Who is this credit card designed for?

Amex EveryDay® Credit Card is a credit card issued by American Express Bank, which is based in New York, NY, and was established in 1850.

Amex EveryDay® Credit Card is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

American Express Bank charges a variable APR on new purchases that ranges from 14.24% to 25.24%. Balance transfer APRs, which are also variable, range from 14.24% to 25.24%

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.

Is an introductory APR offer available?

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

What are the fees?

The following fees apply to Amex EveryDay® Credit Card:

  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • A foreign transaction fee of 2.7%. Transactions in a foreign currency get hit with a 2.7% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $27.

Is a rewards program offered?

Amex EveryDay® Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Groceries

Is a signup bonus offered?

Amex EveryDay® Credit Card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus that can be redeemed for gifts and other perks.

What additional benefits are offered?

Amex EveryDay® Credit Card provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Fraud liability
  • Travel insurance
    • Credit Score Range
      640 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      • U.S. Citizen
      • U.S. Permanent Resident
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Minimum Age
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
    • Grace Period / Deferred Interest
    • Late Payment Penalty
    • Returned Payment Fee
    • Foreign Currency Transaction Fee
    • No Annual Fee
    • Card Type
      • Travel
      • Balance Transfer
      • Rewards
    • 0% Introductory APR
    • Card Network
      American Express
    • Car Rental Insurance
    • Credit Card Benefits
      • Auto Rental Collision Damage Waiver
      • Cellular Telephone Protection
      • Emergency Support
      • Extended Warranty Protection
      • Fraud Liability
      • Purchase Protection
      • Travel Accident Insurance
    • Emergency Support
    • Extended Warranty
    • Fraud Liability
    • Travel Insurance
    • Points
    • Rewards Categories
      • Every Purchase
      • Groceries
    • Signup Bonus (points)
    • Balance Computation
      Average Daily Balance (including new purchases)
    • Penalty APR
    • Purchases APR (variable)
      14.24% - 25.24%
    • Transfer Fee
    • Balance Transfer APR (variable)
      14.24% - 25.24%
    • Intro APR period (months)
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