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

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.

Key takeaways:

  • 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 rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Amex EveryDay® Preferred Credit Card Pros and Cons:

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
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • Amex EveryDay® Preferred Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • There is annual fee of $95 to consider when applying for this card
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a foreign transaction fee of 2.7%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

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 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.

Amex EveryDay® Preferred Credit Card Balance Transfers
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.

Amex EveryDay® Preferred Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase 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%
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
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 2.7%
Annual Fee $95
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Bonus Offers
  • Gas
  • Rewards
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
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
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 Reward Expiration Period  
No Blackout Dates  
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 26.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 14.74% - 24.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.74% - 24.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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