American Express Everyday Credit Card
In 2014, American Express launched the EveryDay card, a credit card that charges no annual fees and offers cardholders full access to its services. Given that the benefits are adverse to global use, it is clear that the American Express EveryDay card’s target audience is travelers reflecting international resources.
Therefore, the American Express Everyday credit card has the opportunity to earn 2 Membership Rewards points for every dollar spent in supermarkets in the United States (up to a limit of US$6,000 per year, after which you earn 1 point per dollar ), two points per dollar when booking travel through American Express Travel and 1 point per dollar on all other eligible expenses.
Additionally, if you make 20 or more card transactions during a billing cycle, you will receive a 20% increase in the points generated by these purchases. Additionally, the card offers a 0% introductory interest rate on purchases and balance transfers for 15 months, after which a regular interest rate ranges between 18.24% and 29.24%.
Rewards and other services:
- Considered as part of the welcome package, you receive a 10,000 point bonus after making eligible purchases worth $2,000 within the first 6 months of account opening.
- Car Rental Protection: Take advantage of an additional damage waiver per section when renting a vehicle, as long as you pay for the rental with your card.
- Amex Exclusive Offers: Amex promotions may provide extra discounts or additional Membership Rewards rewards points on purchases that are already in your plans.
- Simplified Shipping and Sharing: Whether it’s sharing group dining expenses or splitting the cost of concert tickets, you can now easily do it with any other Venmo or PayPal user right through the Amex app. Therefore, American Express is responsible for making value division calculations, sending transactions and monitoring payments, reimbursing you directly to your credit card, ensuring that you continue to accumulate rewards for your purchase.
- Make the most of Amex promotions: Amex promotions are a great way for cardholders to earn rewards when they purchase products or services that interest them. Our customers can explore and add Amex promotions to their eligible cards, enabling them to earn rewards when shopping with specific brands.
- Live Exclusive Experiences with American Express: Stay up to date with privileged access to ticket pre-sales and exclusive events reserved for our card members at a location near you. Explore a variety of concerts, Broadway shows, family-friendly events, sporting competitions and more.
Card fees and rates:
Interest Rates
Global Effective Annual Interest Rate (TAEG) Regular: Varies between 18.24%
Annual Interest Rate (APR)
Introductory Annual Interest Rate (APR) for Balance Transfer: 0% for the first 15 months to Rates
Balance Transfer Fee: $5 or 3
Cash Advance: $10 or 5% of the value of each cash advance, whichever is greater.
Foreign Currency Transaction Fee How to redeem rewards?
The American Express Membership Rewards program offers a versatile currency that can be used in a variety of ways. Generally, the most valuable way to use points is to transfer them to Membership Rewards travel transfer partners. When you transfer your points, you can redeem them according to redemption policies and rates. Therefore, it is advisable to understand what redemption options are available before making the transfer, as this action cannot be undone.
Additionally, Membership Rewards points can be used to earn statement credits, redeem on Amazon, book travel through Amex Travel or redeem them for gift cards.
Credit approval:
Check your approval without it having any impact on your credit rating on the American Express website. However, when agreeing and choosing to accept the card, it is important to be aware that your credit rating may be affected.
In order to make the application process more transparent, American Express allows you to check if you are approved without it having any effect on your credit score.
Application Procedure for credit approval:
- Data Submission: American Express collects the information that has been requested and evaluates it using the essential terms and conditions.
- Decision Making: After submitting your application, they will first let you know if your application has been approved, without causing any impact to your credit score.
- Card Acceptance: If you choose to accept the card, the information that is transmitted to the credit agencies may influence your credit rating.
Therefore, it is essential to meet your financial needs with the benefits and terms offered by the card, and, therefore, it is convenient to access the website to evaluate the services that best suit your profile.
