American Express® National Bank Amex EveryDay® Credit Card

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

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.

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?

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.

What are the fees for Amex EveryDay® Credit Card?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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.