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  Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

Amex EveryDay® Credit Card

Claimed

in Personal Credit Cards from American Express National Bank

Net Recommendation Score +100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Highlights
Highlights
Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR  (Variable APR) 14.49% - 25.49%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.74% - 25.74%

Amex EveryDay® Credit Card Review

Amex EveryDay® Credit Card is a rewards credit card issued by American Express National Bank.  If you're wondering whether Amex EveryDay® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 15 months , which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of 20000 after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Amex EveryDay® Credit Card has a variable purchase APR of up to 25.74%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Amex EveryDay® Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Charges a foreign transaction fee of 2.7%.

Is there a Amex EveryDay® Credit Card cash back or rewards program?

Amex EveryDay® Credit Card offers a rewards program to its customers.

Amex EveryDay® Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does Amex EveryDay® Credit Card have a signup bonus?

Amex EveryDay® Credit Card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does Amex EveryDay® Credit Card offer an annual loyalty bonus?

Amex EveryDay® Credit Card doesn't offer a cash loyalty bonus.

What are the Amex EveryDay® Credit Card benefits?

Amex EveryDay® Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Amex EveryDay® Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Amex EveryDay® Credit Card has lower than average purchase APRs.

Amex EveryDay® Credit Card has a variable purchase APR that ranges from 14.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 14.49% up to 25.49%. It also has a variable cash advance APR starting at 26.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Amex EveryDay® Credit Card have an introductory APR offer on balance transfers??

Yes, Amex EveryDay® Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Amex EveryDay® Credit Card Balance Transfers
Description
Balance Transfer APR 14.49% - 25.49%
Introductory Rate 0%
Intro APR period (months) 15

Does Amex EveryDay® Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the Amex EveryDay® Credit Card fees?

The following fees apply to Amex EveryDay® Credit Card:

  • There is no overlimit fee
Amex EveryDay® Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2.7%
Balance Transfer Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Amex EveryDay® Credit Card have a foreign transaction fee?

Amex EveryDay® Credit Card charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Amex EveryDay® Credit Card report your account activity to credit bureaus?

Amex EveryDay® Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Amex EveryDay® Credit Card

  • Visit the Amex EveryDay® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 2X points at US supermarkets on up to $6,000 per year in purchases. 1X POINTS ON OTHER PURCHASES.
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25
Balance Transfer Fee % 0%
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 2.7%
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
  • Zero Percent
Card Network
  • American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Earn 20,000 Membership Rewards® Points after you use your new Card to make $12,000 on purchases in your first 3 months. 2x points at US supermarkets on up to $6,000 per year in purchases. Learn More. Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits.Terms and limitations apply.
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Every Purchase
  • Groceries
  • Hotels
  • Travel
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) Starting at 26.99%
Purchase APR (Variable APR) 14.74% - 25.74%
Introductory Rate 0%
Balance Computation Average Daily Balance (including new purchases)
Penalty APR 29.99%
Intro APR period 15
Balance Transfer APR (Variable APR) 14.49% - 25.49%
Introductory Rate 0%
Intro APR period 15

Amex EveryDay® Credit Card Community Reviews

 

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