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  Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

in Personal Credit Cards from American Express® National Bank

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Amex EveryDay® Credit Card

Unaffiliated

in Personal Credit Cards from American Express® National Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR (Variable APR) 14.49% - 25.49%
Balance Transfer APR (Variable APR) 14.49% - 25.49%
Credit Score Range 640 - 850

Amex EveryDay® Credit Card Review

Amex EveryDay® Credit Card is a rewards credit card issued by American Express® National Bank. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

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.

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) 10000
Signup Bonus Spend Requirement $1000

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 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?

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
  • 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?

Amex EveryDay® Credit Card has a variable purchase APR that ranges from 14.49% up to 25.49%. 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 26.74% . 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?

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

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

Amex EveryDay® Credit Card Rates & Terms
Purchase APR 14.49% - 25.49%
Balance Transfer APR 14.49% - 25.49%
Cash Advance APR Starting at 26.74%
Penalty APR 29.99%

What are the Amex EveryDay® Credit Card fees?

No Annual Fee. Amex EveryDay® Credit Card does not charge an annual fee.

2.7% Foreign transaction fees. 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.

The following fees apply to Amex EveryDay® Credit Card:

Amex EveryDay® Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2.7%
Balance Transfer Fee 0%
Returned Payment Fee $38
Late Payment Fee $38

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Amex EveryDay® Credit Card

  • Visit the American Express® National Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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

Grace Period for Late Payment (Days) 25
Annual Fee $0
Balance Transfer Fee % 0%
No Annual Fee  
Returned Payment Fee $38
Late Fee Amount $38
Foreign Currency Transaction Fee 2.7%
Minimum Age 18
Credit Score Range 640 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Emergency Support  
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 15,000 Membership Rewards® Points after you use your new Card to make $1,000 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.
All Other Purchases 1X POINTS for every eligible dollar you spend.
Every Purchase 1X POINTS for every eligible dollar you spend.
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Every Purchase
  • Groceries
  • Hotels
  • Trains, Cruises, Other Travel
Signup Bonus (points) 10,000
Purchase APR (Variable APR) 14.49% - 25.49%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation Average Daily Balance (including new purchases)
Penalty APR 29.99%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 14.49% - 25.49%
Introductory Rate 0%
Intro APR period (months) 15

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