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 LambarenaSep 25, 2021

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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: Easy 5% cash back

Citi Custom Cash℠ Card
NerdWallet rating 

Citi Custom Cash℠ Card

No annual fee

Earn 5% cash back on up to $500 spent in your highest spend category per billing cycle from a list of 10 eligible options (including grocery stores and select travel). All other purchases get 1% back. The card also has a sign-up offer: Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

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

13.99% - 23.99% 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 for 15 billing cycles on purchases

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 . It's 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 -annual-fee consumer American Express card to give out travel-friendly points.

All information about the has been collected independently by NerdWallet. The is no longer available through NerdWallet.

Card type: .

Annual fee: .

Rewards: 

The  varies, depending on how you redeem them. 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. Some options may require a minimum amount to redeem.

Welcome offer:  Terms Apply.

Foreign transaction fee: 2.7% of each transaction after conversion to U.S. dollars. Terms apply.

Other benefits:

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The  offers this bonus:  The rewards are relatively modest, but they're certainly better than no incentives at all. NerdWallet values points at a baseline average of 1 cent apiece. So a 10,000-point offer may equate to $100. Or, if you transfer to travel partners, you could earn outsize value for your points.

The offers new cardholders an interest-free window on purchases: . (see ). That’s enough time to finance a big purchase or several small ones.

The card's 20% points bonus is better than nothing, but it’s not automatic. Only after using the card 20 or more times in a billing period will you qualify for the higher rate. Assuming you get a value of 1 cent per point, that boosts the effective rewards rate to 1.2% on purchases, and 2.4% in the bonus categories. However, plenty of other cards offer better rates.

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The earns an unlimited 2% cash back on all purchases. That effectively doubles the base rate of the . This card also has a annual fee and a better sign-up offer: .

If you spend a lot of money on groceries, other cards can reward you handsomely. The -annual-fee , for instance, earns 3% back at U.S. supermarkets on up to $6,000 spent annually, 2% back at U.S. gas stations and select U.S. department stores, and 1% on everything else. Terms apply.

For rewards on grocery store purchases without a cap, the  is a solid option. It offers 3% back on dining, eligible streaming services, grocery store purchases and entertainment. All other purchases earn 1% back. It has a annual fee.

While the packs some travel-friendly features and incentives, it doesn’t offer the most value. The can inch you closer to a vacation with standout rewards on everyday purchases and travel. It earns 5 points per $1 spent on all travel purchased through Chase Ultimate Rewards®, 3 points per $1 spent on online grocery purchases, 3 points per $1 spent on dining, 3 points per $1 spent on streaming services, 2 points per $1 spent on travel not purchased through Chase Ultimate Rewards® and 1 point per $1 on all other purchases.

It does have a annual fee, but the perks can potentially make up for it. Cardholders get a $50 annual credit on hotel stays purchased through Chase Ultimate Rewards®. Plus, it has a healthy sign-up offer:

Although the 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  charges no such fees. Further, its rewards are more flexible for travelers. Earn 2 miles for every dollar spent, and miles can be redeemed for a statement credit against any travel purchase — no matter how you booked it. This card comes with a hefty sign-up offer: . There is an annual fee, however: .

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

» MORE: 

All information about the has been collected independently by NerdWallet. The is no longer available through NerdWallet. All information about has been collected independently by NerdWallet. is no longer available through NerdWallet.

To view rates and fees of the , see .

Frequently asked questions