The Amex EveryDay Credit Card from American Express is a wise choice if you have family & spend a lot on Gas Stations and groceries. It is most compelling; no annual fee cards offers 2.00x points. There are some other Amex card services that offer more benefits & Amex credit card points on spending.
The American Express EveryDay Credit Card gives more points – this is pretty matchless card for those who don’t spend much on credit cards but still wants to earn valuable rewards. Let’s have a deeper look at the Everyday Credit Card’s features and benefits
Amex EveryDay Credit Card Features & Benefits
Card Sign-Up Bonus
After spending $1,000 within three months Everyday credit card rewards you sign-up bonus of 10,000 Amex Membership Rewards points. Though this is not a huge sign-up bonus, for a no annual fee card, it’s not bad.
You can exchange Membership Rewards points for a number of rewards, such as:
- Gift cards – Also check Guide on Amex Gift Card Points
- Statement credit
- Merchandise in categories like technology, home, and office, fashion and beauty etc
- Events and experiences
- Payments at checkout with points
Amex Card Annual Fee
The Amex EveryDay Card charges no annual fee. At no extra cost, you can also add authorized users to the card.
Annual Fee= $0
Purchase APR =14.74%-25.74% Variable
Card Return on Spend
It is the very reason why you want the card. The Amex EveryDay Card gives:
- 2x points at US supermarkets, on the first $6,000 spent annually
- A 20% points bonus on making 20 or more purchases on per billing cycle
This card has no annual fee but still gives more points per dollar spent on non-bonuses purchases as compared to AMEX Platinum Card and the Premier Rewards for Amex Gold Card.
For the first 15 months after account opening 0% intro APR on purchases and balance transfers. You’ll have a purchase and balance transfer APR of 14.74% to 25.74% after this intro APR expires.
Points: 2.00x Points at US Supermarkets
You’ll earn 2.00x points at US supermarkets (on up to $6,000 per year in purchases, then 1x points on eligible purchases.
Amex Cards Exclusive Offers …
Access to Amex Offers
One of the amazing rewards of having an Amex card is having access to Amex Offers, which saves your hundred dollars per year. These offers give you discounts or chance to earn bonus points with retailers. The ideal situation is to have no annual fee
More Amex Rewards Points the More You Use Your Card
You will get 20% more points on the purchase if you make 20 or more purchases with your card in a billing period.
Transferring Amex Points
Membership Rewards points can be transferred to eligible frequent traveler programs, i.e. British Airways Avios, Emirates Skywards, Choice Privileges Rewards, Hilton Honors and Starwood Preferred Guest. Try this guide to earn Avios. If you are more interested in Avois card.
Still confused about choosing the right card? Check Avios Credit Card Reviews
Use Membership Rewards Points for Some Charges
You can easily redeem Amex Points as For some types of purchases — such as dining and entertainment — card charges can be paid with Membership Rewards points.
Travel Insurance American Express
For vacations, you can have access to the American Express Global Assist Hotline and Roadside Assistance Hotline.
Through ShopRunner get free two-day shipping from different stores.
You will have complete warranties on eligible items you buy with your card. By Purchase Protection your eligible items are sheltered against theft and accidental damage.
Points to Ponder
Amex Balance Transfer in Limited Time
To take benefit of the intro APR for balance transfers, make transfers within the first 60 days after the opening of your account.
Not Widely Accepted Overseas
As Visa or Mastercard, the Everyday Credit card is not widely accepted overseas.
American Express may assess a penalty APR of up to 29.99% that will differ from the market on the basis of Prime Rate.
This APR can apply to new transactions on your account if:
- you make one or more than one late payments
your payment is arrived by your bank
Penalty APR applies for at least 6 months. Your account is reviewed every 6 months once the Penalty APR is applied. It will keep on applying until after you have ended timely payments, with no returned payments throughout the 6 months being reviewed.
Amex EveryDay Foreign Transaction Fee / Charges
If you use this card on a foreign website or in abroad you will pay a 2.70% transaction fee and potentially if you use it on a foreign website.
You have to pay a fee for making a balance transfer or advance cash.
Late Pay Penalty
You have to pay $38.00 fee per infraction if you delay payments. You can do online Amex credit card payments to avoid this fee.
|Annual Membership Fee
Criteria Applying for American Express EveryDay Credit Card
- You must be 18 years old
- You must be a Us citizen
- Your credit score must be 680.00 or higher
- No hard pulls on your credit report
- Low balance relative to your credit limits
Amex EverDay Credit Card in a Glance
- No annual fee.
- You can Earn 10,000 Membership Rewards points after using your new Card within 3 months to make $1,000 in purchases.
- Intro APR is 0% that is too low for 15 months on balance transfers and on purchases, then a variable price, currently 14.74% to 25.74%
- Within 60 days from account opening, Balance transfers should be requested with $0 balance transfer fee.
- You can get 2x points at US supermarkets on up to $6,000 in purchases per year and1x points on extra purchases.
- You can utilize your Card more than 20 times on purchases in a billing time and can earn 20% more points on those purchases fewer returns and credits.
Though the Amex EveryDay Card is the best credit card and The Platinum Card from American Express and the Premier Rewards Gold Card from American Express are charge cards, Amex limits its consumers to have five credit cards to approving the major limitations.
The approval of Amex cards is easy for those having a huge credit. For those who try to make credit or without a giant credit history, Amex offers rewarding cards that would be beneficial to develop their credit history.
Best Substitutes of Amex EveryDay Card
You can also use others cards as a substitute to Amex’s.
Amex EveryDay Preferred Credit Card
This card which is the premium version of EveryDay Card, offers you $95 annual fee, 3x points on the first $6,000 spent annually at US supermarket, 50% bonus points on making 30 or more purchases on per billing cycle, 2x points at US gas stations.
Chase freedom Unlimited Credit Card
This card is another best substitute for Amex EveryDay card. It has a 0% annual fee and offers 1.5x points per dollar spent, offers Unlimited Rewards points that can be converted into Ultimate Rewards points.
The Bottom Line
Those who need a no annual fee card that offers kind rewards, the Amex EveryDay Card is the most rewarding in the market. This card offer Membership Rewards that can be exchanged for airline or hotel partners. It’s a wise choice if you regularly spend.
This is among one of the two cards which charge no annual fee and accumulating these sorts of Membership Rewards points. One of the shining points of Amex card is that it earns above 1.2 x Membership Rewards points on per dollar spent that is much better than other Amex’s card which charges high annual fees.