Last Updated: 07/28/2025
American Express® National Bank Amex EveryDay® Credit Card
Claimed
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +91
Strongly recommended23 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 29.24%(Verified 01/02/2025)
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Balance Transfer APR (Variable APR)
18.24% - 29.24%(Verified 01/02/2025)
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Credit Score Range
N/A
Annual Fee
$0
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Number of Reviews
American Express® National Bank Amex EveryDay® Credit Card Review
This is a travel 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 29.24%.
- 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.
- A 3% balance transfer fee. American Express® National Bank Amex EveryDay® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.7% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel assistance, and fraud protection.
Pros & Cons of Amex EveryDay® Credit Card
| The Good | The Bad |
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Amex EveryDay® Credit Card FAQ
Does Amex EveryDay® Credit Card have a cash back or rewards program?
Amex EveryDay® Credit Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 2 x points for a total of $6000 every year | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Amex EveryDay® Credit Card have a signup bonus?
Yes. Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Does Amex EveryDay® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Amex EveryDay® Credit Card benefits?
American Express® National Bank Amex EveryDay® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Amex EveryDay® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.American Express® National Bank Amex EveryDay® Credit Card has a variable purchase APR that ranges from 18.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .
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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.24% - 29.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Amex EveryDay® Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Amex EveryDay® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.7% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Amex EveryDay® Credit Card have a foreign transaction fee?
Amex EveryDay® Credit Card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Amex EveryDay® Credit Card?
The customer service number for Amex EveryDay® Credit Card is (800) 528-4800.
What is the support contact email for Amex EveryDay® Credit Card?
The support contact email for Amex EveryDay® Credit Card is info@americanexpress.com.
How do people rate the customer service and user experience of Amex EveryDay® Credit Card?
Overall, Amex EveryDay® Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
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 to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Amex EveryDay® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Amex EveryDay® Credit Card
- Visit the website of Amex EveryDay® Credit Card.
- 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.
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Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
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Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
20.74% - 28.74%
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Balance Transfer APR
N/A
Credit Score Range
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$325
Disclaimer popup with additional information
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19.99% - 28.99%
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Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
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Balance Transfer APR
21.24% - 29.24%
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Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
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Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
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Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
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Annual Fee
$650
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +91, or 4.8 on a 5-point rating scale.
+91
-1000+100
No one recommends
Everyone recommends
American Express® National Bank Amex EveryDay® Credit Card Community Reviews
Would you recommend American Express® National Bank Amex EveryDay® Credit Card to your friends?
SR
Saila R.
Nov 30, 2022
May or may not recommend
This is one of the most accepted credit worldwide, even when you travel. The other benefits are included no annual fee and excellent customer service around the world.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have several credit cards, all of them opened in California mostly in between 2005-2010. I have been using my credit cards since then, however Id like to say that there is no such credit card as American Express credit card! Its the best ever credit card that I have ever experienced since a decade now. My other cards are OK but not cool as AMEX. Yes, I call my ...Show More
EL
Erin L.
Sep 22, 2022
May or may not recommend
Good starter Amex for membership rewards. You get two Membership Rewards points per dollar at supermarkets up to $6,000 per year, two points per dollar for trips booked with American Express Travel and one point for every eligible dollar on everything else. Pay attention to the word "eligible" because not everything is. Unlike the other cards, it doesn't have an annual fee, and you can carry a ...Show More
AH
Adelaide H.
Jan 31, 2022
May or may not recommend
I like this card for its benefits and the Pay It option, but when payment did not go through, they charged several fees in one day for each time that it retried the payment before I even had a chance to fix it, and would not issue a refund.
SL
Sally L.
Apr 15, 2021
May or may not recommend
We opened this card for the reward, which when we opened it, I think it was 300 dollars after 1000 dollars spent. We received our reward easy enough. The best perk with this card is cashback on groceries. We are a soon be family of three, food adds up!
Alex B.
Feb 24, 2021
May or may not recommend
I have several credit cards, all of them opened in California mostly in between 2005-2010. I have been using my credit cards since then, however Id like to say that there is no such credit card as American Express credit card! Its the best ever credit card that I have ever experienced since a decade now. My other cards are OK but not cool as AMEX. Yes, I call my ...Show More
Hector D.
Jan 27, 2021
May or may not recommend
I have been using my Amex EveryDay credit card for quite some time now and I’m satisfied with the experience so far. I like that they allow you earn membership reward points with a wide variety of redemption categories. There’s also no annual fee, no-fee balance transfer, and you can easily earn travel rewards on routine purchases.
RG
Rupok G.
Dec 30, 2020
May or may not recommend
Amex is undoubtedly the best credit card I have used so far . It has no annual fee and they even give surprising rewards when you make purchases. And an addition of 15 months of intro APR makes it an extremely reliable credit card. My whole family uses it so I would like to recommend this to anyone looking for a credit card.
JK
Josefina K.
Dec 22, 2020
May or may not recommend
I have used Amex EveryDay® Credit Card for around three months now and have extremely pleased with the benefits that come with using the card! I would highly recommend it to anyone starting up and new business. To date all purchases have been easy. Has been a great card for my business. I had my card number stolen and they were responsive and very helpful replacing it and helping me ...Show More
DE
Daniel E.
Dec 10, 2020
May or may not recommend
This card is really great. AMEX is good about increasing your credit limit if you are a responsible spender (never late on payments). I used this card to really build my credit score. 10/10 Reccommend, but be careful as AMEX is not always accepted everywhere.
DS
D S.
Dec 2, 2020
May or may not recommend
If you're looking for an effective card that can help with those immediate concerns, this is it. It's a good one for domestic travel uses, but I don't recommend international travel simply because the fees do add up. But overall it's a great card, and very effective.
Top S.
Nov 25, 2020
May or may not recommend
Had a great experience with Amex EveryDay. Pleasant and straightforward process, always available to talk to if help was needed. Direct contact numbers and efficient responses to emails.
MV
Michael V.
Nov 23, 2020
May or may not recommend
My wife and I, like many other people were hit by the epidemic financially. When we finally got back up on our feet (or started to) we were in alot more debt than we wanted to be in. Slowly over the following few months we pulled ourselves out of it, but that couldn't have happened without Amex. We used it to help us slowly knock our debt back to a ...Show More
DE
Dorcas E.
Nov 15, 2020
May or may not recommend
Very exceptional service and credit offered. Outstanding customer service too. Wished I had known earlier about Amex Card. Thank you very much as someone's situation is not going to be the same ever but one will not forget the help offered timely. has zero annual fee, a zero percent intro APR and long intro APR period. Thank you.
AB
Alexandra B.
Nov 5, 2020
May or may not recommend
I wanted to start building my credit sperate from my husband, so I got this card. I wanted something that had no annual fee and a low spending limit. I use this card to pay for a few grocery purchases a month. When you first sign up, if you hit a certain amount of charges, you earn extra points. Be sure to pay attention to this amount so you can ...Show More
Esther O.
Oct 29, 2020
May or may not recommend
I love everything about American Express: their credit cards are slick. If you are registering for one for the first time, you will get a 10,000 points bonus - but you have to spend at least $1,000 to redeem your bonus. I redeemed mine for a wonderful trip. You can get gifts with your bonus. Amex is thoroughly low-maintenance and high reward. They do not charge an annual fee.
There's ...Show More
RS
Rebecca S.
Oct 24, 2020
May or may not recommend
I love my Amex EveryDay Credit Card. With so many perks and a low interest rate, it's great for making large purchases or doing balance transfers. So far, I've used to to furnish my new home. Once that was paid off, I used it for balance transfers to clear my other cards. It has certainly been a helpful credit card for me and it helps me keep my credit score ...Show More
PB
Paul B.
Oct 22, 2020
May or may not recommend
Thank you for the help. All hope was lost with my credit card and I am excited with the whole process. Customer service was awesome and the time was fast..
After being scam by two different companies, I am happy to finally find a company that works pretty well for me.
Thank you. With ex Everyday, be assured to have a quality service and the best customer service.
Thank you. I recommend ...Show More
Adewale A.
Oct 15, 2020
May or may not recommend
I'm overtly grateful to Michael who introduced me to Amex Everyday Credit Card. Unlike the Evine Credit card, the Amex card provides 0% APR, there's no annual fee, there are multiple credit card perks and there's often rewards on every purchase. Sounds cool?
With Amex credit card, I've been able to purchase some products without being scared of huge charges.
Honestly, everyone deserves to own an Amex credit card. It's ...Show More
HK
Hailey K.
Oct 8, 2020
May or may not recommend
Amex EveryDay Credit Card offers a fair credit score range, which attracts more customers. The APR is high. However, with a healthy credit card/user relationship, I could see this card being great for the mature/educated. Who doesn't love a $0 annual fee!
Showing 20 of 23 reviews
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