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The Amex EveryDay® Credit Card is one of our favorite cards for beginners and is one of the best options you have to start with American Express Membership Rewards points.
Amex EveryDay® Credit Card Key Features
The Amex EveryDay Credit Card offers a relatively straightforward and easy to understand set of features and benefits, including:
- Receive 10,000 Membership Rewards Bonus Points when you spend $2,000 on your card in the first 6 months of card membership.
- Earn 2X Membership Rewards points for spending at US supermarkets- capped on up to $6,000 per year.
- Earn 2X Membership Rewards points for eligible purchases at Amextravel.com.
- Earn 1X Membership Rewards points for all other spending.
- Earn a 20% bonus on your earnings when you have 20 transactions per card billing cycle.
- The Amex EveryDay® Credit Card carries a $0 annual fee.
Generous Welcome Bonus
With no annual fee, the Amex EveryDay Credit Card carries a generous welcome bonus of 10,000 Membership Rewards Bonus Points when you spend $2,000 on your card in the first 6 months of card membership.
While the bonus is not enough for a transatlantic first-class award flight, it is still not to be sneezed at. Depending on how you use your bonus, you can still leverage your bonus for excellent value, especially if you can take advantage of a promotion or a redemption sweet spot with one of American Express Membership Rewards transfer partners.
Great Supermarket Earnings
If you regularly spend around $500 per month at US supermarkets, then the Amex EveryDay Credit Card is tailor-made for you. At a minimum, you will earn 12,000 points for your purchases. Once you go over the $6,000 threshold, you will only earn 1X for any additional spending.
While the 2X at supermarkets is not industry-leading, it is fantastic for a card that carries no annual fee. Sure, you can find other cards that earn you a higher multiplier at supermarkets, but then your annual fee will be substantial.
1X On Everything Else
Outside of supermarkets, you will earn 1X Membership Rewards per dollar for all other spending. While this is not the highest rate in the world, it is still reasonable when you consider the no annual fee of the card.
One thing to keep in mind as you will see next is that you can boost your earnings by 20%. This would effectively mean you are earning 1.2X Membership Rewards points per dollar, which is close to some of earning rates offered by other no-fee credit cards on the market today.
20% Boost To Your Earning Rates
Every billing cycle you conduct over 20 transactions, you will receive a 20% boost to your earning rates. This can be an outstanding value and significantly boost your annual earnings from your supermarket spending.
Spending at supermarkets with the bonus yields a rate of 2.4X points per dollar. If you maximize your annual supermarket earning every year ($6,000 of spending) at the improved rate, you will receive an impressive 14,400 Membership Rewards points. This is a fantastic return for spending at supermarkets for a card that carries no annual fee.
Who is the Amex EveryDay® Credit Card For?
There are two distinct types of people the Amex EveryDay Credit Card is aimed at.
- Credit card enthusiasts who have a gap in the card portfolio when it comes to earning at supermarkets. The card boosts their earnings while staying in the Membership Rewards ecosystem.
- Newcomers to the points and miles hobby who want to get started earn flexible points but want a simple entry-level card without too much commitment, especially in terms of expensive annual fees.
If you are invested in the American Express Membership Rewards system and regularly spend at supermarkets, this card can be a neat little earner for no annual fee. Whether the card is perfect for you will depend on your overall travel goals and strategies. Are you dedicated to Amex Membership rewards, or is your loyalty split with Chase Ultimate Rewards? If it is the latter, then maybe a card like the Chase Freedom Unlimited may be an option.
Either way, even if you are dipping your toe into flexible point currencies and travel Rewards, the Amex EveryDay Credit Card is an ideal starter option. With no commitment in terms of annual fee, a reasonably generous welcome bonus, and a good earning rate at US supermarkets.
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