The Amex EveryDay® Credit Card from American Express

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

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* 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 $37
Penalty APR 29.49%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $37

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
Leon81
Instant approval for $4000
by Leon81
Helpful to 2960 out of 3180

CK had my odds of getting this card as "fair." I decided to apply anyway. My scores are as follows: EQ 680 EX 692 TU 686 CK 686. I have a few blemishes on my credit report:

 

Judgement-paid off in 2012

Car repo-2005

2 Collections-paid off in 2012

Inquiries-5

Defaulted student loans: all current as of 2012

 

I have the following active credit cards:

 

Fingerhut: $1300

Capital One Platinum Secured Card: $750

Merrick Bank Secured Card: $200

Walmart Card: $800

 

I went to the AMEX website to apply. I was able to search for prequalification deals on the website. The page says the prequalification search will not impact my credit report. After the search, I received a message that no deals were found. The AMEX application was pretty simple and straightforward. After hitting the “submit” button, I waited nervously to see if I’d be approved. This is the 1st “upper crust” credit card I’ve ever applied for and given my credit blemishes I was expecting the dreaded “we will send you a letter” response. To my surprise, I was instantly approved for $4000 after the 60 sec processing period! I hope this review helps others who don’t have perfect credit and are on the fence about applying for this card.

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
MattyBae
by MattyBae
Helpful to 482 out of 537

Applied with 669/669 and was not approved. Odds were "Very Good" hope this helps.


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 March 2016 through August 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.

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