American Express EveryDay®
A no-annual-fee transferable-points card from American Express.
Rates, fees, and full terms are set by American Express and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Amex EveryDay is one of those cards that is almost more useful for what it does not cost than for what it earns. There is no annual fee, and it still builds transferable Amex Membership Rewards points, which makes it a great card to hang onto if you want to keep your Amex points alive without paying a cent to do it.
The honest catch is that you basically cannot get it anymore. Amex closed it to new applicants, so realistically nobody is opening one today. So this is really a review for the people who already hold it and are deciding whether to keep it, and for the most part, if it is already in your wallet and it costs you nothing, there is very little reason to let it go.
Think twice if: you are hoping to apply for it fresh, since it is closed to new applicants, or you want a card that earns strongly across more than just groceries.
Our 6.5 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
There is not much to break down here, because this is a simple card. You get 2x at U.S. supermarkets, which matters because groceries are the biggest line in most households’ budgets, and then 1x on everything else. That is it. It is never going to be your everyday driver for dining or travel, but a no-fee card that earns 2x on groceries and builds transferable Amex points is genuinely useful for what it is.
| Category | Rate | Notes |
|---|---|---|
| U.S. supermarkets (up to $6,000/yr) | 2x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its groceries rate is on the modest side for that category, so compare before you commit.
When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- No annual fee
- Earns transferable Amex Membership Rewards points
- 2x at U.S. supermarkets, the biggest everyday category for most people
- A cost-free way to keep your Amex points and ecosystem membership alive
- Closed to new applicants, so you basically cannot get it anymore
- Very simple: only 1x outside of groceries
- Not a strong everyday earner beyond the grocery category
The welcome bonus
This card is no longer open to new applicants, so there is no welcome offer to earn. The value below applies to existing cardholders.
First-year value vs ongoing value
| Welcome bonus | Not available (no longer open to new applicants) |
| To earn it | No minimum spend |
| Est. first-year value* | $352 |
| Est. ongoing value / yr* | $352 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $352 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Earns Membership Rewards points, transferable to Amex airline and hotel partners
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Ecosystem and transfer partners
The American Express EveryDay® earns Membership Rewards, one of the more valuable currencies in rewards because of where the points can go. You can move points 1 to 1 to 10 airline and hotel partners: Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards, Marriott Bonvoy, Hilton Honors, and The Leading Hotels of the World. As an earner, its job is to rack up points cheaply that you move to a hub card before transferring. The sweet spots are usually premium-cabin flights and high-end hotel nights, where a single point can be worth well more than the 1 cent we value it at here.
Airline partners: Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards, The Leading Hotels of the World.
Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.
Search award flights on seats.aero →Hotel partners: Marriott Bonvoy, Hilton Honors.
Look up the live points price and availability for a specific hotel stay before you book.
Search award stays on rooms.aero →Who should get it, and who should skip it
Realistically, this card is for people who already have it. If you are holding an Amex EveryDay, it is an easy keep: no fee, transferable points, and 2x on groceries. There is almost no reason to close it.
If you are trying to get into Amex fresh, this is not the entry point anymore, because you cannot apply for it. Look at a card that is actually open. But if this one is already in your wallet, hang onto it.
Alternatives to the American Express EveryDay®
Pairs well with
The American Express EveryDay® earns Membership Rewards but cannot transfer on its own. Pair it with an American Express transfer hub to unlock airline and hotel transfers.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express EveryDay® lands.
Calculate My CardOffer details verified against issuer sources as of November 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
