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

10K points
10K after $1K spend in 3 months. Terms apply.
Click Here to Apply

No 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.

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

1X
(1.55%)

Grocery

2X
(3.1%)

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 13.99% to 24.99% ⚬ $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 a new welcome bonus. 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 getting a welcome bonus 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. 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)

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The Platinum Card® from American Express for Schwab ➥More ⓘ $1203 1st Yr Value Estimate 100K points + 10x when you Shop Small in the US & at restaurants worldwide 100K after $6K spend in first 6 months plus 10x on eligible purchases when you Shop Small in the US and at restaurants worldwide on up to $25K in purchases in the first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. 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: None
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American Express® Gold Card ➥More ⓘ $1140 1st Yr Value Estimate 75K Points + up to $250 back 75K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees) $250 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: This is the best we've seen
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The Amex EveryDay® Preferred Credit Card from American Express ➥More ⓘ $123 1st Yr Value Estimate 15K Points 15K after $1K spend in 3 months. Terms apply. $95 Annual Fee Eligible US home furnishings stores include: Lowe's, The Home Depot, Bed Bath & Beyond, Anthropologie – Home & Furniture, CB2, Crate and Barrel, Crate and Kids, Terrain, and The Container Store 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: 30K after $2K in first 3 months
The Business Gold Rewards Card from American Express ➥More ⓘ $0 1st Yr Value Estimate This card is no longer available for new applications (Offer Expires 12/31/2099) No Annual Fee First Year, Then $175 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.
The Gold Card from American Express for Ameriprise Financial ➥More ⓘ $0 1st Yr Value Estimate This card is no longer available for new applications No Annual Fee First Year, Then $160 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.
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The Amex EveryDay Card (with 20 purchases per billing cycle) ➥More ⓘ $0 1st Yr Value Estimate No 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.
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The Platinum Card® from American Express for Ameriprise Financial ➥More ⓘ $-550 1st Yr Value Estimate This card is no longer available for new applications $550 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.