The Amex EveryDay Credit Card — Full Review [2023]

Great Card If

• You routinely make over 20 purchases on your cards each month
• You are looking for a solid Membership Rewards point earner and don’t heavily spend in any 1 category
• You want a card with no annual fee

Don’t Get If

• You are not a big traveler
• You don’t use your card for many transactions each billing period
• You don’t shop at supermarkets frequently

Amex EveryDay Card Points Categories and Annual Fee

Apply for this card and earn a welcome bonus (see above) if you spend a specific amount on purchases over the allotted time.

Then, for the first $6,000 you spend, you’ll earn 2x rewards points at U.S. supermarkets in the year. After that — and for all other purchases — you will earn 1x points.

The card comes at no annual fee.

Bottom Line:  The Amex EveryDay card earns 2x points at U.S. supermarkets (for the first $6,000) and 1x points for everything else.

Amex EveryDay Card Benefits — 20% Bonus

One great benefit of the Amex EveryDay card is the point bonus you can earn each month. For months where you make 20 or more transactions, your points get a bonus of 20% on top of your other points earned.

While there are a few restrictions, such as returns and fees, you will still find this makes for an effective reward point earning card. The 20% bonus makes the categories worth 1.2x and 2.4x per dollar.

Finally, you will have access to the American Express travel portal and the American Express transfer partners, which allows you to really maximize the value of the points you earn.

Other Benefits: Insurances and Services

While this is not an ultra-premium card, you will still have access to a few different insurances. These include car rental and travel accident insurance, along with purchase, return, and warranty insurance.

Additionally, you will have roadside assistance and Global Assist hotline for use in cases of travel emergencies.

While the hotlines are complimentary, any third-party services will still cost you money.

Best Way To Redeem Amex Membership Rewards Points

American Express Membership Rewards offers many options for redeeming your points. Here are a few of the different options, separated by category depending on how valuable they are.

Low-Value Redemptions

Typically coming in under 1 cent per point, you can use Amex Membership Rewards points for the following choices:

• Earn statement credit
• Purchase gift cards
• Shop directly with Amazon.com, BestBuy, or other current retail partners
• Purchase event tickets through Ticketmaster, Telecharge, or AXS
• Shop in the American Express mall
• Pay for hotels in the travel portal
• Pay for an Airbnb stay

Medium-Value Redemptions

These redemptions are usually worth 1 cent per point or slightly above:

• American Express gift cards (and some of their other gift card partners)
• Purchasing vouchers through certain companies, such as AMC Movie Theaters
• Donate to charities
• Pay for flights in the travel portal

High-Value Redemptions

The only option here (and our recommended usage) is to transfer points to the American Express transfer partners such as airlines and hotels.

By doing this, you will be able to squeeze 2 cents and above per point, with a minimum transfer of 1,000 points.

Some of the travel partners will be more valuable than others, and several of these partners have less than a 1:1 transfer ratio.

Also note that when you do transfer points, you will be charged a $0.0006 fee per point, up to a $99 maximum per transfer.

Best Way To Maximize Amex Membership Rewards Points

To utilize the Amex EveryDay card to its fullest, you should try to use it for as many of your transactions as possible. Here are some additional ways to ensure you earn the most Amex Membership Rewards points:

Tip #1:  If this is not your only card, then try to use it for all instances where you would make less than 1.2x points per dollar, making sure to reach the 20 transaction limit each month.

Tip #2:  You can earn 2x points in the Amex Travel portal if you have any travel to book, but be aware that you may not be offered the best deal (so you will need to check around).

You will also not be eligible for the 20% bonus on the extra 1 reward point you earn from the travel portal, although your standard 1x point earning will remain eligible.

Tip #3:  Check your Amex Offers at the bottom of your account summary screen frequently to see if you have additional points-earning deals.

You will often find 2x point deals on additional vendors that could last for months or even the rest of the year.

Alternative Cards to the Amex EveryDay Card

If you are a heavy spender in the U.S. supermarket category, you may max out your 2x point benefit before the year is up. While you will still have access to the 20% point bonus, this will affect your ability to earn.

Without any other bonus categories, the card can fall short of some of the other point-earning cards out there. For instance, the American Express® Gold Card earns points much more quickly.

We’ve also compared the Amex Everyday card to other popular cards:

• Amex Everyday card vs. Blue Cash Everyday® Card from American Express

One last drawback is that when factoring in the 20% bonus, it will not work for any bonus points you earn in the Amex Travel portal, which is unfortunate.

The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.