limitations apply

Amex EveryDay Preferred EveryDay Preferred from American Express: The EveryDay card is a scaled-down version of the EveryDay Preferred card, which offers a more generous reward structure for big spenders. If you’ll make at least 30 purchases a month, you’ll get 50% more points with EveryDay Preferred (compared to 20% more points after making 20 purchases a month with the EveryDay card). It also rewards commuters, as you’ll get double points on trips to the gas station (versus just the 1 point per dollar that the regular EveryDay card gets). It’s worth deciding whether you will be able to take full advantage of these more beneficial rewards month after month, as the EveryDay Preferred has a $95 annual fee while the lower tier EveryDay does not. Here's a comparison table to help: EveryDay vs EveryDay Preferred

If you spend mostly on groceries and gas:

 

Amex EveryDay

Blue Cash Everyday

Annual Fee$0 annual fee$0 annual fee
See Rates & FeesSee Rates & Fees
Cash Back Deal Introductory Bonus Cash Back: Limited Time Offer: Apply by 5/3/17 - Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
Points DealIntroductory Bonus Reward Points: Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months. 
Cash Back Cash Back Rewards: Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
Bonus Reward PointsBonus Reward Points: 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. Terms and limitations apply. 
PointsPoint Rewards: 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. 
Gas Gas Rewards: 2% at U.S. gas stations. Terms and limitations apply
GroceryGrocery Rewards: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x). Terms and limitations apply.Grocery Rewards: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms and limitations apply
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 

Blue Cash Everyday Blue Cash Everyday: If you looked at the terms of the EveryDay and the EveryDay Preferred and know that you’ll rarely, if ever, use either frequently enough (20 times a month/30 times a month) to get close to the maximum number of rewards, you may want to look more closely at the Blue Cash Everyday. It’s designed to be used as a top-of-wallet card. It’s a cash back credit card: 3% back for supermarket purchase (up to $6,000 in purchases/year, then 1%), 2% back at U.S. gas stations and select U.S. department stores, and 1% on all other eligible purchases. Amex Everyday vs Blue Cash Everyday

If you want a Visa cash back credit card instead:

 

Amex EveryDay

Chase Freedom

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 12 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR for 12 months0% introductory APR for 15 months
Purchase APR13.49% to 23.49% Variable based on your creditworthiness and other factors15.49% to 24.24% Variable based on your creditworthiness and other factors
Balance Transfers APR13.49% to 23.49% Variable based on your creditworthiness and other factors15.49% to 24.24% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
See Rates & Fees 
 

Benefits and Features

Cash Back Deal Introductory Bonus Cash Back: Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
Points DealIntroductory Bonus Reward Points: Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months. 
Cash Back Cash Back Rewards: Unlimited 1% cash back on all other purchases.
Bonus Cash Back Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2017:
Q1 (January 1 – March 31, 2017): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2017): Grocery stores (not including Walmart® and Target® purchases)
Q3 (July 1 – September 30, 2017): TBA
Q4 (October 1 – December 31, 2017): TBA
Bonus Reward PointsBonus Reward Points: 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. Terms and limitations apply. 
PointsPoint Rewards: 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. 
GroceryGrocery Rewards: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x). Terms and limitations apply. 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 

Chase Freedom: Pricing information including interest rates, benefits and fees were obtained on January 13, 2017 from published websites and are believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom: The popular cash back card lets you earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases.

If you're willing to pay attention and keep track of those rotating categories, you could stand to make more in cash back. It depends on how you spend your money and when you would use the card.

Related: AMEX EveryDay vs Chase Slate for balance transfers

BOTTOM LINE

For a card without an annual fee, the AmEx EveryDay credit card offers a nice rewards structure and some great perks as well. The intro offer is also enticing if you take full advantage of the bonus reward points. And you get 12 months intro APR on purchases and balance transfers. Take a look at how you used your credit cards over the past year, and consider whether you’d benefit more from the EveryDay or EveryDay Preferred version of the card. Terms and limitations apply.

Next Step: View the issuer's official application, terms, and details

Leah Norris is a research analyst at CreditDonkey, a credit card comparison and financial education website. Write to Leah Norris at leah@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on December 19, 2014. This content may have been updated on July 4, 2016. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom and Chase Slate have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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The Amex EveryDay Credit Card from American Express
Apply for The Amex EveryDay Credit Card from American Express
At American Express' Secure Site
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • 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. 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® points 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 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.49% - 23.49% Variable
$0

Compare Amex EveryDay to:

Compare Amex EveryDay Card vs Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Compare Amex EveryDay Card vs Amex EveryDay Preferred

The Amex EveryDay® Preferred Credit Card from American Express

Compare Amex EveryDay Card vs Gold Delta SkyMiles

Gold Delta SkyMiles® Credit Card from American Express


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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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