Amex EveryDay® Credit Card
in Personal Credit Cards from American Express National Bank
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Would you recommend Amex EveryDay® Credit Card to your friends?
| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | 14.49% - 25.49% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.74% - 25.74% |
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.
- 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 20000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Amex EveryDay® Credit Card has a variable purchase APR of up to 25.74%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 60 days of opening the account.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
| The Good | The Bad |
|---|---|
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Is there a Amex EveryDay® Credit Card cash back or rewards program?
Amex EveryDay® Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 20000 |
| Signup Bonus Spend Requirement | $2000 |
| 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 20000 points signup bonus after spending $2000 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:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero 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?
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 14.74% up to 25.74%. 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 26.99% . 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.
Does Amex EveryDay® Credit Card have an introductory APR offer on balance transfers??
Yes, Amex EveryDay® Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 14.49% - 25.49% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 0% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | 60 |
| Balance Transfer Fee Minimum | N/A |
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.
What are the Amex EveryDay® Credit Card fees?
The following fees apply to Amex EveryDay® Credit Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | up to $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2.7% |
| Balance Transfer Fee | 0% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
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?
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 can help improve your credit score.
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.
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Contact
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New York, NY 10285 - Visit Site
Other Services by American Express National Bank
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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. |
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14.74% - 24.74%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
750 - 850
Annual Fee
$450
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.49% - 26.49%
(Variable APR)
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
17.49% - 26.49%
(Variable APR)
Balance Transfer APR
17.24% - 26.24%
(Variable APR)
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
17.24% - 26.24%
(Variable APR)
Balance Transfer APR
25.49%
Credit Score Range
750 - 850
Annual Fee
$0
Purchase APR
25.49%
Balance Transfer APR
17.74% - 26.74%
(Variable APR)
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
17.74% - 26.74%
(Variable APR)
Balance Transfer APR
17.99% - 26.99%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
17.99% - 26.99%
(Variable APR)
Balance Transfer APR
14.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
14.74% - 25.74%
(Variable APR)
Balance Transfer APR
17.24% - 26.24%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
17.24% - 26.24%
(Variable APR)
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17.24% - 26.24%
(Variable APR)
Credit Score Range
700 - 850
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$450
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(Variable APR)
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16.74% - 20.74%
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700 - 850
Annual Fee
$95
Purchase APR
16.74% - 20.74%
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Balance Transfer APR
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