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The Amex EveryDay® Credit Card is a great card that earns flexible travel rewards on grocery store purchases with no annual fee. You won't get points rich from this card, but its simple earning structure and introductory APR offer make an appealing card for the right consumer.
This card presents one of the easiest and least expensive ways to earn American Express Membership Reward points. Here's everything you should know about the Amex EveryDay.
- 2x points at US 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.
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Amex EveryDay Card Pros
- $0 annual fee.
- Lengthy introductory APR offer on purchases and balance transfers.
- Solid earnings at U.S. supermarkets.
- Earn 20% extra points when you use your card 20 times or more in a billing period.
Amex EveryDay Card Cons
- The only bonus earnings category is U.S. supermarkets.
- Charges foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
Amex EveryDay Card Welcome Offer
Applicants for the Amex EveryDay can earn 10,000 bonus Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months. By using this card for everyday purchases, this spending threshold should be easy to reach.
Related: All of the Cards That Earn American Express Membership Rewards Points
Amex EveryDay Card Benefits
0% introductory APR offer
The Amex EveryDay offers an introductory annual percentage rate (APR) of 0% on purchases for 15 months and 0% on balance transfers for 15 months. The balance transfer fee of $0 and the lengthy introductory APR periods could be a great way to help you finance a large purchase or pay down existing debt. After the introductory period, you'll have a Variable APR of 14.49% - 25.49%.
20% extra points
When you use your Amex EveryDay 20 or more times in a billing period, you'll earn 20% extra points on purchases, less any returns or credits. Things like balance transfers, interest charges, and cash advances do not count as eligible purchases.
Even after you've reached the limit of eligible U.S. grocery store purchases, this benefit still makes Amex EveryDay a valuable card for everyday spending.
Access to transfer partners
With Citi, you can't access the full list of airline and hotel transfer partners unless you have a credit card with an annual fee. Even worse, with Chase, you can't access any transfer partners without an annual fee-carrying card. Not so here. With the Amex EveryDay, you'll have access to all 21 Membership Rewards airline and hotel transfer partners. These include options like Hilton, Marriott, Air Canada, Delta, and more.
Related: These Credit Cards Earn Transferable Points With No Annual Fee
Amex EveryDay Card Earning Rates
The main way to earn with the Amex EveryDay is at U.S. supermarkets. You'll earn 2x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x). Plus, 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. You'll also earn 1x points on other purchases.
Redeeming Rewards From the Amex EveryDay Card
Membership Rewards earned with the Amex EveryDay can be redeemed as statement credits, gift cards, for travel through American Express Travel® or by transferring to travel partners. You also can pay with points at checkout at Amazon, PayPal, and more.
Redemptions for statement credits and paying with points will provide 1¢ per point in value or less. Compare that to the average value AwardWallet members get from Amex points: 1.96¢ per point. Achieving this value comes from transferring Membership Rewards points to partners. For example, transferring 10,000 points to an airline to redeem for a flight that costs $200 provides a redemption value of 2 cents per point. American Express' airline partners tend to provide better value than the hotel partners in most cases, though not always.
Application Restrictions
American Express is known for “once per lifetime” language in its credit card terms and conditions. Among other application rules and restrictions, this means you typically can receive the welcome bonus from any particular card just once per lifetime. Operating under the assumption that you can only get a welcome bonus once, it's important to apply for any Amex card when the welcome offer is higher than usual.
Additionally, Amex tends to limit you to holding five of its credit cards at a time. There aren't any published rules on how often you can apply for an Amex card. However, based on experience from readers, it seems you can apply for up to two Amex cards in a day. Amex does restrict credit card applications to two every 90 days.
Cards That Compete With the Amex EveryDay Card
- 3X points at U.S. supermarkets on up to $6,000 per year (then 1X)
- 2X points at U.S. gas stations
- 1 point per dollar on all other purchases
- Use your card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits.
(Terms apply)
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% 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.
- 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, plus, you'll earn unlimited 1% cash back on all other purchases
- 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.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
- If you want increased earning rates in exchange for an annual fee, look into the Amex EveryDay® Preferred Credit Card. You'll earn 2X points at U.S. gas stations and 3X points at U.S. supermarkets on up to $6,000 per year (then 1 point per dollar). Plus, use your card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. The card has a $95 annual fee and has access to many of the same cardholder benefits, including points transfer partners and redemption options. Learn more in our Amex EveryDay Preferred Card review.
- If you want cash back with similar earning rates and no annual fee, check out the Blue Cash Everyday® Card from American Express. This card has no annual fee and includes introductory interest offers on balance transfers and purchases (Rates & Fees). The Blue Cash Everyday provides bonus earnings at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, but there's no earnings accelerator after making 20 or 30 purchases in a month. However, you can enjoy statement credits for certain streaming and meal kit purchases. Our Blue Cash Everyday review has further details.
- If you want bonus earnings on groceries that you could turn into points later on, the Citi Custom Cash® Card has no annual fee and could be a good fit. 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. Earnings are issued as points, but you can't send these to Citi's transfer partners without a card that has an annual fee, but this card could make sense as part of a larger rewards strategy. Our Citi Custom Cash review can tell you more.
Related: The Best Credit Cards for Groceries and Supermarkets
Bottom Line
The Amex EveryDay is a no-annual-fee travel rewards card offering perks that you typically don't see on a rewards-earning card. This is what we'd call an anchor card — one that you get and hold on to for life. It costs nothing to hold in your wallet year after year, can elevate your everyday earning rate on those “other” purchases, and has access to points transfer partners in a market where many no-annual-fee cards don't.
This card also features an introductory APR offer for purchases and balance transfers, which can help you finance a large purchase or pay down credit card debt. This combination makes for a solid card with considering.
- 2x points at US 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.
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees)
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