The Amex EveryDay® Credit Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Terms and Conditions apply.
  • 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. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Credit Card from American Express
Annual Fee:
$0
Purchase Intro APR:
0%*
(12 Months)
Purchase Regular APR:
13.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0%*
(12 Months)
Balance Transfer Regular APR:
13.24% - 23.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.49%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.49%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $38

Rewards

Sign-Up Bonus

Earn 10,000 points after you spend $1,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Groceries

2 points per dollar

2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
MarthaGalvez
APPROVED 01 / 20 / 2016 AGAINST ALL ODDS
by MarthaGalvez
Helpful to 424 out of 441

Okay the reviews are SO mixed that I'm going to be as DETAILED as I can be to help you make your decision. I read reviews for about 4 hours last night prior to making the decision, and maybe 2 reviews out of like 25+ pages made me take the leap. First off, I was approved for $1k limit. Took 30 seconds of the wheel spin, followed by a page saying, "We couldn't come to an immediate decision for approval. We will mail a letter to the address submitted on your application with a decision within 7-14 business days." I had read that so many people got e-mails not long afterward with an approval. Exactly that happened to me. I applied at 11pm, and got the approval e-mail at 11:30pm. You find out what your limit is once you create an account through the link provided in the e-mail. I did see the option to request a credit line increase once signing in, but you have to wait to receive your card to request it since it asks for a 4-digit code on the card. The hard inquiry will only cost you two points (IT TOOK ME FOREVER TO FIND THIS IN A REVIEW), and they pull Experian (ALSO TOOK FOREVER TO FIND). I kept reading that their lowest Experian score accepted is 660, but keep in mind I read some as low as 620's being approved... however I might bring it up at to at least 650 prior to applying, just my suggestion. So far the inquiry only shows up on Experian as of this morning. I'm 25 years old, 3 open collections totaling about $2k. Credit Karma scores are TU 653 & EQ 657. MyFico scores that I pay for were as follows when I applied: Fico TU 622, Fico EXP 663, Fico EQ 631. I know, pretty low right (for Amex, anyway)? Luckily Experian is my highest, and I do also pay for Experian, which matched MyFico at 663. When applying, I was asked for the usual obvious information such as name, DOB & social, along with annual income (mine is $50k), job's company name (auto repair field) and phone number. Job information was optional, but I decided to fill it out. Also was given the option to fill out which accounts I held such as checking/savings and it gives you a range of amounts to select in regards to your balance/savings. I selected the lowest balance range option, so don't be afraid to be honest. 10 inquiries on Experian, 4 of those within the last year. I have one auto loan in good standing since opening, I'm 24 out of 48 months in on that, and it's a high interest loan. I have two school loans totaling $15k, currently in good standing for 10 months, and interestingly enough I have 120+ days late on both those accounts (that was 2 years ago). They were on a deferment for a year after being that late, and then I began paying 10 months ago and those payments have all been made on time. My current total utilizaton is right at 30%, and my cards are as follows: Capital One Quiksilver $2.2k, Capital One Platinum $2.3k, Sony Visa (partnered w/ CapOne) $2k, Credit One Bank Visa $750.00, Ramona Tires $1k, FingerHut Web Bank $900. All of those accounts began at $300-$500 within the last 14 months, so I'm fairly new to credit cards. I have never been late on any of those accounts, and have been granted multiple credit limit increases on most of those accounts. In August of 2014, I was at a verly low 511, and that was with a high interest car loan in good standing for a mere 6 months. I was one of those people within the last 15 months, and I have turned around my credit for the better. You don't HAVE to high super high income nor a flawless credit report, high credit limits on current cards, nor a particularly exceptional Experian score to be approved. Just be sure that you have your current accounts are at least a year old, and that they've all been in good standing for a minmum of a year. I'm officially an Amex member, and I'm beside myself. I'll update the credit limit increase request after I receive my card and give it a try request one online through my account. I'll post it as a reply on this review. Hope this helped!!!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
wrkuout2
False Advertisement
by wrkuout2
Helpful to 104 out of 109

I applied for this card because it CLEARLY states that it has a 0% APR  interest for the first 15 months on all BALANCE TRANSFERS and purchases.  I received the card in the mail with a letter to call for balance transfer.  I called to complete balance transfer and they told me this card is not eligible for that promotion at this time despite what it clearly states here on creditkarma and on AMEX's own website.  Very disappointed - it was the whole purpose that I applied for the card.  Customer Services stated they would start a dispute but it would take 6-8 weeks to get an answer back.   Really 6-8 weeks at this day and age.  Whatever!z


Our Take

The Amex EveryDay® Credit Card from American Express has plenty of rewards-earning potential.

What to Like

The Amex EveryDay® Credit Card from American Express is a great card for accumulating rewards on everyday purchases. Cardholders can get 2x points at U.S. supermarkets on up to $6,000 per year in purchases (then 1x), along with a one-time bonus of 10,000 points after spending $1,000 on eligible purchases in the first three months of membership. This card also offers a 0% introductory APR for 12 months on purchases and balance transfers.

Look Out For

This card has a high penalty APR that applies for at least six months after a late payment, so it’s important to stay on-time with your payments.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.