
American Express® National Bank Amex EveryDay® Credit Card
Explore a similar product
Try this top product in Credit Cards.
Community Rating | Strongly recommended |
Purchase APR (Variable APR) |
15.99% - 26.99% (Verified 10/28/2022)
|
Balance Transfer APR (Variable APR) |
15.99% - 26.99% (Verified 10/28/2022)
|
Credit Score Range | 640 - 850 |
Annual Fee | $0 |
Number of Reviews | 23 |
American Express® National Bank Amex EveryDay® Credit Card Review
This 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.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. 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.
- Competitive APRs. American Express® National Bank Amex EveryDay® Credit Card has a variable purchase APR that ranges from 15.99% up to 26.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. American Express® National Bank Amex EveryDay® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Amex EveryDay® Credit Card
The Good | The Bad |
---|---|
|
|
Amex EveryDay® Credit Card FAQ
Does Amex EveryDay® Credit Card have a cash back or rewards program?
Amex EveryDay® Credit Card is a travel rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 10000 |
Signup Bonus Spend Requirement | $1000 |
Signup Bonus Spend Period (months) | 3 months |
Does Amex EveryDay® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.Does Amex EveryDay® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Amex EveryDay® Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Amex EveryDay® Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.American Express® National Bank Amex EveryDay® Credit Card has a variable purchase APR that ranges from 15.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 26.99%. It also has a variable cash advance APR of 28.24% . 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 15.99% - 26.99% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Amex EveryDay® Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 15 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the fees for Amex EveryDay® Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 2.7% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
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 foreign transaction fees.What is the customer service phone number for Amex EveryDay® Credit Card?
The Amex EveryDay® Credit Card customer service number is (800) 528-4800.
What is the support contact email for Amex EveryDay® Credit Card?
The support contact email for Amex EveryDay® Credit Card is info@americanexpress.com.
What is the Amex EveryDay® Credit Card login page?
You can access the Amex EveryDay® Credit Card login page here.
How do people rate the customer service and user experience of Amex EveryDay® Credit Card?
Overall, Amex EveryDay® Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does American Express® National Bank Amex EveryDay® Credit Card report your account activity to credit bureaus?
Yes, American Express® National Bank 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 may help improve your credit.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 USA - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
American Express® National Bank Amex EveryDay® Credit Card Community Reviews
Would you recommend American Express® National Bank Amex EveryDay® Credit Card to your friends?
American Express National Bank Credit Cards
- BankMobile Classic Mastercard
- Belk Elite Rewards MasterCard
- CASE Credit Union Platinum Visa Credit Card
- Central Bank World Elite Mastercard®
- Coutts Silk Credit Card
- FivePoint Credit Union Platinum Visa Credit Card
- JSC Federal Credit Union Visa Platinum Credit Card
- Lufthansa Miles & More World Elite Mastercard
- McCoy Federal Credit Union Visa Platinum Rewards Card
- Members First Credit Union Platinum VISA
- Renasant Bank Visa Signature® Everyday Rewards Card
- Toyota Credit Card