Overview

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. 

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?

Amex EveryDay® Credit Card has a variable purchase APR that ranges from 14.49% to 25.49%. Balance transfer APRs range from 14.49% to 25.49%. It also has a variable cash advance APR of 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.

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:

• There is no annual fee
• 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:

• Airfare
• Every Purchase
• Groceries
• Hotels
• Trains, Cruises, Other Travel

Is a signup bonus offered?

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, and other perks.

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

 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

• Reports to the major three credit bureaus

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.