Amex EveryDay®

The Amex EveryDay® is built for people who want to earn Membership Rewards without paying an annual fee, especially if groceries are a regular part of their budget. It works best as a light everyday card for Amex points collectors, not as a go-to option for travel abroad or for maximizing every spending category.

Welcome Offer

10,000 Points

Annual Fee

Rec. Credit Score

Excellent

Good For

No-fee Amex points starter

How to Apply

All information about Amex EveryDay® has been collected independently by MaxRewards. Amex EveryDay® is no longer available through MaxRewards.

Is the Amex EveryDay® worth it?

This card is great for...

U.S. supermarket spending

Frequent small purchases

Membership Rewards beginners

This card is worth a look if your main goal is getting into the Membership Rewards ecosystem without an annual fee. The supermarket bonus is useful for everyday spending, and the 20% points boost after 20 or more purchases in a billing period can make the card more rewarding for people who use it often for routine transactions. If you already value Amex points for transfers or redemptions, that combination is the real reason to carry it.

For most readers, though, this is a modest earner rather than a card to build an entire wallet around. The base rate is only 1x on most purchases, the grocery bonus is capped, and the 2.7% foreign transaction fee makes it a poor travel companion outside the U.S. If you want simple cash back or stronger rewards across more categories, there are easier options. This card makes the most sense for someone who specifically wants no-fee access to Membership Rewards and expects to use the card regularly enough to trigger the purchase-based bonus.

MaxRewards Verdict

A solid entry point into Membership Rewards for cardholders who spend at U.S. supermarkets and make lots of everyday purchases. Its main limitation is that outside of groceries and the 20-purchase bonus, the rewards structure is fairly thin.

Welcome Offer

10,000 Points after you spend $2,000 on purchases on your new card in your first 6 months of card membership.

≈ $60–$200

What 10,000 Points could be worth, based on how you redeem

Transfer to airline/hotel partners
Most partners transfer 1:1
≈ $200
≈ 2¢ per point
Amex Travel - flights
$100
1¢ per point
Pay with points at checkout
$70
0.7¢ per point
Amex Travel - prepaid hotels / other
$70
0.7¢ per point
Gift cards
≈ $70
≈ 0.7¢ per point
Statement credit (cover charges)
$60
0.6¢ per point

Required Spend

$2,000

Time Frame

6 Months

Required Spend

$2,000

Time Frame

6 Months

What's your average monthly spend?

$400

You should easily hit the bonus threshold with this spend!

Rewards

Rewards percent based on a valuation of 1¢ per Membership Rewards point

The Amex EveryDay® earns Membership Rewards points, with the most value concentrated in supermarket spending and in the monthly bonus for frequent card use. Think of it as a steady points card for everyday purchases, not a high-powered category maximizer.

CategoryEst. yearly spendRateRewards

Grocery

Up to $6,000 spend per year

Est. yearly spend

Rate2%

Rewards

Everywhere

Est. yearly spend

Rate1%

Rewards

Est. Annual Rewards

Benefits

$0 / $250

There is no annual fee here, so the practical value comes less from recurring credits and more from whether the card's points earnings fit your spending. Any extra statement-value perks are secondary to the rewards structure.

Enrollment is required for select benefits

$250/yr

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app

Venue Collection

Autotracked

of $250Every 12 months

More Benefits

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.

Earn 20% Extra Points

Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases less returns and credits. Terms Apply.

Premium Car Rental Protection Enrollment Required

You can save on car rental coverage with Premium Car Rental Protection, exclusive to American Express Card Members. With Premium Car Rental Protection, you receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent a vehicle using your Enrolled Card. Enroll your eligible Card today in Premium Car Rental Protection. Enjoy the flexibility of two different car rental insurance plans. Terms apply.

Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Rates & Fees

Annual Fee

Purchase APR

17.74% - 28.74%

Variable

Transfer APR

17.74% - 28.74%

Variable

Cash Advance APR

29.99%

Variable

Foreign Transaction Fee

$0.027

Balance Transfer

Cash Advance

$10

Late Payment

$40

Return Payment

$40

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Worth $3,000

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2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
1%Other Eligible Purchases

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Rec. Credit

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You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

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4%Top Two Eligible Categories
3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
1%Everywhere

Annual Fee

$375

Rec. Credit

Good

See Details How to Apply

Terms apply.

See rates & fees.

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You may be eligible for as high as 175,000 Membership Rewards® Points

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