This card is currently not available to new applicants
The Amex Everyday card is the no annual fee, wallflower sibling to the more interesting Everyday Preferred card. The card earns 2x at grocery stores and, like the Everyday Preferred, awards additional bonus points based on reaching a baseline number of transactions during a statement cycle. In this case, reaching 20 purchases gets you a 20% bonus, raising the earning to a *whopping* 2.4x at grocery and 1.2x everywhere else. Also like the Everyday Preferred, the supermarket multiplier is limited to a measly $6k/calendar year.
Amex Everyday Current Welcome Offer
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This card is no longer available for new applications ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer This card is not currently available for new applicants. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Amex Everyday Credit Card Review
There’s little reason to put any spend on the Everyday card, or mess around with the monthly transaction minimums for the 20% points bonus. It just isn’t rewarding enough. That said, this unremarkable piece of plastic can be useful, primarily as a downgrade path from the Everyday Preferred card and/or as a no annual fee backstop to keep your Membership Rewards points active. Outside of that, there isn’t much to see here.
- Annual Fee: $0
- Authorized User Annual Fee: $0
- Foreign Transaction Fee: Yes
- What points are worth: The Amex Everyday earns Membership Rewards points. Our current Reasonable Redemption Values pegs them at 1.55 cents each.
- Best Use for Points: Membership Rewards can be transferred to travel partners at a 1:1 ratio and this will almost always yield the most value. There’s three hotel partners (Choice, Hilton, Marriott), but the transfer ratio makes them unappealing most of the time. On the other hand, airline partners are excellent and include Air Canada Aeroplan, Air France/KLM Flying Blue, ANA Mileage Club and Avianca LifeMiles.
- Earning Categories:
- 2X – US supermarkets (Up to $6,000 spend per calendar year)
- 1x – everywhere else
If you make 20 or more purchases in a billing period you will get a 20% bonus on points, less returns and credits. This turns the card’s earnings into:
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- 2.4x – US supermarkets
- 1.2x – everywhere else
- Travel Protections:
- Auto Rental Coverage: Secondary auto rental CDW (collision damage waiver). Provides reimbursement for theft and collision damage for rental cars in the U.S. and abroad.
- Who’s this card for? Those who want a no annual fee consumer card option to keep Membership Rewards alive (although we’d recommend the Blue Business Plus instead).
- Is the Amex Everyday a keeper? Once you’ve received the welcome offer, there’s not much reason to jump through the monthly transaction hoops for what would become a 2.4x grocery card. The Everyday’s primary utility is to function as a no-annual fee backstop card that keeps Membership Rewards alive and transferable to partners. The Everyday also consistently receives upgrade offers to the Everyday Preferred that are fairly similar to the original welcome bonus. For some, this could make it worth upgrading in order to get a bonus and maximize that card’s superior earnings on gas and grocery.
Amex Everyday Pros and Cons
Pros
- Unusually for a no annual fee card, it keeps Membership Rewards points alive and transferable to partners
- Often receives decent upgrade offers to the the Amex Everyday Preferred card
- Membership Rewards has great airline partners
- Often has a period of low or 0% APR on purchases and transfers as part of the welcome offer
Cons
- Welcome offer is rarely anything to get excited about
- Outside of targeted Amex offers, there’s little reason to put any spend on the card
- Having to maintain 20 monthly purchases isn’t worth the 20% points bonus
- 2x/2.4x at supermarkets is limited to only $6K/calendar year
American Express Transfer Partners
American Express Application Tips
- Safe to Apply: Amex is usually the safest bank for trying your luck at earning a new welcome offer. Most of the time, they won’t issue a hard pull when denying your application or when approving you if you already have at least one Amex card. Plus, they’ll warn you during the application process if you’re not eligible for the bonus.
- Once in a Lifetime Rule: If you've ever had a card before, you are most likely prohibited from earning a welcome offer for that same 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 5-7 years. Note that there are frequently offers with no lifetime language (NLL) that aren't bound by this restriction.
- "Family" Rules: In addition to the "once in a lifetime" rule, Amex now applies additional "family" rules to several groups of consumer cards. These rules don't apply to business cards.
- Platinum/Gold/Green: You may not be able to get a welcome offer on the Green, Gold, Platinum, Charles Schwab Platinum or Morgan Stanley Platinum if you've previously had any of the Platinum cards previously.
- Cash back cards: You may not be able to get a welcome offer on the Blue Cash Everyday card if you've previously had the Cash Magnet, Blue Cash Preferred or Morgan Stanley Blue Cash Preferred cards. You're not eligible for a welcome offer on the Blue Cash Preferred card if you've previously had the Morgan Stanley Blue Cash Preferred card.
- Delta cards: You can get a welcome offer on any of the Delta cards provided you've never had a more expensive Delta card than the one you are applying for. So, for example, you're eligible for a welcome offer on the Delta Reserve if you've had the Delta Gold, but you may not be eligible for a welcome offer on the Delta Gold if you've previously had the Reserve.
- 1 per 5 days: You can get at most one credit cards within every 5 days. This rule does not apply to Pay Over Time (charge) cards.
- 2 per 90 days: You can get at most two credit cards within 90 days. This rule usually does not apply to Pay Over Time (charge) cards.
- 1 of same product per 90 days: Amex will only approve you for the same card once every 90 days; this primarily comes into play when applying for "no-lifetime-language" (NLL) links.
- It seems that Amex considers the Marriott Bevy and Brilliant cards as the same product, which means that you would have to wait 90 days after applying for the Bevy before being able to be approved for the Brilliant.
- Marriott cards: Approval for any Marriott card is governed by a labyrinthine set of unintuitive rules. You can see the full eligibility chart here.
- Card Limits: Amex normally only allows customers to have five credit cards and ten Pay Over Time (charge) cards at one time. Both personal and business cards count towards the respective five and ten card limits. There are some instances where certain customers have been allowed to go above those limits.
- Application Status: Call (877) 239-3491 to check your application status or use this link.
- Reconsideration: If denied, you can call (800) 567-1083 and ask for your application to be reconsidered.
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I have AMEX premium car rental protection linked to this card. Otherwise I do not spend on the car.
When I got an AmexOffers with some juicy cashback or bonus points, sometimes I take this one out of sockdrawer.
Last year was less bountiful. I didn’t hit $100 savings on this account.
Yep, that’s a good point.