AMEX EVERYDAY
IN-DEPTH REVIEW 2019

Everything you need to know about Amex EveryDay.

8.5

Overview

Those looking for a great balance transfer card or a card with a flexible rewards program should consider the Amex EveryDay Card. You'll enjoy a generous 15-month period of 0% APR on balance transfers and purchases. Plus, you’ll have the opportunity to earn 10,000 rewards points in the first three months of having your card.  


In addition to the introductory offers, you'll also find that the rewards program provides a great value in the flexibility that it affords when it comes to redeeming your reward points. American Express is always easy to reach, so you never have to worry about having trouble getting in touch with someone if you ever have an issue with your account.  

 

Who Is This Card Suitable For?

Because of the great intro APR rate and the flexible rewards program, the Amex EveryDay Card has features that appeal to many different types of people. The card especially stands out for those looking for a balance transfer card to get rid of debt interest-free. 

 
Because there are never any balance transfer fees and 0% interest for the first 15 months on balance transfers, this card is great for anyone looking to consolidate and pay down debt. Most balance transfer cards don't offer a rewards program, so after the initial interest-free introductory period, there is little incentive to use them. The Amex EverDay Card, however, has a great rewards program. Even after the intro period, you can still benefit from using the card, even if you've accomplished your goal of paying down your debt.  


Features

Once you apply for the Amex EveryDay Card and get approved you'll be eligible for their welcome bonus. You can earn 10,000 Membership Rewards Points if you use the card to make $1,000 in qualifying purchases in the first three months of being a card member. This means you can be rewarded big just for using your card to make purchases that you would normally make. 

The Amex EveryDay Card also comes with a great intro offer of 0% APR for the first 15 months on both purchases and balance transfers. After the introductory period, the regular APR is a variable rate of 14.74%-25.74% depending on the market and your creditworthiness. There is never an annual fee for this card and you don't have to worry about a balance transfer fee even after the 15-month introductory period. There is, however, a 2.7% foreign transaction fee and if you make a late payment or one of your payments is returned, there is a fee of $39.  


What is the Intro APR?  
0% for 15 months on purchases and balance transfers 


What is the Regular APR?  
Variable 14.74-25.74%  


What is the Annual Fee?  
$0 


What is the required Credit Score?  
690 


 

Perks of the Card

If the great intro APR and 10,000 rewards points aren't enough to get you to sign up, the Amex EveryDay Card also comes with great perks that let you earn more rewards. Even after the first three months, you can earn additional points simply by using your card to make purchases.  


If you use your card 20 times or more in a billing period, American Express will give you 20% extra points in addition to those that you've already earned. Their rewards system lets you earn one Membership Rewards point for every dollar that you spend on qualifying purchases. If you use your card at US supermarkets, you're eligible to earn double the points on your spending (up to $6,000).  


The way that American Express allows you to use the points that you earn through its Membership Rewards Program is great because you have the flexibility to redeem the points that you earn the way that you want to. American Express partners with more than 500 leading brands so you have the ability to redeem your points for travel, gift cards, merchandise, or entertainment experiences.  


If you prefer, you can also use your points for eligible charges that you make with your Amex EveryDay Card in purchases categories like entertainment, dining, and retail. When you need to relax and unwind and get away for awhile, your Membership Rewards points can also be redeemed through American Express Travel. Use points for flights, hotel bookings, or even for booking a cruise.  
 

Customer Support

If you become an Amex EveryDay card holder, you can reach American express via phone 24/7 if you ever have any questions or concerns and need to speak with a customer service representative. Their website provides a list of numbers where you can reach a representative who can help with your specific needs faster so you don't have to sit through lengthy telephone prompts. 


The American Express website also has a help center with a multitude of resources if you enjoy troubleshooting or researching and want to work out your problem yourself. You can find information on various topics, including card replacements and logging in to your account.  


Additionally, there is a live chat feature on the website where you can reach a representative who will be happy to help you with any issues you might be having. If social media is your thing, there are links on the American Express website that will take you to the company's pages across various social media platforms. American Express usually responds to customer questions sent to their Facebook page through Facebook Messenger instantly. 

 

Bottom Line

The Amex EveryDay Card provides outstanding benefits for anyone looking for a balance transfer card that also has a rewards program. While using the card, you can earn rewards points that can be used towards purchases, gift cards, or even travel with no worry about paying interest charges during the first 15 billing periods.  

PROS
  • 2X points at US supermarkets
  • Fraud protection
CONS
  • Has foreign transaction fees
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Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.