Amex EveryDay credit card review: The best way to earn Amex points if you don't want to pay an annual fee

This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on this page are from our partners, like Citi and American Express, but our coverage is always independent.

Amex EveryDay® Credit Card from American Express

American Express Amex EveryDay® Credit Card from American ExpressAmerican Express Amex EveryDay® Credit Card from American Express

Annual Fee
Regular APR
Credit Score
  • A five pointed star
  • A five pointed star
  • A five pointed star
  • A five pointed star
  • 4.25 out of 5 Stars
    Editor's Rating

    Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $0

    Regular APR

    12.99% to 23.99%

    Credit Score

    N/AA five pointed star

  • A five pointed star
  • A five pointed star
  • A five pointed star
  • A five pointed star
  • 4.25 out of 5 Stars
    Editor's Rating
    Featured Reward

    Earn 10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.

    Intro APR

    0% intro APR on purchases and balance transfers for 15 months from the date of account openingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Details
  • Pros & Cons
    • The information related to the Amex EveryDay® Credit Card from American Express has been collected by Business Insider and has not been reviewed by the issuer.
    • 2X points at U.S. supermarkets, on up to $6K in purchases
    • 1X points on your other purchases
    • Membership Rewards® Pay with Points
    • 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 12.99% to 23.99%
    Pros
    • 20% points bonus when you make at least 20 purchases in a billing period
    • No annual fee
    • Access to Amex Offers
    Cons
    • Limited bonus categories

    Amex EveryDay costs and fees

    The Amex EveryDay® Credit Card from American Express has very few fees, and most of them can be avoided by being diligent with your financial habits. It comes with a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening and then converts to a variable APR of 12.99% to 23.99%.

    If you do a cash advance, it comes with a fee of $10 or 5% of the amount of each cash advance, whichever is greater. The APR on cash advances varies with the prime rate and is currently 25.24%.

    Late and returned payments charge a fee of $40 each. If you use the Amex EveryDay card outside the United States, it comes with a foreign transaction fee of 2.7%. Instead use one of the many great cards with no foreign transaction fees.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective.

    Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

    For rates and fees of the American Express® Gold Card, please click here.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Source: Read Full Article