How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology 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.
Citi is an advertising partner.
If you’re looking for an introduction into earning Membership Rewards points through American Express, The Amex EveryDay® Credit Card from American Express is a good place to start. While this card rewards you on purchases made at U.S. Supermarkets, the rewards you’ll earn on other purchases are lacking making this card better for beginners. You’ll earn 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases.
Although you can find higher rewards and a larger catalog of benefits with another card, the ability to start earning Membership Rewards® points with a $0 annual fee plus a long introductory APR is hard to find — not to mention you can earn 20% extra points when you make 20 or more purchases in a billing cycle. But if a higher rewards structure and additional benefits makes more sense for you, you may want to consider spending extra on a card with an annual fee.
Intro Purchase APR
0% introductory APR for the first 15 months from the date of account opening.
Regular Purchase APR
18.24% to 29.24% 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
18.24% to 29.24% variable
Annual Fee
$0
Cash Advance Fee
Either $10 or 5% 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. Since we estimate the value of Amex Membership Rewards points to be around 2.2 cents, this welcome offer is worth about $220. This bonus is not bad for a $0 annual fee rewards credit card and can get you started on earning points with this card.
Rewards at U.S. supermarkets
The Amex EveryDay® Credit Card rewards you primarily at U.S. Supermarkets. You’ll earn 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases. You’ll earn rewards as Membership Rewards points, giving you flexibility with redemption options.
You’ll earn an extra 20% points when you use your card 20 or more times on purchases in a billing period. Although this may seem high, using your card on everyday purchases or monthly bills can quickly get you to this number. However, if you plan to use your card exclusively at U.S. supermarkets, you’ll probably have a hard time reaching the threshold to earn this bonus rate.
Intro APR on purchases and balance transfers
The Amex EveryDay® Credit Card from American Express comes with a 0% introductory APR for the first 15 months from the date of account opening. After that, a regular APR of 18.24% to 29.24% variable applies. This intro period is longer than average, making this card a good option for financing a large purchase at 0%.
$0 annual fee
The Amex EveryDay® Credit Card from American Express charges a $0 annual fee. Not having to worry about an additional cost will allow you to take full advantage of building Membership Rewards® points.
Access to the Membership Rewards® program
One of the major advantages of this card is access to the Membership Rewards® Program. You’ll receive the same benefits through this program as those with American Express cards that come with a high annual fee. With access to this program you can use Pay with Points to pay for your travel purchase and book your flight with over 100 airlines through amextravel.com. Plus, you’ll earn 2X Membership Rewards® Points on eligible travel purchases.
Membership Rewards® points can be redeemed for flights through the Amex travel portal at the highest value, but you can also redeem points for hotel stays, gift cards, statement credits and more at anywhere from 0.5 to 1 cent per point. Redemption options include:
You can also transfer points to qualifying airline and hotel partners usually at a 1:1 ratio. Transfer partners include:
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. There are other cards — including other no annual fee cards — that offer more in terms of rewards like higher rewards rates and more spending categories.
Spending cap on rewards
The rewards you can earn at U.S. Supermarkets do come with a cap of $6,000. After you hit this spending cap, the value of rewards is cut in half. This is something to keep in mind if you think you’ll easily surpass this number.
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.
Few additional benefits
This card does offer a few travel benefits like car rental loss and damage insurance, Global Assist® Hotline and fraud protection. However, if you’re looking for a more extensive list of additional benefits, you may instead want to look at another card. The Blue Cash Preferred® Card from American Express for example, offers added benefits like access to ticket presales and exclusive events, trip insurance, baggage insurance and more at the cost of an annual fee after the first year of owning the card.
Limited redemption value
Unless you plan to use your points to book airfare through amextravel.com, you won’t find much value in the redemption options offered with The Amex EveryDay® Credit Card from American Express. While some gift card options can also be a valuable way to redeem points, other redemption options are worth under 1 cent per point. You’ll also get a poor value for cash back at only around 0.6 cents per point.
The Blue Cash Everyday® Card from American Express is a better rewards card all around, offering a higher earning rate and simple cash back rewards that you can redeem for statement credits or at Amazon.com checkout. It has a few things in common with The Amex EveryDay® Credit Card from American Express: It comes with a similar welcome offer and introductory APR on purchases and balance transfers, all for no annual fee.
However, when it comes to rewards rate, the Blue Cash Everyday® Card from American Express offers a 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. You’ll 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 in purchases, then 1%. 1% cash back on other purchases. Terms apply.
When looking at rewards alone, the Blue Cash Everyday® Card from American Express is the clear winner. However, if you want to try building points towards travel, you may still opt for The Amex EveryDay® Credit Card from American Express.
| Credit Cards | Our Ratings | Annual Fee | Welcome Offer | Rewards Rate | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|
The Amex EveryDay® Credit Card from American Express*
Learn More
on American Express's secure site |
$0 | 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months | 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x), and 1x points on other purchases | Excellent |
Learn More
on American Express's secure site |
|
|
Blue Cash Everyday® Card from American Express
|
$0 | Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 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 in purchases, then 1%. 1% cash back on other purchases. Terms apply. | Good/Excellent | ||
Capital One SavorOne Cash Rewards Credit Card
 Apply Now
on Capital One's secure site Rates & Fees |
$0 | $200 Cash Back after you spend $500 on purchases within 3 months from account opening | 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases | Good/Excellent |
Apply Now
on Capital One's secure site Rates & Fees |
|
Citi Custom Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
$0 | Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back. | Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. | Fair/Good/Excellent |
Apply Now
on Citibank's secure site Rates & Fees |
If you’re looking for a generous intro APR period, to finance a large purchase for a $0 annual fee and access to the American Express Membership Rewards® program, then The Amex EveryDay® Credit Card from American Express can help you start earning valuable points towards travel.
However, 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. For example, with a rewards card like the Citi Custom Cash® Card, you’ll automatically earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
