Amex National Bank EveryDay® Preferred Credit Card

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 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.
• 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 28.24%.
• A 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 up to 2.7% every time you make a transaction outside the U.S.
• Gas rewards. on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, purchase security, and fraud protection.

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

Amex National Bank EveryDay® Preferred Credit Card FAQ

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

What are the Amex National Bank EveryDay® Preferred Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs. 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.

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

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

• Equifax
• Experian
• TransUnion

Does American Express® National Bank perform a hard credit pull?

How to apply for Amex National Bank EveryDay® Preferred Credit Card

• Visit the website of Amex National Bank EveryDay® Preferred 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.