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The Amex EveryDay® Credit Card from American Express is a $0 annual fee card that primarily benefits grocery shoppers. Cardholders earn 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases.
That said — if you don’t frequently spend at U.S. supermarkets, you may be better off with a rewards card that offers an elevated rate in other popular spending categories, such as gas stations, dining or travel.
We review the pros and cons of The Amex EveryDay® Credit Card from American Express and show how it compares to the Blue Cash Everyday® Card from American Express, which also offers rewards at U.S. supermarkets.
Intro Purchase APR
0% introductory APR for the first 15 months from the date of account opening.
Regular Purchase APR
15.24% to 26.24% variable
Intro BT APR
0%, introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening.
Regular BT APR
15.24% to 26.24% variable
Annual Fee
$0
Cash Advance Fee
Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee
2.7% of each transaction after conversion to U.S. dollars
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Welcome offer
New card members can earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months.
Membership Rewards® points can be redeemed for rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment. You can easily pay with points at Ticketmaster.com and Amazon.com. Also, you can transfer points to a selection of frequent traveler programs— but be aware: For each conversion of points into the frequent flyer program of a U.S. airline, there’s a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your account.
Rewards rate
The Amex EveryDay® Credit Card from American Express rewards grocery shoppers by offering 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases.
Additionally, if you make 20 or more purchases with your card in a billing period, you’ll earn 20% more points on those purchases, less returns and credits.
Intro APR on purchases
If you want to finance a large purchase and pay it off interest-free for more than a year, you can do so with The Amex EveryDay® Credit Card from American Express. The card comes with an intro APR of 0% introductory APR for the first 15 months from the date of account opening. on purchases. After that, a regular APR of 15.24% to 26.24% variable applies.
Annual fee
The Amex EveryDay® Credit Card from American Express charges a $0 annual fee.
Modest rewards rate on general purchases
Although The Amex EveryDay® Credit Card from American Express offers a decent rewards rate at U.S. supermarkets up to the yearly max, all other purchases only earn 1 point per dollar spent.
Foreign transaction fees
If you use The Amex EveryDay® Credit Card from American Express to make purchases outside of the U.S, you will be subject to foreign transaction fees of 2.7% of each transaction after conversion to U.S. dollars.
The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express may sound similar, but they differ in a few key ways.
For example, both cards offer rewards at U.S. supermarkets; however, the Blue Cash Everyday® Card from American Express offers cash back instead of points.
Additionally, the Blue Cash Everyday® Card from American Express offers a slightly higher rewards rate at U.S. supermarkets, as well as an elevated rate at U.S. gas stations and on U.S. online retail purchases.
Blue Cash Everyday® Card from American Express members earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply.
The Blue Cash Everyday® Card from American Express also comes with the following welcome offer: Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
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| The Amex EveryDay® Credit Card from American Express | Blue Cash Everyday® Card from American Express | Blue Cash Preferred® Card from American Express | Discover it® Cash Back |
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Apply Now on American Express's secure site
Terms Apply
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Apply Now on American Express's secure site
Terms Apply
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Apply Now on Discover's secure site
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| Annual Fee | |||
| $0 | $0 | $0 intro annual fee for the first year, then $95 | $0 |
| Welcome Offer | |||
| 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months | Earn up to $250 – Here’s How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership. | Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. | Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. |
| Rewards Rate | |||
| 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply. | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. | 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically |
| Intro Purchase APR | |||
| 0% introductory APR for the first 15 months from the date of account opening. | 0% on purchases for 15 months | 0% on purchases for 12 months | 0% Intro APR for 15 months |
| Regular APR | |||
| 15.24% to 26.24% variable | 17.74%-28.74% Variable | 17.74%-28.74% Variable | 15.74% - 26.74% Variable APR |
| Intro Balance Transfer APR | |||
| 0%, introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening. | 0% on balance transfers for 15 months | 0% on balance transfers for 12 months | 0% Intro APR for 15 months |
| Regular Balance Transfer APR | |||
| 15.24% to 26.24% variable | 17.74%-28.74% Variable | 17.74%-28.74% Variable | 15.74% - 26.74% Variable APR |
| Balance Transfer Fee | |||
| Either $5 or 3% of the amount of each transfer, whichever is greater. | Either $5 or 3% of the amount of each transfer, whichever is greater. | Either $5 or 3% of the amount of each transfer, whichever is greater. | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* |
| Recommended Credit | |||
| Excellent | Excellent/Good | Excellent/Good | Excellent/Good |
| Card Details | |||
| The Amex EveryDay® Credit Card from American Express | Blue Cash Everyday® Card from American Express | Blue Cash Preferred® Card from American Express | Discover it® Cash Back |
Overall, The Amex EveryDay® Credit Card from American Express is a modest rewards card, since you can get a higher rewards rate for supermarket and everyday spending with other cards. Just know, making at least 20 purchases in a billing period can raise your points earning and make this card a good option for supermarket purchases.
But if you’re looking for a generous intro APR period to finance a large purchase for a $0 annual fee, then the The Amex EveryDay® Credit Card from American Express can help you save on interest charges for more than a year.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
The information related to the The Amex EveryDay® Credit Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
