The Amex EveryDay® Credit Card from American Express offers the ability to earn Membership Rewards points without paying an annual fee. Its bonus categories on U.S. supermarkets and gas stations provide added value for routine spenders. Let’s dive into the rewards potential, benefits, and costs to see if the EveryDay Card deserves a spot in your wallet.
Introduction to the Amex EveryDay Card
The EveryDay Card is part of American Express’s suite of Membership Rewards-earning credit cards. With no annual fee and expanded bonus categories for grocery and gas spending, this card offers an affordable way to earn points from American Express.
In this review, we’ll see how the EveryDay Card competes in the no annual fee space and if it aligns with your spending profile.
Overview of Amex EveryDay Card Rewards Rates
| Category | Rewards Rate | Details |
|---|---|---|
| U.S. Supermarkets | 2X points | On first $6,000 in purchases annually, then 1X |
| U.S. Gas Stations | 2X points | At stand-alone stations on first $6,000 annually, then 1X |
| Other Purchases | 1X point | Unlimited earnings on all other purchases |
| 20% Bonus | 20% extra points | When you make at least 20 purchases per billing cycle |
The expanded 2X categories on groceries and gas compliment the unlimited 1X base rate nicely.
Welcome Offer, Intro APR, and Approval Requirements
New cardholders can earn 10,000 Membership Rewards points after spending $2,000 on purchases in the first 6 months. There is also a 0% intro APR for 15 months on purchases and balance transfers.
You’ll need a credit score in the good to excellent range of 690+ for approval. Authorized user status can help those with shorter credit histories get approved.
With no annual fee, requirements are more flexible than other Amex cards. This makes the EveryDay Card reasonably accessible.
With the EveryDay Card you can:
- Earn points on eligible card purchases
- Transfer points to various airline partners to book award travel
- Redeem points for gift cards, merchandise, travel, and more
Transferring to frequent flyer programs typically provides the best value.
Offsetting the Lack of Amex EveryDay Credit Card Annual Fee
Since the EveryDay Card has no annual fee, your strategy is simply maximizing the 20% points bonus:
- Make at least 20 purchases per billing cycle to trigger the bonus
- Use for small frequent transactions – like coffee, groceries, rideshares
- Enroll in Amex Offers for additional savings and rewards
With no annual fee, the EveryDay card is free to hold long term. Just focus on how to maximize rewards.
Who Does the Amex EveryDay Card Make Sense For?
The EveryDay Card is a good fit for:
- Frequent grocery shoppers – The 2X bonus category earns at major supermarkets.
- Gas station regulars – 2X bonuses apply at standalone gas stations.
- Responsible cardholders – Paying the bill off monthly avoids interest fees.
- Authorized user status – Help build your credit history if needed.
For people who spend regularly at grocery stores and gas stations each month, the EveryDay Card provides ample opportunities to earn extra points without an annual fee.
The Bottom Line
With no annual fee, the Amex EveryDay® Credit Card provides a decent flat-rate return across categories plus some bonus earning potential on groceries and gas. Just be sure your credit profile meets approval requirements. Overall a simple but solid no annual fee card.