American Express EveryDay Cards - basic and Preferred versions

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good credit
intro purchase APR 0% for 15 monthsregular APR12.99 - 21.99% (V)
intro BT APR 0% for 15 months 12.99-21.99%
rewards 1 2 3 points per $1 +20% or 50% monthly

basic card:

  • get 2x points at US supermarkets with a $6,000 limit in purchases annually (then 1x)
  • earn 20% bonus on your points if you use a card at least 20 times a month

Preferred card:

  • get 3x points at US supermarkets with a $6,000 limit in purchases annually (then 1x)
  • 2x points at US gas stations
  • earn 50% bonus on your points if you use a card at least 30 times a month
1 point per $1 on all other purchases for both card versions

no annual fee for basic card

$95 annual fee for Preferred card

up to 2.2-4.5x points on every dollar

10,000-15,000 intro bonus

free Amazon Prime membership

Editors Review

Pros

  • for EveryDay card: No annual fee for the card and no annual fees for additional cards
  • 2x bonus points on Supermarket (or 3x points for Preferred card) purchases with a $6000 annual purchase limit
  • 2x bonus on gas purchases on Preferred card
  • 1% on regular purchases
  • Sign-up bonus of 10,000 points (15,000 points for Preferred card) and free annual Amazon Prime after $1000 in purchases in the first three month
  • 20% more points if you spend card almost every day (20 times a month), 50% more purchases for Preferred card if you use the card 30 times a month
  • 0% intro APR for the first 15 month of the account 
  • EMV chip on the card for better security

Cons

  • 2.7% international transaction fee
  • EveryDay Preferred card: $95 annual fee

Verdict

American Express cards are no more representing luxury or upscale spending, and it is going further to mainstream with its Everyday card line. New cards come in two versions: Every Day and Every Day Preferred.

Both Every Day and Every Day Preferred allow you to earn full Membership Rewards points  from AmEx that are different from Express points that you get with an AmEx Blue Cash cards. Full Membership Rewards points can be transferred to over 20 partner frequent flyer programs with a value of up to 2 cents each, when Express points can be only redeemed for cash at a rate of 1 cent.

If you prefer simple and transparent cashback program, you can look at AmEx Blue Cash Preferred with an exciting 6% back on groceries. 

Last updated: 12/20/2015




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