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Amex EveryDay® Credit Card

in Personal Credit Cards

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Amex EveryDay® Credit Card

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in Personal Credit Cards

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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, or 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% 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.

Is an introductory APR offer available?

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

This card does offer an introductory APR rate on new purchases 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, or 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 major 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.

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...

Availability

Available in 50 States and Washington, DC
  • 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

Grace Period
25
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Returned Payment Fee
$38
Foreign Currency Transaction Fee
2.7%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
640 - 850
850 300 640
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Bonus Rewards
Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 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.
Rewards Categories
  • Airfare
  • Every Purchase
  • Groceries
  • Hotels
  • Trains, Cruises, Other Travel
All Other Purchases
1X POINTS for every eligible dollar you spend.
Every Purchase
1X POINTS for every eligible dollar you spend.
No Reward Expiration Period
Signup Bonus (points)
10,000
Cash Advance APR
(Variable APR)
Starting at
26.74%
Purchases APR
(Variable APR)
14.49% - 25.49%
0% 29%
Balance Computation
Average Daily Balance (including new purchases)
Penalty APR
29.99%
Introductory Rate
0%
Balance Transfer APR
(Variable APR)
14.49% - 25.49%
8% 29%
Transfer Fee
0%
Transfer Fee
0%
Introductory Rate
0%
Intro APR period (months)
15

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