Amex EveryDay is an excellent rewards card issued by American Express for people who have excellent credit. This card offers an excellent opportunity to earn lots of bonus points with your purchases and has zero annual fees. There is an intro APR of 0 percent on all purchases and balance transfers for the first 15 months, which is useful. The warranty and protection offered on returns and purchases are decent as well.
Credit quality necessary applying for this card:
|ANNUAL FEE||REGULAR APR||PURCHASES||BALANCE TRANSFERS||CARD RATE|
|$0||12.99%-21.99% (Variable)||Intro APR: 0%
Intro period: 15 months
|Intro APR: 0%
Intro period: 15 months
Annual Percentage Return
For 15 months after signing up for Amex EveryDay, the APR will be 0% on all purchases and balance transfers. After the completion of the 15-month period, there will be a variable APR of 12.99% to 21.99%, on both purchases and balance transfers, depending on your credit score and other relevant factors.
The big advantage signing up for the Amex EveryDay card is that there is no annual fee on it. There is no annual fee for any additional cards you purchase either. So any family members you add on will benefit from zero annual fees.
With Amex EveryDay, you can earn 20% more points when you make 20 or more separate purchase with it within a single billing period. You can then redeem your rewards at more than 70 online retailers. The points earned as a reward can be used to pay for credit card charges or to get gift cards for dining and entertainment. You can even pay for a flight ticket, hotel booking or a travel booking using the rewards got from Amex EveryDay. You can transfer your points to any US airline’s frequent flyer program.
Warranty and Protection
The Amex EveryDay card has a return protection of $300 per purchase, up to a total purchase of $1000 in a calendar year. The protection applies when the merchant does not accept the item being returned by you. The return protection does not cover items such as mobile phones, automobiles, software, jewelry and perishable goods.
Amex EveryDay also offers a purchase protection if a product bought with the card gets accidentally damaged or stolen. An extended warranty of up to 1 year is available on eligible purchase made with Amex EveryDay, provided the manufacturer’s warranty is for 5 years or less. Amex EveryDay offers travel accident insurance coverage in the event of death or injury while travelling in a bus, train or plane, on a ticket bought with the card. Amex EveryDay also offers protection on car rentals, in case of an accidental damage or theft.
Amex EveryDay has a high quality 24/7 US based customer support. It also offers a roadside assistance hotline, and a global assist hotline, which is a part of the travel benefits it offers. This is a terrific feature to have. The customer support executives are very helpful and knowledgeable about what they do. You can contact them by e-mail or by placing a phone call to the official Amex EveryDay hotline.
Amex EveryDay is clearly not for everyone – it’s for you if you have an excellent credit. There are excellent shopping and travel benefits to be had with this card. We are impressed that you can earn 10,000 bonus points on a minimum of $1,000 in purchases with the card in the first 3 months of signing up. Amex EveryDay is one of the best rewards card in the business, and there is much to like about it.
- No annual fee
- Excellent Membership Rewards® Program that uses points as rewards for purchases made with over 500 brands
- Flexibility over payments – you can pay in full each month or pay over a period of time.
- Very good travel benefits
- Extensive Warranty and Protection
- Great Customer Support
- You have to accumulate 5000 points before being eligible for the rewards program.
- You must have a decent credit for your application to be considered by Amex EveryDay.