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Amex Everyday Credit Card

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welcome offer

Earn 10,000 points after spending $2,000 within the first 6 months (terms apply). Intro 0 % APR for 15 months on purchases and balance transfers (after that 15.99% to 26.99% variable).

Bonus Value

Approximately $100 - $130

Annual Fee

$0

Card Rewards

2 points at US supermarkets

1 point everywhere else

Use your card 20 or more times on purchases in a billing period and earn 20% extra points on all purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Amex Everyday Credit Card is exactly that- a great everyday card. Cardmembers earn 2 points for every dollar spent on groceries! Once you use your card 20 or more times you earn 20% extra points on those purchases. You get rewards for the things you would spend on in any case.

Card-Smart Tips & Advice
  • Credit: Fair credit is ok
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards.
  • Max cards: You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
  • Apply for two cards: If you apply for one Amex card and get approved, it is recommended to apply for a second card since Amex is very good about approving for two cards, even within the same day
  • Credit bureau: Amex will usually pull your Experian credit report
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • Check application status: You can check your application status  here  or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Approval Monitor (submitted by HelpMeBuildCredit users)

89% Approved
750 Avg. Score of those approved
11% Denied
Approved 89% (25)
Denied 11% (3)

Credit limit range $1,000-$25,000

Avg. Credit limit$7,516

Approved 89% (25)
Denied 11% (3)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • Balance transfer Fee: Intro fee for 3% or $5, whichever is greater
  • Balance transfers must be completed within 60 days of account opening
Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application. 
Card Details And Benefits
Rewards

– 2 points at US supermarkets
– 1 point everywhere else
– Use your card 20 or more times on purchases in a billing period and earn 20% extra points on all purchases

Foreign Transaction Fee

2.7%

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $50,000. You can purchase an Amex premium plan that will offer primary coverage up to 42 days. Max $100,000.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.

Additional Resources

*No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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