National Bank Amex EveryDay® Credit Card
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| 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 |
National Bank Amex EveryDay® Credit Card Review
This is a rewards credit card issued by American Express National Bank. If you're wondering whether National Bank Amex EveryDay® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will 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.
- 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. National Bank Amex EveryDay® Credit Card has a variable purchase APR that ranges from 12.99% up to 22.99%.
- 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 gas 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.
| The Good | The Bad |
|---|---|
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Does National Bank Amex EveryDay® Credit Card have a cash back or rewards program?
National Bank Amex EveryDay® Credit Card is a rewards card.
| 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 National Bank Amex EveryDay® 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 National Bank Amex EveryDay® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the National Bank Amex EveryDay® 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 National Bank Amex EveryDay® 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.National Bank Amex EveryDay® 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 of 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 National Bank Amex EveryDay® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does National Bank Amex EveryDay® Credit Card have an intro APR offer on new purchases?
| 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 National Bank Amex EveryDay® Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $95 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2.7% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does National Bank Amex EveryDay® Credit Card have a foreign transaction fee?
National Bank 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 foreign transaction fees.What is the support contact email for National Bank Amex EveryDay® Credit Card?
The support contact email for National Bank Amex EveryDay® Credit Card is info@americanexpress.com.
How do people rate the customer service and user experience of National Bank Amex EveryDay® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does National Bank Amex EveryDay® Credit Card report your account activity to credit bureaus?
Yes, National Bank 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 may help improve your credit.
How to apply for National Bank Amex EveryDay® Credit Card
- Visit the National Bank 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- 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
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 12 months |
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