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.

This card features rewards for purchases in the following categories:

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

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

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.

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.