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  Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

in Personal Credit Cards from American Express National Bank

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Amex EveryDay® Preferred Credit Card

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in Personal Credit Cards from American Express National Bank

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

Amex EveryDay® Preferred Credit Card Review

Amex EveryDay® Preferred Credit Card is a rewards credit card issued by American Express National Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether 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.

Pros & Cons of Amex EveryDay® Preferred Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Amex EveryDay® Preferred Credit Card reports to multiple credit bureaus.
  • 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
  • Charges an annual fee of $95.
  • Charges a foreign transaction fee of 2.7%.
  • You don't earn rewards on every purchase.
  • There is annual fee of $95 to consider when applying for this card
  • Is there a Amex EveryDay® Preferred Credit Card cash back or rewards program?

    Amex EveryDay® Preferred Credit Card offers a rewards program to its customers.

    Amex EveryDay® Preferred Credit Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 3%
    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 EveryDay® Preferred Credit Card have a signup bonus?

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

    Amex EveryDay® Preferred Credit Card doesn't offer a cash loyalty bonus.

    What are the Amex EveryDay® Preferred Credit Card benefits?

    Amex EveryDay® Preferred 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
    • No blackout dates when redeeming miles
    • Reports to major credit bureaus

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

    Amex EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 14.74% up to 24.74%. 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 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® Preferred Credit Card have an introductory APR offer?

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

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

    Amex EveryDay® Preferred Credit Card Balance Transfers
    Description
    Balance Transfer APR 14.74% - 24.74%
    Introductory Rate 0%
    Intro APR period (months) 12
    Amex EveryDay® Preferred Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 14.74% - 24.74%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR 26.99%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    What are the Amex EveryDay® Preferred Credit Card fees?

    The following fees apply to Amex EveryDay® Preferred Credit Card:

    • There is no overlimit fee
    Amex EveryDay® Preferred Credit Card Fees
    Fees Amount
    Annual Fee $95
    Overlimit Fee $0
    Foreign Transaction Fee 2.7%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $39
    Late Payment Fee up to $39

    Does Amex EveryDay® Preferred Credit Card have a foreign transaction fee?

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

    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 can help improve your credit score.

    How to apply for Amex EveryDay® Preferred Credit Card

    • Visit the 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 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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
      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
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Annual Fee $95
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 2.7%
    Late Fee Amount Up to $39
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    Card Type
    • Bonus Offers
    • Gas
    • Rewards
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Cellular Telephone Protection
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Purchase Protection
    • Travel Accident Insurance
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Bonus Rewards Earn 15,000 Membership Rewards® point after you use your new Card to make $1,000 in purchases in your first 3 months.
    No Blackout Dates  
    No Reward Expiration Period  
    Signup Bonus (points) 15,000
    Cash Advance APR (Variable APR) 26.99%
    Purchase APR (Variable APR) 14.74% - 24.74%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Penalty APR 29.99%
    Balance Transfer APR (Variable APR) 14.74% - 24.74%
    Intro APR period 12
    Introductory Rate 0%

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