The Amex EveryDay® Credit Card from American Express Reviews

This card is really great.  AMEX is good about increasing your credit limit if you are a responsible spender (never late on payments).  I used this card to really build my credit score.  10/10 Reccommend, but be careful as AMEX is not always accepted everywhere.

I like this card because of the amex benefits and points. They will also give 20% more points for the billing cycle if you use your card at least 20 times. They have also provided me generous credit which bumped my credit utilization down below 30%. The downside is you will have to wait a long time for your points to post, it is not available right away unlike my capital one credit card which reflects the cashback almost immediately. They also have introductory 0% APR for 15 months for when I applied, I do not know if that has changed. Overall, a great card.

Before I applied for this card I used this website and others to kind of figure out my approval odds. I thought since I got approved, I would share my experience and actually contribute to the forum, since it helped me.

Review: I saw a lot of people on here mentioning that they had high credit scores but got low CLs like $1,000. I was concerned about this befofe applying but applied anyway. Fortunately, I got a decent $9,400CL. If you are interested in this card but worried you will get a low, starter CL, there is a possibility they might give you decent, high one. My assumption is it probably all depends on how many other cards you have open and how high those CLs are. [I have other cards open with decent limits like this so maybe they took that into consideration.]

Their customer service is.... okay.. || I wanted to expedite the card and also get the card number; which is usually available after successful amex applications online. Unfortunately for me, after getting approved I was filling out information and the page timed out on me so it never reached the screen to give me the card number. [Note for persons applying online: If you intend on retrieving the card number after doing your application, do not spend time to fill out authorized users and/ or balance transfer information; skip those steps. After 3 minutes the page will timeout thus not even allowing you to get to the screen of retrieving your card information so you can begin making purchases online. You can always log into the account afterwards to add authorized users and other information.] || Called in to request for this information and they could not provide me with the card number nor assist in expediting the card. I have been able to get cards expedited upon request with other FI namely Chase, Discover and Capital One. So aside from not being able to assist in my request, I find their hold times annoying.. I'm never on hold with Chase, Discover or Capital One for very long... before even receiving the card I have had to make multiple calls to their cust. service and loathe it each time. Outside of the unnecessary wait times like I am calling a government institution, their employees are polite and friendly. Extremely polite and they have made me feel like a valued customer each time.

This is my 1st Amex card and I opened the account last week Friday so I can't really talk on the membership rewards program yet, but I'll update as time goes by if I think it is more than or just as valuable as Chase's UR.

Credit Scores: TU-752 EQ-746 EX-743

Credit Limit: $9,400

Bonus Offer: 25K MR points on $2k spend in 3 months, 0% APR for 15 months for purchases and balance transfers; balance transfer limit is $5k however.

4 years no late payment and no miss payment. But all I got was a reduction in y credit line which hurts my credit score, from 20,000 to 1000 credit limit. They don’t care about those thing all they care if the score on Experian. I went thought fraud and my score went down, but am fixing it right now but those guys from Amex just like to kick you when ur down even though you didn’t miss any payment. Everything is good until you have trouble. If this is the kind of card to like please apply for it and good luck