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  American Express® National Bank Amex EveryDay® Preferred Credit Card

American Express® National Bank Amex EveryDay® Preferred Credit Card

in Personal Credit Cards from American Express National Bank

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American Express® National Bank Amex EveryDay® Preferred Credit Card

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Highlights
Purchase APR  (Variable APR) 12.99% - 22.99%
Balance Transfer APR  (Variable APR) 14.74% - 24.74%
Credit Score Range 700 - 850
Annual Fee $95

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

American Express® National Bank Amex EveryDay® Preferred Credit Card is a rewards credit card issued by American Express National Bank. If you're wondering whether American Express® National Bank Amex EveryDay® Preferred Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of 15000 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® Preferred Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%.
  • 3% Balance transfer fee. American Express® National Bank Amex EveryDay® Preferred Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
American Express® National Bank Amex EveryDay® Preferred Credit Card Pros & Cons
The Good The Bad
  • EARN 50% EXTRA POINTS Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Cardholders can earn rewards on purchases everywhere American Express® National Bank Amex EveryDay® Preferred Credit Card is accepted.
  • American Express® National Bank Amex EveryDay® Preferred Credit Card reports to multiple credit bureaus.
  • There is annual fee of $95 to consider when applying for this card
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a foreign transaction fee of 2.7%.
  • Charges a 3% balance transfer fee.
American Express® National Bank Amex EveryDay® Preferred Credit Card FAQ

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

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

American Express® National Bank Amex EveryDay® Preferred Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 15000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does American Express® National Bank Amex EveryDay® Preferred Credit Card have a signup bonus?

American Express® National Bank Amex EveryDay® Preferred Credit Card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

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

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

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

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

  • Cellular Telephone Protection
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

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

American Express® National Bank Amex EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 14.74% up to 24.74%. It also has a variable cash advance APR starting at 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® Preferred Credit Card have an introductory APR offer on balance transfers?

Yes, American Express® National Bank Amex EveryDay® Preferred Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

American Express® National Bank Amex EveryDay® Preferred Credit Card Balance Transfers
Description
Balance Transfer APR 14.74% - 24.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does American Express® National Bank Amex EveryDay® Preferred 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 12 months.

American Express® National Bank Amex EveryDay® Preferred Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

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

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

  • There is no overlimit fee
American Express® National Bank Amex EveryDay® Preferred Credit Card Fees
Fees Amount
Annual Fee $95
Overlimit Fee $0
Foreign Transaction Fee 2.7%

Does American Express® National Bank Amex EveryDay® Preferred Credit Card have a foreign transaction fee?

American Express® National Bank Amex EveryDay® Preferred 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® Preferred Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Amex EveryDay® Preferred 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® Preferred Credit Card

  • Visit the American Express® National Bank Amex EveryDay® Preferred 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.

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

Gas (Points) 2
Every Purchase (Points) 3X points at US Supermarkets up to $6,000 per year, 2X points at US gas stations. 1X point on other purchases
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 2.7%
Annual Fee $95
Returned Payment Fee Starting at $40
Late Fee Amount Starting at $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 700 - 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
  • Purchase Protection
  • Travel Accident Insurance
No Reward Expiration Period
No Blackout Dates
Rewards Categories Every Purchase
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) Starting at 25.24%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 12.99% - 22.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.74% - 24.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Bonus Offers
  • Gas
Card Network American Express

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SUPERMONEY NET RECOMMENDATION SCORE

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