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  American Express® National Bank Amex EveryDay® Credit Card

American Express® National Bank Amex EveryDay® Credit Card

in Personal Credit Cards from American Express National Bank

Claimed

American Express® National Bank 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

18 users recommend
0 users are unsure
0 users don't recommend
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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 18

American Express® National Bank Amex EveryDay® Credit Card Review

American Express® National Bank Amex EveryDay® Credit Card is a rewards credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank 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 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.
  • 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. American Express® National Bank 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 rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
American Express® National Bank Amex EveryDay® Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • American Express® National Bank Amex EveryDay® Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2.7%.
American Express® National Bank Amex EveryDay® Credit Card FAQ

Is there a American Express® National Bank Amex EveryDay® Credit Card cash back or rewards program?

American Express® National Bank Amex EveryDay® Credit Card offers a rewards program to its customers.

American Express® National Bank Amex EveryDay® Credit Card Rewards
Minimum rewards rate 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 American Express® National Bank Amex EveryDay® Credit Card have a signup bonus?

American Express® National Bank 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 American Express® National Bank Amex EveryDay® Credit Card offer an annual loyalty bonus?

American Express® National Bank Amex EveryDay® Credit Card doesn't offer a cash loyalty bonus.

What are the American Express® National Bank Amex EveryDay® Credit Card benefits?

American Express® National Bank Amex EveryDay® Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for American Express® National Bank 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. American Express® National Bank Amex EveryDay® Credit Card has lower than average purchase APRs.

American Express® National Bank 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 American Express® National Bank Amex EveryDay® Credit Card have an introductory APR offer on balance transfers?

Yes, American Express® National Bank Amex EveryDay® Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

American Express® National Bank Amex EveryDay® Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months

Does American Express® National Bank 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.

American Express® National Bank Amex EveryDay® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

What are the fees for American Express® National Bank Amex EveryDay® Credit Card?

The following fees apply to American Express® National Bank Amex EveryDay® Credit Card:

  • There is no overlimit fee
American Express® National Bank 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 American Express® National Bank Amex EveryDay® Credit Card have a foreign transaction fee?

American Express® National Bank 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 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 American Express® National Bank Amex EveryDay® Credit Card

  • Visit the American Express® National Bank 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.

American Express® National Bank Amex EveryDay® Credit Card Disclosure: Balance transfers must be requested within 60 days of account opening to qualify for 0% balance transfer fee. View American Express® National Bank 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
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
No Reward Expiration Period
Rewards Categories
  • 2x Points on Travel
  • 2x Points on Airfare
  • 2x Points on Groceries up to $6000 annually
  • 2x Points on Hotels
  • 1x Point on Every Purchase
Signup Bonus (points) 10,000
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%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Bonus Offers
  • Zero Percent
Card Network American Express

American Express® National Bank Amex EveryDay® Credit Card Community Reviews

 

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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.

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