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Important
The Amex EveryDay® Credit Card is no longer accepting applications. For more options, check our list of the latest American Express Card offers.The Amex EveryDay® Credit Card is a great option if you're looking for the best credit card for large purchases, but it can also help you earn a lot of Membership Rewards points.
But although this card has its benefits for those new to credit card rewards, it doesn’t offer enough to compete with many other entry-level rewards cards. Keep reading this American Express EveryDay Card review to find out if this card is for you.
All information about Amex EveryDay® Credit Card has been collected independently by FinanceBuzz. The Amex EveryDay® Credit Card is no longer accepting applications.
Who should get the Amex EveryDay Card?
The Amex EveryDay Card is for beginners who want to explore the world of travel rewards. Other credit cards may offer better welcome bonuses and earning power, but a solid no annual fee rewards credit card is a good introduction to earning and spending points and miles. Plus, the Amex Membership Rewards program is one of the best travel rewards programs around.
Card basics
| Card type | Travel |
| Card issuer | American Express |
| Recommended credit score | Excellent, Good |
| Foreign transaction fee | 2.7% |
Amex EveryDay Card benefits and perks
- Extra points earning: Cardmembers who use their card 20 times or more on purchases during a billing period will earn 20% more points on those purchases. This feature could make this one of the best credit cards for groceries.
- Rental car insurance: Reserve and pay for a rental car with your Amex Everyday card, decline the rental company’s waiver, and you’re covered against damage and theft. There are some restrictions on vehicles and locations, but most car rentals around the world are covered.
- Emergency assistance: Having the Amex EveryDay Card gives you access to Global Assist, a hotline for 24/7 emergency services when you need travel, legal, and medical assistance when traveling more than 100 miles from home.
Drawbacks to the Amex EveryDay Card
- Foreign transaction fees: Although American Express is widely accepted around the world, the Amex EveryDay card isn’t the best choice to use when traveling because of its 2.7% foreign transaction fees on international purchases.
- Bonus categories: This card's top-earning categories are limited to just 2X points at U.S. supermarkets (up to 6,000 per year, after that 1X).
Earning and redeeming Membership Rewards points
Potential earnings in years one and two
Here's a look at how your points can add up with the Amex EveryDay Card. To calculate these values, we used a point valuation of 1 cent.
Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.
Year one earnings: $652
Year two earnings: $502
These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus, and the annual fee.
Best ways to earn
Despite the name, the Amex EveryDay Card is not ideal for everyday use because of its low earning potential. However, maximizing spending on groceries and via Amex Travel could lead to enough points to make the card worth carrying in your wallet. Also, if you use your card at least 20 times during a billing period, you’ll earn 20% more points on all of those purchases.
| Categories | Rewards rate |
| U.S. supermarkets (up to 6,000 per year, after that 1X) | 2X |
| Other eligible purchases | 1X |
Maximizing your redemptions
As one of the premier rewards programs in the world, the American Express Membership Rewards program gives card members several options to redeem points. Options include:
- Book rewards travel through Amex
- Transfer points to travel partners
- Gift cards
- Shop at Amazon.com
- Online shopping
- Statement credits
Typically, you’ll get the most value from your Membership Rewards points when you use them for travel. You can often get the biggest bang for your buck when you redeem them with Amex transfer partners.
With this card, you also have the option to enroll in the Pay with Points program, which allows you to use Membership Rewards points to pay for eligible purchases. The minimum redemption allowed is 5,000 points.
American Express Membership Rewards transfer partners
The Amex EveryDay Card allows members the option to transfer points over to any of its 17 airline partners and three hotel partners. Most transfers can be made at a 1:1 rate.
| Transfer Partner | Minimum Transfer | Transfer ratio |
| Aer Lingus AerClub | 1,000 | 1:1 |
| AeroMexico Club Premier | 1,000 | 1:1.6 |
| Air Canada Aeroplan | 1,000 | 1:1 |
| Air France/KLM Flying Blue | 1,000 | 1:1 |
| All Nippon Airways (ANA) Mileage Club | 1,000 | 1:1 |
| Avianca LifeMiles | 1,000 | 1:1 |
| British Airways Avios | 1,000 | 1:1 |
| Cathay Pacific Asia Miles | 1,000 | 1:1 |
| Delta Air Lines SkyMiles | 1,000 | 1:1 |
| Emirates Skywards Miles | 1,000 | 1:1 |
| Etihad Guest Miles | 1,000 | 1:1 |
| Hawaiian Airlines HawaiianMiles | 1,000 | 1:1 |
| Iberia Plus Avios | 1,000 | 1:1 |
| JetBlue TrueBlue | 250 | 5:4 |
| Qantas Frequent Flyer | 500 | 1:1 |
| Singapore Airlines KrisFlyer | 1,000 | 1:1 |
| Virgin Atlantic Flying Club | 1,000 | 1:1 |
| Choice Privileges | 1,000 | 1:1 |
| Hilton Honors | 1,000 | 1:2 |
| Marriott Bonvoy | 1,000 | 1:1 |
American Express EveryDay FAQs
Is the Amex Everyday Card worth it?
The Amex EveryDay Card is a great starter card for travel rewards beginners or those looking to transfer an existing credit card balance without costly fees. More experienced credit card aficionados would likely be better off with more elite rewards credit cards, even if they carry an annual fee.
The Amex EveryDay Card is one of the best credit cards for Venmo. Using your Amex EveryDay Card with your Venmo account can help you easily meet the minimum spend for the welcome offer.
Is the Amex Everyday Card hard to get?
Applicants need a good to excellent credit score to qualify for the Amex EveryDay Card. FICO defines a good credit score as 670 to 739.
Can you carry a balance on the Amex Everyday Card?
Yes, the Amex EveryDay Card allows you to carry over a balance month to month. Carrying a balance over is subject to interest charges, though. Eligibility and APR are based on creditworthiness, along with other factors.
How much is 100,000 Amex points worth?
The value of 100,000 Membership Rewards points depends on which redemption option you choose. When shopping online at stores like Amazon or Walmart, 100,000 points are worth $700, $1,000 towards flights or upgrades when booked through American Express, and only $600 for statement credits.
Is Amex Everyday better than Blue Cash?
The Amex EveryDay Card and Blue Cash Everyday® Card from American Express offer similar benefits. There are a couple of fundamental differences between the cards, though. Blue Cash Everyday is a cashback credit card. New Blue Cash Everyday cardholders can earn a $200 statement credit after spending $2,000 in the first 6 months. Blue Cash Everyday also has more rewards earning potential through expanded bonus categories.
Other cards to consider
If you prefer to have the ability to transfer a balance, the Citi Simplicity® Card offers a 0% introductory APR period of 21 months for balance transfers (then 18.49% - 29.24% (Variable)). Although the Citi Simplicity doesn’t earn rewards, it does give you a long period to pay off your debt.