Amex EveryDay Review: AmEx Points for No Annual Fee

You can earn 2X rewards at U.S. supermarkets, and you can score a 20% bonus if you use the card enough (maybe even ... every day).

Melissa LambarenaSeptember 27, 2018
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Some card info may be outdated

This page includes information about the Amex EveryDay® Credit Card and the Discover it® Balance Transfer (No longer in market) currently unavailable on NerdWallet.

Our Take

3.4

NerdWallet rating 

The bottom line: If you're committed to the American Express points ecosystem, it might fit neatly into your wallet, but on its own, this card is pretty lackluster.

American Express Amex EveryDay Credit Card

Amex EveryDay® Credit Card

Annual Fee

$0

Regular APR

12.99% - 23.99% Variable APR

Intro APR

0% Intro on Purchases for 15 months

Recommended Credit Score

Quick FactsView rates and fees

Pros & Cons

Pros

  • Decent rewards rate

  • No annual fee

Cons

  • Foreign transaction fee

  • Longer 0% intro APRs available elsewhere

  • Higher rewards available elsewhere

Alternate Pick: Richer rewards

Discover it® Balance Transfer (No longer in market)

Up to 5% cash back + an intro 0% APR

This card gives you 5% cash back in categories that you activate, on up to $1,500 in spending per quarter, and 1% on all other spending. It also gives you a nice long 0% period for transfers: 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 22.99% Variable APR.

NerdWallet rating 
Read our review

Compare to Other Cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

11.99% - 22.99% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

14.99% - 22.99% Variable APR

Intro APR

0% intro APR on Purchases for 14 months and 10.99% intro APR on Balance Transfers for 14 months

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 billing cycles

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

"Everyday" can be a synonym for "ordinary" or "run-of-the-mill," and that description applies to the Amex EveryDay® Credit Card. Its a pretty basic rewards card whose most noteworthy features are the rewards boost it gives you for using it frequently and the fact that it is the only $0-annual-fee consumer American Express card to give out travel-friendly Membership Rewards points.

For a time, the Amex EveryDay® Credit Card was also offering superior balance-transfer benefits, including a $0 transfer fee, but those went away in 2020 as the credit card industry as a whole pivoted away from generous balance-transfer terms.

Nerd tip: This card's cousin is The Amex EveryDay® Preferred Credit Card from American Express. It has an annual fee of $95 but has a more robust welcome offer and higher rewards rates. For more information about that card, see our review.

Amex EveryDay® Credit Card: Basics and benefits

Card type: Rewards.

Annual fee: $0.

Rewards: 

  • 2 Membership Rewards points for every dollar spent at U.S. supermarkets (on up to $6,000 a year in spending, then 1 point per dollar.)

  • 2 points per dollar on eligible travel purchases booked through amextravel.com.

  • 1 point per dollar on all other purchases.

  • A 20% points bonus for each billing period in which you use the card at least 20 times.

Membership Rewards points are worth about 0.5 cents to 1 cent each depending on how you redeem them. Travel and gift card redemptions are generally the most valuable. Points are also transferable and can be worth even more if redeemed strategically after being transferred to other loyalty programs.

Airlines:

  • Aer Lingus.

  • AeroMexico.

  • Air Canada.

  • Air France/ KLM.

  • Alitalia.

  • ANA.

  • Avianca.

  • British Airways.

  • Cathay Pacific.

  • Delta Air Lines.

  • El Al Israel Airlines.

  • Emirates.

  • Etihad Airways.

  • Hawaiian Airlines.

  • Iberia Plus.

  • JetBlue Airways.

  • Qantas.

  • Singapore Airlines.

  • Virgin Atlantic Airways.

Hotels:

  • Choice Hotels.

  • Hilton Hotels & Resorts.

  • Marriott Hotels & Resorts.

For transfer ratios, see AmEx's website.

Welcome offer: Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms Apply..

Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.

Terms apply.

Amex EveryDay® Credit Card: Benefits

The rewards offered by the Amex EveryDay® Credit Card are relatively modest, but they're certainly better than no bonuses at all, which is what many no-fee cards give you. NerdWallet values Membership Rewards points at an average of 1 cent apiece. So a 10,000-point offer equates to $100.

Then there's the 20% points bonus for using the card 20 or more times in a billing period. Assuming you get a value of 1 cent per point, that boosts your effective rewards rate to 1.2% on purchases, and 2.4% in the bonus categories. However, plenty of other cards offer better rates.

Membership Rewards points are flexible. They can be redeemed for travel, cash, gift cards and more. They can also be transferred to the loyalty programs of partner airlines and hotel chains. Be aware that some options give you less than a penny's worth of value per point. Minimum redemption is 5,000 points.

Amex EveryDay® Credit Card: Drawbacks

The Amex EveryDay® Credit Card offers an interesting assortment of benefits, but it doesn’t offer the best value.

You can earn higher rewards for $0 a year

The Citi® Double Cash Card – 18 month BT offer earns 2% cash back — 1% on every dollar you spend, then an additional 1% for every dollar you pay off. That effectively doubles the base rate of the Amex EveryDay® Credit Card. This card also has an annual fee of $0, although it has no sign-up offer.

IT CHARGES FOREIGN TRANSACTION FEES

Although the Amex EveryDay® Credit Card attempts to appeal to travelers with bonus rewards for certain travel, it's not a good card to take with you abroad, since it charges a foreign transaction fee of 2.7%. The Capital One Venture Rewards Credit Card charges no such fees. Further, its rewards are more flexible for travelers. You earn 2 miles for every dollar spent, and miles can be redeemed for a credit on your statement against any travel purchase — no matter how you booked it. This card comes with a hefty sign-up offer: Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.. There is an annual fee, however: $95.

NerdWallet’s roundup of best credit card deals can also help you evaluate other potential card options.

Amex EveryDay® Credit Card: Is it right for you?

The Amex EveryDay® Credit Card is OK as a rewards card, and it doesn’t cost you anything to carry. But there are much better rewards cards available for everyday and travel spending.

To view rates and fees of the Amex EveryDay® Credit Card, please visit this page.

Information about the Amex EveryDay® Credit Card and The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by NerdWallet and has not been provided or reviewed by the issuer of these cards. The Amex EveryDay® Preferred Credit Card from American Express and the Amex EveryDay® Credit Card are no longer available through NerdWallet.

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