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 card offering 2.00x points.
EveryDay Card gives more points – this is a pretty matchless card for those who don’t spend much on credit cards but still wants to earn valuable rewards.
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Card Sign-Up Bonus
After spending $1,000 within three months Everyday credit card rewards you a 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 but, it is still not bad.
You can exchange Membership Rewards points for a number of rewards, such as:
- Gift cards
- Statement credit
- Travel Rewards
- Merchandise in categories like technology, home, and office, fashion and beauty etc
- Events and experiences
- Donations
- Payments at checkout with points
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 spending on non-bonuses purchases as compared to AMEX Platinum Card and the Premier Rewards for Amex Gold Card.
Intro APR
For the first 15 months after account opening 0%, intro APR would be 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.
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.
Access to Amex Offers
One of the amazing rewards of having a card is having access to Amex Offers, which saves your hundred dollars per year. These offers give you discounts or a 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 traveller programs, i.e. British Airways Avios, Emirates Skywards, Choice Privileges Rewards, Hilton Honors and Starwood Preferred Guest.
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.
ShopRunner Benefits
Through ShopRunner get free two-day shipping from different stores.
Purchase Benefits
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.
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.
Penalty APR
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 payment
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.
Foreign Transaction Charges
If you use this card on a foreign website or abroad you will pay a 2.70% transaction fee and potentially
Transaction Charges/Fee
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: $0
balance Transfer: $0
Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 2.7% of each transaction after conversion to US dollars.
Late Payment: Up to $38
Returned Payment: Up to $38
Overlimit: None
Everyday Credit Card Application Criteria
- 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
Everyday 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 more than 20 times on purchases in 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
You can also use others cards as a substitute to Amex’s.
Amex Every Day 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.
Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger
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