Amex EveryDay® Preferred Credit Card
in Personal Credit Cards from American Express National Bank
ClaimedAmex EveryDay® Preferred Credit Card
in Personal Credit Cards from American Express National Bank
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| Purchase APR (Variable APR) | 14.74% - 24.74% |
| Balance Transfer APR (Variable APR) | 14.74% - 24.74% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $95 |
Amex EveryDay® Preferred Credit Card Review
Amex EveryDay® Preferred Credit Card is a rewards credit card issued by American Express National Bank. 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.
- Generous reward rate. You will get a a rewards rate of up to 3x.
- 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. Amex EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 14.74% up to 24.74%.
- 3% Balance transfer fee. 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Gas rewards.
- Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
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Is there a Amex EveryDay® Preferred Credit Card cash back or rewards program?
Amex EveryDay® Preferred Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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:
- 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 on balance transfers?
Yes, Amex EveryDay® Preferred Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
| 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 Minimum | $5 |
Does 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.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 12 |
What are the fees for Amex EveryDay® Preferred Credit Card?
The following fees apply to Amex EveryDay® Preferred Credit Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $95 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2.7% |
| 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.
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.
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
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
| 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 |
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