Last updated: 5/3/2021

American Express Everyday

Earns: American Express Membership Rewards

GigaTake:

A decent but underwhelming card. It has no annual fee, but only gives you extra points for grocery spending (2x), tacking on another 20% overall if you use the card at least 20 times a month. The Membership Rewards points it earns are among the more flexible and valuable around.

This card is best for:

  • Groceries

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} American Express Membership Rewards
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • 2 points per dollar spent on groceries is better than average.
  • No annual fee.
  • If you use the card more than 20 times a month, rewards are boosted 20%.

Cons

  • 1x on non-grocery spending is underwhelming.

See how the American Express Everyday compares to other credit cards

American Express Everyday Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.7 cents per point
Effective Value = 3.4 %

0%
7%

Reward Rate = 1x

Value = 1.7 cents per point
Effective Value = 1.7 %

0%
3%

Welcome Bonus = 10,000

Value = 1.7 cents per point
Effective Value = $170

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
10,000

OK

Bonus Rating

Points

After you spend $1,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x U.S. Supermarkets (first $6,000 in purchases each year)

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

Very Good

very good

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
American Express Membership Rewards
Gigapoints Value
1.7¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Earn 20% more points

Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases less returns and credits.

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
INTRO APR FOR BALANCE TRANSFERS 0% for 15 months
PURCHASES APR 12.99% to 23.99%
BALANCE TRANSFER APR 12.99% to 23.99%
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $39
FOREIGN TRANSACTION FEE 2.7%