SuperMoney
  Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

Amex EveryDay® Credit Card

Claimed

in Personal Credit Cards from American Express National Bank

SuperMoney Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

13 users recommend
0 users are unsure
0 users don't recommend
Cast your vote

Would you recommend Amex EveryDay® Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 12.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 13

Amex EveryDay® Credit Card Review

Amex EveryDay® Credit Card 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. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Amex EveryDay® Credit Card has a variable purchase APR that ranges from 12.99% up to 23.99%.
  • 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.
  • 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 purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
Amex EveryDay® Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on purchases everywhere Amex EveryDay® Credit Card is accepted.
  • Amex EveryDay® Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2.7%.
Amex EveryDay® Credit Card FAQ

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
Minimum rewards rate (all purchases) 1x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

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:

  • Cellular Telephone Protection
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Amex EveryDay® Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Amex EveryDay® Credit Card has lower than average purchase APRs.

Amex EveryDay® Credit Card has a variable purchase APR that ranges from 12.99% up to 23.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% 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 on balance transfers?

No, Amex EveryDay® Credit Card does not come with an introductory APR offer for balance transfers.

Does Amex EveryDay® Credit Card have an introductory APR offer on new purchases?

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

Amex EveryDay® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 15

What are the fees for Amex EveryDay® Credit Card?

The following fees apply to Amex EveryDay® Credit Card:

  • There is no overlimit fee
Amex EveryDay® Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2.7%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Amex EveryDay® Credit Card have a foreign transaction fee?

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.

Does Amex EveryDay® Credit Card report your account activity to credit bureaus?

Yes, 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Amex EveryDay® Credit Card Disclosure: Balance transfers must be requested within 60 days of account opening to qualify for 0% balance transfer fee. View Amex EveryDay® Credit Card's published terms & conditions.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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

Every Purchase (Points) 2X points at US supermarkets on up to $6,000 per year in purchases. 1X POINTS ON OTHER PURCHASES.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2.7%
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
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 20,000 Membership Rewards® Points after you use your new Card to make $12,000 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.
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Every Purchase
  • Groceries
  • Hotels
  • Travel
Signup Bonus (points) 10,000
Rewards Type Points
Cash Advance APR (Variable APR) 25.24%
Balance Computation Average Daily Balance (including new purchases)
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 12.99% - 23.99%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Bonus Offers
  • Zero Percent
Card Network American Express

Amex EveryDay® Credit Card Community Reviews

 

Would you recommend Amex EveryDay® Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

+100%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by

Other Personal Credit Cards

American Express National Bank Personal Credit Cards

Loading...