The American Express Everyday Card is an enigma in the points and miles world. It’s the only no-annual fee personal card that can transfer points to travel partners.
The Everyday card was originally targeted towards “busy moms”. But many people can benefit from this card. Those who use a credit card for everything and have moderate grocery store expenditures will like its earning structure. It’s also Amex’s only card with a balance transfer offer as part of its sign-up bonus. That makes it great for those who want to finance a large purchase or transfer a balance.
This card is a regular credit card; meaning that you have the option to keep a balance. Even though you earn Membership Rewards (MR) points, the Everyday Card is in a different family than Amex’s charge cards.
The Everyday Card has a unique earning structure. It earns 2x MR points per dollar at grocery stores and 1x on everything else. The 2x bonus only applies for the first $6,000 spent per year. If you use your card at least 20 times per month, you will receive a 20% points bonus. With a little work, you can earn 2.4x points at grocery stores and 1.2x points on everything else.
This card has no-annual fee and a public sign-up bonus of 10,000 MR points. It can be earned after spending just $1,000 in the first 3 months. The bonus has been as high as 25,000 points in the past.
The Everyday Card is also great for balance transfers. You will have a 0% interest rate on purchases and balance transfers for the first 15 months. Paying your card in full is encouraged, but the 0% interest rate could help you carry a balance for free. Larger purchases can be paid off with no interest in this way.
Earning points is fantastic, but points earned are useless if you cannot redeem them for anything of value. Amex has multiple options for redemption:
American Express’ 21 transfer partners are this card’s most valuable redemption option. It’s also the only personal no-annual fee card that lets you redeem points in this way. Amex transfers points at a 1 MR to 1 partner currency ratio unless otherwise noted.
- Choice Privileges
- Hilton (1 MR = 2 Hilton Honors Points)
- Aer Lingus
- Aero Mexico (5 MR = 8 Premier Points)
- Air Canada
- Air France / KLM Flying Blue
- Air Italia Millemiglia
- Asia Miles
- Avianca Lifemiles
- British Airways
- Delta Airlines
- El Al Israel Airlines (50 MR = 1 Matmid Point)
- Etihad Guest
- Hawaiian Airlines
- JetBlue (5 MR = 4 TrueBlue Points)
- Nippon Airways
- Singapore Airlines
- Virgin Atlantic
Your mileage may vary for each partner. But for most partners, you should be able to easily redeem your points for at least 1.5 cents per point (CPP).
The Amex Everyday Card is special because it lets you keep your MR points for no annual fee. If you also have an MR-earning card with an annual fee, you won’t lose your points if you decide to cancel it. Some people have the Everyday card just for this reason.
Gift cards, merchandise, and statement credits are not recommended. You will earn less than 1 CPP using these options. If cash back or gift cards are what you want, this card is probably not for you.
Don’t confuse this card with the Amex Blue Cash Everyday (BCE) Card. The BCE earns cash back and not points on similar purchases. If cash back is more desirable than points, this card might be a better option.
Unlike its bigger “siblings”, the Amex Everyday Card is not known for its perks. However, you still receive standard Amex benefits for being a card-member.
If you’re unhappy with a purchase, the Return Protection benefit helps you get your money back. American Express is the best in the credit card industry in helping cardholders with returns.
Rules & Regulations
This card is subject to Amex’s Once Per Lifetime Rule, which states that you can only receive a sign-up bonus on any card once ever. In this case, I would not apply until you see the 25,000-point sign-up bonus.
If the Amex Everyday Card is not right for you, try one of these alternatives:
This card is the Everyday card’s bigger “sibling”. It earns 3x MR points at Grocery Stores and 2x points at Gas Stations. If you use your card at least 30 times per month, you will receive a larger 50% points bonus. With enough use, you can earn 4.5x points at Grocery Stores, 3x at Gas Stations, and 1.5x on everything else.
This card has a $95 annual fee and a public sign-up bonus of 15,000 MR points. It can be earned after spending just $1,000 in the first 3 months. The bonus has been as high as 30,000 points in the past.
American Express Blue Cash Everyday
This no-annual fee card earns cash back and not points. You get 3% back at Grocery Stores, 2% at Gas Stations, and 2% at Department Stores. There are no travel partners or flexibility in redemption options with this card. You must redeem your cash back as a statement credit.
If cash back is more to your liking than points, this card might be a better option.
I recommend the Amex Everyday Card for those who want to earn and redeem MR points for no annual fee. This card is the only personal Amex card that lets you transfer points to travel partners for no annual fee.
It is also a free way to keep your MR points balance if you decide to cancel a more premium Amex card.