Amex EveryDay® Preferred Credit Card from American Express Review

If you’re looking for a card with an easy-to-earn welcome offer plus heightened Membership Rewards for everyday categories, The Amex EveryDay® Preferred Credit Card from American Express could be worth it. You’ll earn 3x points at U.S. supermarkets; 2x points at U.S. gas stations; 1x points on other purchases.

While The Amex EveryDay® Preferred Credit Card from American Express has a $95 annual fee, we estimate that the average cardholder can earn over $1,000 in rewards each year by using the card 30+ times a month and transferring Membership Rewards to loyalty program partners. This card is also a great pick for an intro APR credit card, allowing you to enjoy interest-free purchases and balance transfers for 12 months from the date of account opening.

However, some other everyday cards offer higher earning rates and more extensive benefits without an annual fee or the hassle of using the card 30+ times per month.

• Valuable welcome offer

  New card members can earn 15,000 bonus points after you use your new card to make $2,000 in purchases in your first 6 months of account opening We estimate Amex Membership Rewards points are valued at approximately 2 cents, making this welcome offer worth around $300 — which more than covers the card’s initial $95 annual fee.

  It’s worth noting that most cards with a welcome offer give you around three months to meet the minimum spend requirement, whereas The Amex EveryDay® Preferred Credit Card from American Express gives you up to six months.

• Decent rewards for U.S. supermarkets, U.S. gas stations and travel

  The Amex EveryDay® Preferred Credit Card from American Express provides decent rewards for everyday categories. You’ll earn 3x points at U.S. supermarkets; 2x points at U.S. gas stations; 1x points on other purchases.

  You can also double your Membership Rewards® points by using the card to book eligible travel through AmexTravel.com, such as airline tickets, prepaid hotel stays, vacation packages, cruise reservations and more.

  If you use your The Amex EveryDay® Preferred Credit Card from American Express primarily at U.S. supermarkets and spend the maximum $6,000 per year, you’ll earn 18,000 Membership Rewards® points.That’s a $360 annual value if you can redeem those points for 2 cents each — which is often possible by transferring points to partner airlines and hotels.

• Earn 50% extra points

  Another great feature of the Amex EveryDay® Preferred Credit Card from American Express is the ability to earn 50% more points by using your card 30 or more times each billing cycle for eligible purchases.

  While returning a purchase will reduce how many reward points you can earn for that billing period, it doesn’t affect your purchase count. This means you’ll earn the bonus if you make at least 30 purchases that month, regardless of how many returns you end up doing.

  Note that you can’t earn the 50% bonus for certain transactions, including balance transfers, fees or interest charges, gift card purchases, cash advances or person-to-person payments.

• Intro APR on purchases and balance transfers

  The Amex EveryDay® Preferred Credit Card from American Express offers a 0% intro APR on purchases for 12 months from the date of account opening and a 0%, introductory APR for the first 12 months from the date of account opening on balance transfers requested within 60 days of account opening. After that, an APR of 18.24% to 28.24% variable applies, based on your creditworthiness and other factors.

  While being able to make interest-free purchases and balance transfers can help during emergencies, it’s best to use this feature with caution. Otherwise, you may struggle to repay the debt once the high interest rate kicks in.

• Travel and purchase protections

  The Amex EveryDay® Preferred Credit Card from American Express provides some basic travel and purchase benefits that can add to the card’s overall value.

  • Car rental loss and damage insurance: You can receive free coverage if you use this card to reserve and pay for your entire car rental. However, this benefit is secondary to your primary insurance policy, doesn’t include liability coverage, and not all vehicle types and countries are covered.
  • Access to the Global Assist Hotline: This service provides 24/7 emergency assistance such as medical and legal referrals, emergency cash wires, missing luggage assistance and more. Terms and conditions apply.
  • Return protection: If a seller won’t accept an item for return, American Express may refund the full price, excluding shipping and handling. This benefit is capped at $300 per item, up to a maximum of $1,000 per calendar year. Terms and conditions apply.

• Access to the Membership Rewards program

  A major advantage to this card is access to the American Express Membership Rewards® Program. If you have multiple Amex cards, you can link your accounts and consolidate all your points in one place.

  Here are the options for redeeming your Membership Rewards® points and their estimated values:

  • Transfer to travel partners: 2 cents
  • Book travel via American Express Travel: 0.7 – 1 cent
  • Purchases on Amazon.com: 0.7 cents
  • Purchase gift cards: 0.5 – 1 cent
  • Statement credits: 0.6 cents
  • Buy merchandise with points: 0.5 cents
  • Donate to charity: 0.7 cents

  American Express Travel partners

  Aer Lingus AeroMexico Aeroplan ANA Mileage Club Avianca British Airways Cathay Pacific Delta Air Lines Emirates Etihad

  Hawaiian Airlines Iberia JetBlue Qantas Qatar Singapore Airlines Virgin Atlantic Choice Privileges Hilton Honors Marriott Bonvoy

• Annual fee

  Although the Amex EveryDay® Preferred Credit Card from American Express has high-earning rates for daily spending categories, you can earn similar rewards on credit cards with no annual fee.

  If you don’t think you’ll maximize the $6,000 grocery category or use the card at least 30 times each month to get the 50% bonus, you might be better off going with the no-annual fee version of this card.

• Spending cap on rewards

  If you want to maximize your grocery spending rewards, keep in mind that this card comes with an annual cap of $6,000. Up to that amount, you’ll earn 3x rewards. After that, the rate drops to 1x.

  For those planning to surpass that amount, you might want to check out our list of best grocery store credit cards.

• Foreign transaction fees

  This card isn’t the best fit for travelers wanting an everyday card to use while overseas. The Amex EveryDay® Preferred Credit Card from American Express is subject to foreign transactions fees of 2.7% of each transaction after conversion to US dollars.

  Plus, the everyday reward categories like grocery stores and gas stations only apply to purchases made within the U.S.

• Minimal travel benefits

  This card’s only travel benefits are car rental insurance and access to the Global Assist Hotline. In comparison, other similar cards offer perks like trip cancellation and baggage insurance.

  For example, you can earn a $50 annual hotel credit after booking one hotel stay via the Chase Travel Portal with the Chase Sapphire Preferred^® Card, which also has a $95 annual fee.

• Limited redemption options

  You get the biggest redemption value when transferring your Membership Rewards® to one of American Express’s travel partners — often up to 2 cents per point. You can also get a good redemption rate when using points to book travel through AmexTravel.com.

  Besides these options, most redemption options, including cash back, are worth less than 1 cent per point.

The Amex EveryDay® Credit Card from American Express

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The Amex EveryDay® Credit Card from American Express*

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The Amex EveryDay® Credit Card from American Express*

Intro Purchase APR 0% introductory APR for the first 15 months from the date of account opening.… Read More

Regular Purchase APR 18.24% to 29.24% variable

Annual Fee $0

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… Read More

Highlights

• Earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months.
• Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 18.24% to 29.24%
• 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x)
• 1x points on other purchases.
• Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
• Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
• No annual fee.
• Terms Apply.

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

720 850

Excellent

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*The information related to the The Amex EveryDay® Credit Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

If you want to earn Membership Reward points through American Express but aren’t ready to commit to an annual fee, The Amex EveryDay® Credit Card from American Express could be a better choice. Like the annual fee version, this basic card offers a decent welcome offer and rewards on everyday purchases, although at slightly lower rates.

You’ll earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months — a little less than The Amex EveryDay® Preferred Credit Card from American Express. The earning rate at U.S. supermarkets is 2x instead of 3x, with the same $6,000 annual cap.

The Amex EveryDay® Preferred Credit Card from American Express is the better choice for a balance transfer or new purchase. You’ll get an intro APR on balance transfers and new purchases with a longer introductory period. Both cards also offer bonus points if you make a certain amount of purchases per month, with the no-annual-fee version earning 20% after 20+ purchases, versus 50% after 30+ purchases with The Amex EveryDay® Preferred Credit Card from American Express.

Citi Custom Cash^® Card

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Citi Custom Cash^® Card

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Rates & Fees

Citi Custom Cash^® Card

Intro Purchase APR 0% intro APR for 15 months on Purchases

Regular Purchase APR 19.24% - 29.24% (Variable)

Annual Fee $0

Rewards Rate 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.… Read More

Highlights

• Earn $200 cash back after you spend $1,500 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.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• 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.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash^® Card account per person.

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

600 660 720 850

Fair/Good/Excellent

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Show Detailsfor Citi Double Cash Card

If you want to earn top rewards on your grocery purchases without paying an annual fee, the Citi Custom Cash^® Card may be your best option. It allows you to earn 5% cash back on the first $500 spent in your top spending category each billing cycle.

Eligible categories include grocery stores, restaurants, gas stations, drug stores, home improvement stores, fitness clubs, live entertainment and select streaming service, travel and transit purchases.

If groceries are your top spending category every month, you’ll earn $25 in cash back on your grocery purchases — or $300 total for the year — before you hit the spending cap. That’s one of the best returns on groceries of any card around.

The drawback is that you’ll only earn 1% cash back on all other purchases. If you want a single card that you can use for all your everyday purchases, The Amex EveryDay® Preferred Credit Card from American Express is the better way to go.

Blue Cash Preferred^® Card from American Express

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Blue Cash Preferred^® Card from American Express

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on American Express's secure site

Rates & Fees

| Terms Apply

Blue Cash Preferred^® Card from American Express

Intro Purchase APR 0% on purchases for 12 months

Regular Purchase APR 19.24%-29.99% Variable

Annual Fee $0 intro annual fee for the first year, then $95.

Rewards Rate Earn 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.… Read More

Highlights

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 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.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

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

660 720 850

Good/Excellent

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Show Detailsfor Citi Double Cash Card

The Blue Cash Preferred^® Card from American Express offers a higher earning rate on U.S. supermarket purchases, simpler rewards and no requirement to use the card 30+ times a month.

Cardholders earn 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.

You can easily redeem rewards for statement credits. If you don’t want to deal with the complexity of transferring points and you want one of the most rewarding cards for everyday purchases, the Blue Cash Preferred^® Card from American Express is the better choice.

If you’re looking for an everyday card that can help you earn accelerated American Express Membership Rewards® points, then getting the Amex EveryDay® Preferred Credit Card from American Express could be a good move.

However, the Amex EveryDay® Preferred Credit Card from American Express isn’t the only card for high-earning everyday categories. For example, the Blue Cash Preferred^® Card from American Express charges an annual fee but gets you 6% on U.S. supermarkets versus only 3% with The Amex EveryDay® Preferred Credit Card from American Express.

Note that the Amex EveryDay® Preferred Credit Card from American Express charges fees when used overseas. If you want a versatile card to take abroad, check out our list of best no foreign transaction fee cards.