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Amex EveryDay Card Review: Rewards Points and a 0% Intro APR

Review Updated
Lyle Daly
Lyle Daly
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Offer Status

The information for the Amex EveryDay® Credit Card from American Express has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

For an introduction to American Express's popular rewards program, the Amex EveryDay® Credit Card from American Express lets you earn points without paying an annual fee (see rates and fees). You can even earn extra points if you use it enough each billing cycle. Terms apply. This card won't be right for everyone, though, as it has some notable limitations. Find out about those and much more in our Amex EveryDay® Credit Card from American Express review.

Ratings Methodology

Amex EveryDay® Credit Card from American Express

Great for: U.S. supermarket purchases

Rates & Fees External Link Icon
Amex EveryDay® Credit Card from American Express
Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 3.00 out of 5 stars.
3.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Rates & Fees External Link Icon
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: N/A

APR

18.24% to 29.24%, variable

Rewards Circle with letter I in it. 2x points at US supermarkets ($6,000 spending cap per year), 1x points on other purchases. Use your Card 20 or more times in a billing period to earn 20% more points

1x - 2x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months

10,000 Membership Rewards® points

  • With no standout features, this card sits in the middle of the pack and can't quite compete with the top offers.

    • 0% intro APR offer
    • Welcome offer
    • No annual fee
    • U.S. supermarket rewards
    • Bonus points for using the card often
    • Limited bonus categories
    • Foreign transaction fee
    • Earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months.
    • Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 18.24% to 29.24%.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
    • 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.
    • No annual fee.
    • Terms Apply.
The information for the The Amex EveryDay® Card from American Express has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 27.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.24% - 28.24% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full Amex EveryDay Card review

This credit card is a good fit for: Consumers looking for a no annual fee card that earns valuable American Express points. Those who make lots of purchases will also score bonus points with this card.

Top perks

Here are more details on the benefits of the Amex EveryDay® Credit Card from American Express.

0%, 15 months intro APR

This card has a 0%, 15 months intro APR on purchases and balance transfers. After the intro period, the go-to 18.24% to 29.24%, variable rate applies. If you need to pay off any big purchases over time, or refinance credit card debt, a 0% intro APR comes in handy. While 15 months isn't the longest 0% intro APR period, it's up there with what other rewards cards offer. (See rates and fees, terms apply.)

Up to 2 points per $1

The Amex EveryDay® Credit Card from American Express earns 2 points per $1 at U.S. supermarkets, up to a maximum of $6,000 per calendar year. On all other spending, it earns 1 point per $1. Terms apply.

10,000 Membership Rewards® points

As a new Card Member, you can earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months. It's not anywhere near the biggest welcome offers, but it's a decent offer for a no annual fee card. Terms apply.

Flexible rewards points

One thing we love about American Express cards that earn Membership Rewards points are the redemptions that the rewards program offers. American Express has quite a few travel partners, including many popular airlines and hotels, where you can transfer your points. With a little know-how, you could get $0.02 per point or more by transferring your points.

You can also use points as cash through American Express Travel. The best option is to do this with airfare, where you'll get $0.01 per point. Terms apply.

READ MORE: A Complete Guide to American Express Membership Rewards Points

20% extra points

If you make at least 20 purchases in a billing period, you'll receive a 20% points bonus on those transactions. For bonus category purchases, that would bump your rewards rate up to 2.4 points per $1. Purchases at the standard rewards rate would earn you 1.2 points per $1. Terms apply.

No annual fee

You don't need to take on any new out-of-pocket costs with this card. That's especially helpful if you're getting it to save money with its 0% intro APR. (See rates and fees.)

Car rental loss and damage insurance

You'll have this complimentary insurance on eligible rentals that you pay for using Amex EveryDay® Credit Card from American Express. Note that you do need to decline the collision damage waiver for your card's insurance to apply. Terms apply*.

LEARN MORE: A Complete Guide to American Express Car Rental Insurance

Purchase protection

Eligible purchases made with this card are covered against damage or theft for the first 90 days. The coverage maximum is up to $1,000 per eligible purchase and up to $50,000 per calendar year. Terms apply.

LEARN MORE: A Complete Guide to American Express Purchase Protection

What could be improved

There are a few areas where American Express could make this card better.

Limited bonus categories

The rewards rate on this card is disappointing. Even if you only look at no annual fee cards, there are plenty of options available that have more bonus categories and earn more. You may want to compare credit cards to see if another rewards card would better fit your spending habits.

Incentivizes spending money

The 20% points bonus you'll get for making at least 20 purchases per month is nice, but it can also motivate you to buy things you don't really need. Terms apply. Make sure you avoid the temptation to overspend if you get this card.

Foreign transaction fee

It could get costly to use the card outside the country, as it charges a 2.7% foreign transaction fee. For international travel, you're better off checking out travel credit cards that won't charge you this fee. (See rates and fees.)

Find the best credit card for your needs
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Suggested credit score

To apply for Amex EveryDay® Credit Card from American Express, you should have good credit, meaning a FICO® Score of 670 or higher. American Express will look at several factors in addition to your credit score, but your credit is a key part of whether your application is approved or denied.

The Amex EveryDay Card is right for you if:

You want an American Express rewards card that doesn't charge an annual fee. It's also worth considering if you're interested in paying off purchases over time or consolidating your credit card debt with this card's 0% intro APR. (See rates and fees).

While the Amex EveryDay® Credit Card from American Express has some solid benefits, it doesn't stand out in any particular area. There are top credit cards with higher rewards rates and longer 0% intro APR offers. It's not bad for getting started with the American Express Membership Rewards program, but for most consumers, there are better options out there.

READ MORE: Expert Credit Card Reviews

Our Credit Card Methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The credit limit for the Amex EveryDay® Credit Card from American Express typically ranges from a minimum of $1,000 to $20,000 or more. When you're approved for the card, American Express sets a credit limit based on your income, credit profile, and other factors.

  • The Amex EveryDay® Credit Card from American Express generally isn't too hard to get if you have good credit. Specifically, aim for a FICO® Score of at least 670 before you apply.

  • Yes, you can use the Amex EveryDay® Credit Card from American Express internationally. However, it charges a foreign transaction fee of 2.7% of the transaction amount in U.S. dollars.