The Amex EveryDay Credit Card from American Express

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Card Details and Application Link
The Amex EveryDay® Credit Card from American Express

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Card Type: Amex Credit Card

Base
Grocery

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.24% to 24.24% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

Overview

The Amex EveryDay Credit Card from American Express is a solid choice for those who want a card that earns transferable points and has no annual fee.

The card earns 2 points per dollar at US supermarkets, on up to $6,000 per year in purchases (then 1x); and 1 point per dollar on all other eligible purchases

You can do better, though. When you use the card 20 or more times in a billing period, you get 20% more points. In other words, in every billing period in which you use the card 20 or more times, you earn the following points per dollar:

  • 2.4 points per dollar at U.S. supermarkets, up to $6K spend per year (then the rate drops to 1.2X)
  • 1.2X points per dollar on all other eligible purchases.

Those earning rates are very good for a no-fee card that gives you the ability to transfer points to frequent flyer programs. However, you can do much better with cards that have fees, such as The Amex EveryDay Preferred Credit Card from American Express. Depending upon how much you spend annually, the value of extra points earned with a card that has a fee can easily make up for that annual fee.

Membership Rewards points earned with this card are transferable to many airline programs and can be pooled with points earned on other Membership Rewards cards such as Platinum, Gold, and Green cards. One particularly good use is to pool points with the Business Platinum Card so that you can use points to buy airfare at a value of 1.5 cents per point.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus offer. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

Card Offer
The Platinum Card® from American Express
150K points
150K after $6K spend in 6 months. Terms apply.

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Resy Offer: 125K after $6K spend in 6 months plus 10x dining for 6 months on up to $25K spend. Terms apply.

Recent better offer: 125K after $6K in the first 6 months + 15x when you Shop Small in the US and at restaurants worldwide on up to $25K in eligible purchases in the first 6 months [Expired 1/20/22]

The Business Platinum Card® from American Express
120K points
120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Alternate offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.

Recent better offer: 150K after $20K Spend (Targeted)

The Platinum Card® from American Express Exclusively for Morgan Stanley
100K points
100K after $6K spend in first 6 months. Terms apply. (Rates & Fees)

$695 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]

American Express® Gold Card
90K points
90K points after $4K in purchases in the first 6 months. Terms apply. (Rates & Fees)

$250 Annual Fee

American Express® Green Card
50K Points + up to $150 back
50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. See Rates & Fees

$150 Annual Fee

American Express® Business Gold Card
70K Points
70K points after $10K spend in 3 months. Terms apply. (Rates & Fees)

$295 Annual Fee

Alternate offer: Some are targeted for an offer of 130K points after $10K in purchases in the first 3 months. You can see this post for more details Targeted Business Gold offer for 130K (Highly YMMV)

Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]

The Blue Business® Plus Credit Card from American Express
15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)

No Annual Fee

Alternate offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

The Amex EveryDay® Preferred Credit Card from American Express
15K Points
15K after $1K spend in 3 months. Terms apply.

$95 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Alternate offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.

Recent better offer: 30K after $2K in first 3 months

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Frank

Hi Greg, I have the AMEX Gold card but don’t want to pay the $250 every year. The only benefits I get are the $100 airline credit and perhaps 1% more on groceries/restaurants. I will not likely ever use the monthly $10 dining credits as I don’t use those restaurants or services. .
I have a lot of MR points and you say above that the The Amex EveryDay Credit Card with zero fee is good for preserving points, but I assume it cannot transfer points to airlines/hotels. Is that so?
What else could I do to preserve my points AND be able to transfer?

My wife has a Platinum card and I am an AU on it – and that allows me to transfer her points to my airline/hotel accounts I believe, but what about my own MR points?

Advice would be welcome. Thanks.

Frank

Thanks for confirming …

Aby

When I click on the link above it says “SAMANTHA has referred you for the Amex EveryDay® Credit Card. Your friend will receive a referral bonus if you are approved.”

However the bonus is only 15000 Membership points and not 25000 as mentioned in the post.

Nick Reyes

Checking into this right now. It showed 25K / 30K when I tested it. Will report back.

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