Everyday Credit Card Review & AMEX Points Calculator

American Express EveryDay® Credit Card
Terms Apply.

The American Express EveryDay® Credit Card earns 2 Membership Rewards Points per $1 spent on up to $6,000 per year in U.S. supermarket purchases with the ability to earn bonus points based on how many transactions you have during a billing period. It's a great no-annual fee credit card that can provide some solid value if you don't spend enough to make the American Express EveryDay® Preferred Credit Card worth picking up.

Intro Bonus: 10,000 Bonus Points

Rewards Rates

Earn 2 points per $1 spent on up to $6,000 per year in U.S. supermarket purchases, then 1X.
Earn 1 point per $1 spent on all other Card purchases.
Earn 20% more points on your purchases in a billing period when you make 20 or more purchases on the Card.

Current Intro Bonus

Earn 10,000 Membership Rewards® points after you spend $2,000 on purchases on the Card in your first 6 months of Card Membership.

Key Cardholder Benefits

  • When you use the American Express EveryDay Card to make 20 or more purchases in a billing period, you'll earn 20% more points on those purchases (less returns and credits). This effectively bumps up the earning rates of U.S. supermarket purchases to 2.4X (1.2X after cap) and 1.2X on all other purchases.
  • As an American Express EveryDay Card member, you can enjoy complimentary ShopRunner Membership which gives you free 2-day shipping and free returns at 100+ stores. Enrollment required.

Rewards Value

Membership Rewards Points earned with the American Express EveryDay Card are worth 1 cent each when redeemed for airfare through American Express Travel.

You can obtain higher values by transferring points to AMEX's travel partners and redeeming them for flights and hotel stays.

Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Transfer Partners

Points earned with the AMEX EveryDay Card can be transferred to 20 travel partners, with the majority of the partners having a 1:1 transfer ratio.


Annual Fees

The American Express EveryDay Card has a $0 annual fee.

AMEX Points Calculator

Use the AMEX Everyday Points Calculator to determine how many AMEX Points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the AMEX Everyday alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need to re-enter spend when jumping to other credit card pages on the site.

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Other Ways To Earn

Outside of earning Membership Rewards points using AMEX, there's only one other way to earn additional points and that's Rakuten Rewards.

Rakuten Rewards

American Express Membership Rewards credit card holders can earn additional Membership Rewards points by using the Rakuten Rewards program which is a free-to-use online cash back portal that pays you to shop online.

The Rakuten website features thousands of retailer affiliate links and when you click on these links to make a purchase, Rakuten receives a commission. They then pay you, the user, some of that commission which is why it's no cost to use their portal.

Rakuten normally offers cash back rewards, but Membership Rewards credit card holders can opt in to receive Membership Rewards points instead. When receiving points, the rewards ratio is 1-to-1 meaning that 1% back is equal to 1X Membership Rewards points.

So if Rakuten is offering 10% cash back with a certain retailer (which they do often), this means you'll be able to earn 10X Membership Rewards points. Sounds amazing, right? That's because it is.

I've been using Rakuten Rewards as my main online shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

You can sign up for Rakuten Rewards using our affiliate link and earn bonus Membership Rewards Points (or cash back) on your first purchase. If you're looking to get the most out of the Membership Rewards program, you don't want to ignore this program.

Earning Rate Comparison

Want to know how the AMEX Everyday Card earning rates stack up against other Membership Rewards credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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What can you redeem points earned with the AMEX EveryDay for?

Points can be used for travel, statement credits, gift cards, checkout at several retailers, and more. They can also be transferred to AMEX's 20 travel partners.

How much are points earned with AMEX EveryDay Card worth?

Points can be redeemed for 1 cent each towards flights via American Express Travel. Higher values can be obtained transferring points to AMEX's travel partners.

How many points do you earn per dollar with the AMEX EveryDay Card?

The card earns 2 points per dollar on U.S. Supermarket purchases (up to $6,000/year, then 1 point) and 1 point per dollar on everyday else.

What is the 20% Bonus Points benefit on the AMEX EveryDay Card?

When you make 20 transactions during a statement period, you'll earn a 20% point bonus based on the amount of points you earned during the statement.

Should I get the AMEX EveryDay or AMEX EveryDay Preferred?

This will depend on how much you spend on the card and how much you value Membership Rewards Points. If you spend more than $300 per month at U.S. supermarkets, the AMEX EveryDay Preferred will generally be better. You can use the point calculator to compare both cards side-by-side.

Which card is better AMEX EveryDay or Blue Cash EveryDay® Card from American Express?

It will depend on your spending habits, but the AMEX EveryDay is the better option if you value Membership Rewards Points higher than the standard 1 cents per point. Use the point calculator to compare both cards side by side based on spend.

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