Amex EveryDay® Credit Card

Quick Snapshot

• Annual Fee: $0
• APR: 17.49%-28.49% variable
• Rewards: 2X at US supermarkets (up to $6,000/yr, then 1X), 1X on everything else. 20% bonus when you make 20+ transactions per billing period.
• Bonus: 10,000 Membership Rewards points after spending $2,000 in the first 6 months
• Best For: Frequent transactors who want no-fee access to Membership Rewards transfer partners
• Credit Needed: Good to Excellent (670+)

Overview

The Amex EveryDay Credit Card is the simplest way to earn Membership Rewards points without paying an annual fee. It earns 2X points at US supermarkets on up to $6,000 per year in purchases (then 1X), and 1X on everything else. The standout feature is a 20% points bonus when you make 20 or more transactions in a billing period, which effectively boosts the 2X grocery rate to 2.4X and the 1X base rate to 1.2X.

The card includes a 0% intro APR for 15 months on purchases and balance transfers, making it attractive for anyone who needs interest-free financing while still earning transferable points. The 10,000-point welcome bonus after $2,000 in spending is modest but appropriate for a no-fee card.

The EveryDay Card's value proposition centers on Membership Rewards access. While the earning rates are lower than cards like the Gold or Green, the ability to pool points with other Amex cards and transfer them to 20+ airline and hotel partners at no cost makes it a powerful complement. It is also the lowest-APR card in the Amex personal lineup, starting at 17.49%, which matters for cardholders who occasionally carry a balance.

APR Breakdown

• Purchase APR: 0% intro APR for 15 months on purchases, then 17.49%-28.49% variable
• Balance Transfer APR: 0% intro APR for 15 months on balance transfers, then 17.49%-28.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: 0% intro APR for 15 months on purchases and balance transfers made within the first 60 days, then a variable rate of 17.49% to 28.49% based on your creditworthiness and the Prime Rate.

Benefits Overview

Membership Rewards Points

• 2X Membership Rewards points at US supermarkets on up to $6,000 per year, then 1X
• 1X points on all other eligible purchases
• 20% bonus on points earned when you make 20 or more transactions per billing period
• Points transfer 1:1 to 20+ airline and hotel partners

Introductory APR and No Fee

• 0% intro APR for 15 months on purchases
• 0% intro APR for 15 months on balance transfers made within 60 days
• $0 annual fee with no conditions or limits
• Lower ongoing APR range (17.49%-28.49%) compared to other Amex cards

Everyday Protections

• Purchase protection on eligible purchases for up to 90 days
• Extended warranty adding up to one year of additional coverage
• Fraud protection with $0 liability for unauthorized charges
• Free additional cards for family members

Rewards & Points

• 2X Membership Rewards points at US supermarkets (up to $6,000/yr, then 1X)
• 1X Membership Rewards points on all other eligible purchases
• +20% bonus on all points earned when you make 20+ transactions per billing period

Membership Rewards points transfer at 1:1 to 20+ airline and hotel partners including Delta SkyMiles, British Airways Avios, JetBlue TrueBlue, Hilton Honors (1:2 ratio), and Marriott Bonvoy. Points pool with other Membership Rewards-earning cards you may hold, and the EveryDay Card can serve as a fee-free anchor to keep your points active.

Welcome Bonus

Earn 10,000 Membership Rewards points after spending $2,000 on eligible purchases within the first 6 months of card membership. While the bonus is smaller than the Gold or Platinum cards, the $2,000 spend requirement is very manageable and there is no annual fee to consider. Points are worth at least $100 and potentially more through transfer partners.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 3% (min $5) within the first 60 days, then 4% (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 2.7%
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Points collectors who want free access to the Membership Rewards program without an annual fee
• Frequent small-purchase shoppers who easily make 20+ transactions per month and can earn the 20% bonus consistently
• Multi-card holders who want a no-fee card to keep Membership Rewards points alive without maintaining a paid card
• Balance transfer seekers who want 0% intro APR for 15 months while earning transferable points

Not Good For

• High-reward seekers who want elevated earning rates on dining, travel, or multiple bonus categories
• International travelers due to the 2.7% foreign transaction fee
• Cash back preference since points require transfer knowledge to maximize, and cash back cards offer simpler value

Key Pros & Cons

Pros

• No annual fee with access to Membership Rewards transfer partners
• 2X at US supermarkets is solid for a no-fee points card
• 20% transaction bonus rewards frequent use and effectively boosts all earning
• 0% intro APR for 15 months on purchases and balance transfers
• Lower ongoing APR range starting at 17.49% compared to other Amex cards
• Points pool with other Membership Rewards cards in your account
• Serves as a free anchor to keep MR points active if you cancel a premium card
• Simple earning structure with no categories to activate or track
• Purchase protection and extended warranty included at no fee

Cons

• 10,000-point welcome bonus is small compared to premium Amex cards
• 1X base rate on non-grocery purchases is below flat-rate competitors
• Must make 20+ transactions per billing period to earn the bonus, which requires intentional use
• 2.7% foreign transaction fee limits international usefulness
• $6,000 annual cap on supermarket spending at the 2X rate
• No dining, travel, or gas bonus categories
• No travel protections like trip delay or baggage insurance
• Cash back equivalent of points is only 0.6 to 1 cent per point without transfers

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $460 including the welcome bonus with no annual fee to subtract. Points valued at 1 cent each; transfers to airline partners can increase value to 1.5 to 2 cents per point. Ongoing value is approximately $360 per year with the transaction bonus.

Should You Get This Card?

You Should Get It If...

• You want Membership Rewards points without paying an annual fee
• You naturally make 20 or more transactions per billing period
• You want a no-fee card to pool points with a Gold or Platinum Card
• You need a card with 0% intro APR and a lower ongoing rate
• You shop at US supermarkets regularly and want 2X points there
• You want a simple no-fee card that gives you airline transfer partner access

You Should Skip It If...

• You want high earning rates on dining, travel, or gas categories
• You do not want to track your transaction count each billing period
• You prefer straightforward cash back over Membership Rewards points
• You travel internationally and need a card without foreign transaction fees
• You want a premium card with travel protections and lounge access

Apply Now

Apply for Amex EveryDay® Credit Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.