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. According to the New York Times, 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 spend 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.
The Everyday Card card is a 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 just one on everything else. The 2x bonus only applies for the first $6,000 spent per year. Furthermore, you will receive a 20% points bonus if you can use your card at least 20 times per month. That means you can earn 2.4x points at grocery stores and 1.2x points on non-bonus spend with enough purchases.
This card has no-annual fee and a public sign-up bonus worth 10,000 MR points. It can be earned after spending just $1,000 in the first 3 months. There is a targeted bonus worth 25,000 points that can be earned by spending $2,000.
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’ transfer partners are this card’s most valuable redemption option. 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
- Aeromexico (5 MR = 8 Premier Points)
- Air Canada
- 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)
- KLM Flying Blue / Air France
- 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.
The Everyday card is not known for its perks because it comes with none. Return Protection is the only remaining significant perk and it will be discontinued on January 1, 2020.
If the American Express Everyday Card is not right for you, try one of these alternatives:
American Express Everyday Preferred
The Amex Everyday Preferred Card is the Everyday card’s bigger “sibling”. It earns 3x MR points at Grocery Stores and 2x points at Gas Stations. Furthermore, you will receive a larger 50% points bonus if you use it at least 30 times per month. That means you can earn 4.5x points at Grocery Stores, 3x at Gas Stations, and 1.5x on everything else with enough swipes.
This card has a $95 annual fee (NOT waived the first year) and a public sign-up bonus worth 15,000 MR points. The bonus can be earned after spending just $1,000 in the first 3 months.
For those who can easily use their card at least 30 times per month, the Everyday Preferred is the better card. Those who have sizable grocery store and gas bills will also come out ahead. But lighter spenders and those who won’t use the card at least 30 times per month will do better with the regular Everyday Card.
American Express Blue Cash Everyday
Don’t confuse the Everyday Card with the American Express Blue Cash Everyday (BCE). The BCE earns cash back (not points) on similar purchases. This card might be a better option if cash back is more desirable than MR 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.
Citi Rewards +
The Citi Rewards + is a nice competitor to the Everyday Card. It earns 2x Thank You (TY) points at the Gas Station and at the Grocery Store. Citi also rounds up the amount of points earned to the nearest 10 for all purchases. This is fantastic for small purchases. For example, if you spend $1 at a convenience store, you will receive 10 points.
The Rewards + comes with a sign-up bonus worth 15,000 points. That bonus can be earned after spending $1,000 in the first three months.
The American Express Everyday Card is a nice option for those who have moderate grocery bills and won’t use their card more than 30 times per month. I also recommend it for those who want to earn, keep, and redeem MR points for no annual fee. After all, its the only personal Amex card that lets you transfer points to travel partners for no annual fee.
Apply Today: American Express Everyday