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The Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers outsized rewards for people who will use this card for daily spending. But its annual fee can be a deal-breaker, especially if you can’t maximize the 50% extra points benefit.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.


Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 50+ cards analyzed.
  • 8 data points considered.
  • 5-step fact-checking process.

Amex EveryDay Preferred Credit Card basics

  • Annual fee: $95.
  • Welcome bonus: 15,000 Membership Rewards points after spending $2,000 in purchases in the first six months of card membership.
  • Rewards: 3 points per $1 at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point), 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com and 1 point per $1 on other eligible purchases.
  • APR: 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.
  • Other perks and benefits: Secondary car rental loss and damage insurance¹, return protection² on the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
  • Does the issuer offer a preapproval tool? Yes.
  • Recommended credit score: Good to excellent credit.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

About the Amex EveryDay Preferred Credit Card

The Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a unique approach to earning Membership Rewards® points. In addition to providing a generous rewards rate on everyday purchases at U.S. supermarkets and U.S. gas stations, it also offers the chance to earn extra points when you use your card 30 or more times on purchases in a billing period. 

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

With that benefit, you can effectively earn 50% extra points on top of the current rewards: 3 points per $1 at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point), 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com and 1 point per $1 on other eligible purchases. 

When it comes to redeeming those rewards, you can get up to 1 cent per point when booking travel with American Express, or you can transfer your rewards to one of the card issuer’s airline or hotel partners and potentially get more value. 

That versatility could make the card more attractive than other everyday credit cards, but you’ll need to consistently earn the 50% extra points benefit to make the card worth it due to the annual fee. If you don’t use your card often enough or you like to spread your spending across multiple cards to maximize their rewards and benefits, then maybe this card won’t be a good fit.

What’s more, the card’s $95 annual fee makes it even more complicated to determine how much value your points are worth. Unfortunately, the card doesn’t offer notable benefits you can use to make up for that fee. 

If you’re looking for a more straightforward approach to rewards or you don’t want to be forced to use your card a certain number of times each month to maximize its value, this card is not the best choice. But if you want just one credit card to use for your everyday spending and you’re savvy enough to maximize the value of the card’s Membership Rewards points through transfer partners, it could be worth your while.

Pros

  • Extra points for frequent use: When you use the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. 30 or more times on purchases in a billing period, you’ll earn 50% extra points on those purchases.
  • Flexible rewards program: American Express offers several redemption options for Membership Rewards points, including transfers to a variety of airline and hotel loyalty programs. Transferable points aren’t a novelty, but they’re generally only available on travel rewards credit cards.
  • Apply with confidence: American Express allows people to apply for the card and see if they’re approved without an impact on their credit score. The “apply with confidence” feature goes beyond traditional preapproval tools, which can give you an idea of whether you have good approval odds but don’t guarantee that you qualify. Keep in mind, though, that you’ll still undergo a hard credit check if you accept the card.
  • Intro APR offer: Save on interest charges with a 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

Cons

  • Annual fee: You’ll have to earn enough back in rewards to make it worth the card’s $95 annual fee.
  • Low welcome offer: The card’s welcome offer is low, even compared to cash-back credit cards that don’t charge an annual fee. Among other cards that charge a comparable annual fee, you can expect to earn a bonus worth four or five times more.
  • No meaningful benefits: Even with the 50% extra points benefit, you may be able to get more value with another everyday credit card, primarily due to the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. ‘s annual fee. Since the card doesn’t offer any notable extras, the yearly charge eats directly into the value you get from your rewards.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

Amex EveryDay Preferred Credit Card rewards

When you open the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , you’ll earn 15,000 Membership Rewards points after spending $2,000 in purchases in the first six months of card membership.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

You’ll also earn:

  • 3 points per $1 at U.S. supermarkets on up to $6,000 per year in purchases (then 1 point).
  • 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com.
  • 1 point per $1 on other eligible purchases.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has around $25,087 in annual expenses that can be charged to a credit card. Here’s how our sample household’s rewards could break down, assuming the 50% extra points benefit requirements are met on the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. :

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

SPENDING CATEGORYSPENDING AMOUNTPOINTS PER DOLLARPOINTS EARNED
U.S. supermarkets
$3,459
4.5 points
15,566 points
U.S. gas stations
$2,228
3 points
6,684 points
Prepaid travel booked via Amextravel.com (not included in the 50% extra points benefit)
$2,941
2 points
5,882 points
Other
$16,459
1.5 points
24,689 points
TOTAL
$25,087
52,821 points

Depending on how you use your points, you can get up to 1 cent per point in value through American Express. Here’s what it might look like based on the earning potential of 52,8210 rewards points per year:

REDEMPTION OPTIONVALUE PER POINTDOLLAR VALUE
Flights and flight upgrades
1 cent
$528.21
Other travel
0.7 cents
$369.75
Gift cards
0.5 – 1 cents
$264.11 – $528.210
Pay with points with select online merchants
0.7 cents
$369.75
Statement credits
0.6 cents
$316.93
Merchandise
0.5 cents
$264.11

Alternatively, you can transfer your points to one of Amex’s several airline and hotel loyalty partner programs. Redemption values can vary depending on the partner and the details of your booking. That said, you may be able to get more than 1 cent per point through these transfers. 

Keep in mind that there is an excise tax offset fee of $0.0006 per point if you opt to transfer points to an airline loyalty program, up to a maximum of $99. You can use points to cover this fee at a rate of 0.5 cents per point.

Amex EveryDay Preferred Credit Card APR

The Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

How the Amex EveryDay Preferred Credit Card compares to other everyday cards 

Amex EveryDay Preferred Credit Card vs. Blue Cash Preferred® Card from American Express

If you like the rewards structure on the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. but find the usage requirements to get the points boost daunting, consider the Blue Cash Preferred® Card from American Express (terms apply, rates & fees) instead. The card earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout and has an annual fee of $0 intro annual fee for the first year, then $95.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

The Blue Cash Preferred also offers a $7 monthly statement credit (up to $84 in statement credits annually) when you use your card to spend $9.99 or more each month on an eligible U.S. Disney Bundle subscription, which includes Disney+, Hulu and ESPN+ (enrollment required; subject to auto-renewal). As a new cardholder, you’ll get a $250 statement credit after spending $3,000 in purchases in the first six months of card membership plus a 0% intro APR for 12 months on purchases and balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.

Amex EveryDay Preferred Credit Card vs. Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you want to maximize rewards but groceries at U.S. supermarkets aren’t a top area of spending for you (an elevated earning category on the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. ), the $0-annual-fee Chase Freedom Flex℠ * The information for the Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. could be a good fit. The card earns 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores and 1% cash back on all other purchases. The Ultimate Rewards® points earned on this card are worth a penny each, no matter how you use them, eliminating the need to figure out how to get the most value from your earnings.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

New cardholders can receive a $200 bonus after spending $500 on purchases in the first three months of account opening. The Chase Freedom Flex also comes with a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer.  

Amex EveryDay Preferred Credit Card vs. Wells Fargo Active Cash® Card

If your preference is a simple rewards program, the Wells Fargo Active Cash® Card should be on your radar. This no-annual-fee card earns 2% cash rewards on purchases. You’ll also get up to $600 in cell phone protection against theft or damage when you pay your monthly cellphone bill with the card (up to two claims per 12-month period and subject to a $25 deductible).

There’s a welcome offer of a $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening. Plus a 0% intro APR for the first 15 months on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro rate and fee of 3%. After that a fee of up to 5%, with a minimum of $5 applies.

Should you get the Amex EveryDay Preferred Credit Card?

If you use your credit card just about every day and want a one-card solution that earns Membership Rewards, the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. ‘s unique rewards structure could work in your favor. However, if you don’t spend often enough to meet the card’s 50% extra points benefit requirements or you’d prefer a simpler rewards structure, you may want to consider other everyday credit cards before you make a decision.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

Amex EveryDay Preferred Credit Card summary

AMEX EVERYDAY PREFERRED CREDIT CARD DETAILS
Annual fee
$95
Rewards
3 points per $1 at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point), 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com and 1 point per $1 on other eligible purchases
Welcome bonus
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APR
0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies
Other perks and benefits
Secondary car rental loss and damage insurance¹ and return protection²

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Some of the factors evaluated in selecting the best rewards credit cards included:

  • Rewards potential and redemption options.
  • Welcome bonuses.
  • Travel and shopping benefits.
  • Intro APRs.
  • Annual fees.

Frequently asked questions (FAQs)

The Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers American Express Membership Rewards points, which you can redeem in a variety of ways, including travel reservations, gift cards, statement credits, merchandise and online shopping. You can also transfer your points to various airline and hotel loyalty programs.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

American Express doesn’t disclose a minimum credit score, but you generally need good or excellent credit to get approved. According to FICO, a good credit score is 670 or above. That said, the card issuer will also consider other factors, such as your income, credit history and other debt, to determine your eligibility for the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

Both the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) and the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offer the chance to earn extra points when you use your card a minimum number of times in a billing period.

However, the Amex EveryDay Credit Card’s rewards rates and points bonus are less valuable — you’ll earn 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points.

The Amex EveryDay Credit Card also doesn’t charge an annual fee. 

All information about Amex EveryDay® Credit Card and Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

Like most credit cards, the Amex EveryDay® Preferred Credit Card * The information for the Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is made from plastic.

All information about Amex EveryDay® Preferred Credit Card has been collected independently by Blueprint.

For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.

*The information for the Amex EveryDay® Credit Card, Amex EveryDay® Preferred Credit Card and Chase Freedom Flex℠ has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ben Luthi

BLUEPRINT

Ben Luthi is a freelance writer who covers all things personal finance and travel. His work has appeared in dozens of online publications. Ben lives in Salt Lake City with his two children and two cats.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.