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  Amex National Bank EveryDay® Preferred Credit Card
Amex National Bank EveryDay® Preferred Credit Card Claimed

Amex National Bank EveryDay® Preferred Credit Card

Claimed
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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Highlights
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Purchase APR  (Variable APR) 15.99% - 25.99%
(Verified 10/28/2022)
Balance Transfer APR  (Variable APR) 15.99% - 25.99%
(Verified 10/28/2022)
Credit Score Range 700 - 850
Annual Fee $0

Amex National Bank EveryDay® Preferred Credit Card Review

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

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Earn 10,000 Membership Rewards® points after you spend $2,000 or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date your account is approved. In rare instances, your period of $2,000 may be shorter than 6 months if there is a delay in receiving your Card.
  • Competitive APRs. Amex National Bank EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 15.99% up to 25.99%.
  • 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.
  • 3% Balance transfer fee. Amex National Bank EveryDay® Preferred 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 2.7% every time you make a transaction outside the U.S.
  • Gas rewards. 2x points on eligible fuel purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, purchase protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Amex National Bank EveryDay® Preferred Credit Card

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
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 15.99% up to 25.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Amex National Bank EveryDay® Preferred Credit Card reports to multiple credit bureaus.
  • There is annual fee of $95 to consider when applying for this card
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 2.7%.
  • Charges a 3% balance transfer fee.

Amex National Bank EveryDay® Preferred Credit Card FAQ

Does Amex National Bank EveryDay® Preferred Credit Card have a cash back or rewards program?

Amex National Bank EveryDay® Preferred Credit Card is a rewards card.

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

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

This 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 Amex National Bank EveryDay® Preferred Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Amex National Bank EveryDay® Preferred Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Amex National Bank EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 15.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 25.99%. It also has a variable cash advance APR of 28.24% . 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 National Bank EveryDay® Preferred Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Amex National Bank EveryDay® Preferred Credit Card have an intro APR offer on new purchases?

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

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

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

The following fees apply:

  • There is no overlimit fee
Amex National Bank EveryDay® Preferred 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

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 National Bank EveryDay® Preferred Credit Card have a foreign transaction fee?

Amex National Bank 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 foreign transaction fees.

What is the customer service phone number for Amex National Bank EveryDay® Preferred Credit Card?

The Amex National Bank EveryDay® Preferred Credit Card customer service number is (800) 528-4800.

What is the support contact email for Amex National Bank EveryDay® Preferred Credit Card?

The support contact email for Amex National Bank EveryDay® Preferred Credit Card is info@americanexpress.com.

What is the Amex National Bank EveryDay® Preferred Credit Card login page?

You can access the Amex National Bank EveryDay® Preferred Credit Card login page here.

How do people rate the customer service and user experience of Amex National Bank EveryDay® Preferred Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

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

  • Visit the Amex National Bank 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.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all credit cards offered by American Express National Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2.7%
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Bonus Offer Earn 10,000 Membership Rewards® points after you spend $2,000 or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date your account is approved. In rare instances, your period of $2,000 may be shorter than 6 months if there is a delay in receiving your Card.
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 2x Points on Gas
  • 3x Points on Groceries up to $6000 annually
  • 1x Point on Every Purchase
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 28.24%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 15.99% - 25.99%
(Verified 10/28/2022)
Balance Transfer APR (Variable APR) 15.99% - 25.99%
(Verified 10/28/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Gas
  • Bonus Offers
Card Network American Express

Amex National Bank EveryDay® Preferred Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

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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