
Amex National Bank EveryDay® Preferred Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
15.99% - 25.99% (Verified 10/28/2022) |
Balance Transfer APR (Variable APR) |
15.99% - 25.99% (Verified 10/28/2022) |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
Amex National Bank EveryDay® Preferred Credit Card Review
This is a rewards credit card issued by American Express National Bank. If you're wondering whether Amex National Bank EveryDay® Preferred Credit Card is the right card for you, read on.
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 up to 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.
- Competitive APRs. Amex National Bank EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 15.99% up to 25.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Gas rewards. 2x points on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, purchase protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Amex National Bank EveryDay® Preferred Credit Card
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Amex National Bank EveryDay® Preferred Credit Card FAQ
Does Amex National Bank EveryDay® Preferred Credit Card have a cash back or rewards program?
Amex National Bank EveryDay® Preferred Credit Card is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 3x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 15000 |
Signup Bonus Spend Requirement | $1000 |
Signup Bonus Spend Period (months) | 3 months |
Does Amex National Bank EveryDay® Preferred 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 Amex National Bank EveryDay® Preferred Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Amex National Bank EveryDay® Preferred 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 Amex National Bank EveryDay® Preferred 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.Amex National Bank EveryDay® Preferred Credit Card has a variable purchase APR that ranges from 15.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 25.99%. It also has a variable cash advance APR of 28.24% . 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 National Bank EveryDay® Preferred Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Amex National Bank EveryDay® Preferred 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 Amex National Bank EveryDay® Preferred Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 2.7% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Amex National Bank EveryDay® Preferred Credit Card have a foreign transaction fee?
Amex National Bank 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 foreign transaction fees.What is the customer service phone number for Amex National Bank EveryDay® Preferred Credit Card?
The Amex National Bank EveryDay® Preferred Credit Card customer service number is (800) 528-4800.
What is the support contact email for Amex National Bank EveryDay® Preferred Credit Card?
The support contact email for Amex National Bank EveryDay® Preferred Credit Card is info@americanexpress.com.
What is the Amex National Bank EveryDay® Preferred Credit Card login page?
You can access the Amex National Bank EveryDay® Preferred Credit Card login page here.
How do people rate the customer service and user experience of Amex National Bank EveryDay® Preferred Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Amex National Bank EveryDay® Preferred Credit Card report your account activity to credit bureaus?
Yes, Amex National Bank 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 may help improve your credit.
How to apply for Amex National Bank EveryDay® Preferred Credit Card
- Visit the Amex National Bank 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 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 USA - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- 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
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
Amex National Bank EveryDay® Preferred Credit Card Community Reviews
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