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Amex EveryDay Card: See the math of how it beats many cards with our tool

by on Sun March 2, 2014 • 4 Comments

Amex Everyday cards


American Express recently launched the new Amex EveryDay credit cards. One of them is the very first card to earn points that you can transfer into airline programs with no annual fee. The other, called the EveryDay Preferred card, will have a $95 annual fee and both of these cards have revolutionary (and big) bonuses on your everyday spending. You can see how they stack up based on your spending with our CardFinder comparison tool, though the intro bonuses are small so you’ll want to look at results for ongoing years rather than the first year.

With the EveryDay credit card you get 2x points on groceries up to $6,000 in spending a year, 1x points on everything else, with a 20% bonus on all points (including the grocery bonus) earned each month you use the card for 20 or more purchases.

The EveryDay Preferred offers 3x points on groceries up to $6,000 in spending a year, 2x points on standalone US gas stations and 1x points on everything else. You also get a 50% bonus on all points earned each month you use the card for 30 or more purchases, so it’s easy for this to be a 1.5 point per dollar card. And the bonus on groceries works out to 4.5 points per dollar on the first $6,000 in grocery spending per year, while you’ll end up with 3 points per dollar on gas station spending with the bonus.

How do they stack up based on point earning?

The EveryDay Preferred card can be incredibly powerful and earn you better than 2% in reward value on a regular basis with the right spending mix, blowing past most double miles cards like the Capital One Venture.

For a family that spends $2,000 a month and makes over 30 purchases on the card each month (just one purchase a day) with monthly category spending of $500 in groceries, $250 in dining, and $200 in gas, here is how the cards stack up in point earning in a typical year.

  • Amex EveryDay Preferred Credit Card: 57,600 points
  • Barclaycard Arrival Double Miles: 48,000 points
  • Capital One Venture Rewards 48,000 points
  • BankAmericard Travel Rewards: 39,600 points
  • Amex EveryDay Credit Card: 36,000 points
  • US Bank FlexPerks: 33,500 points
  • American Express Premier Rewards Gold Card: 32,400 points
  • Chase Sapphire Preferred: 28,890 points
  • Chase Sapphire: 27,000 points
  • Chase Freedom (using 2014 category calendar): 28,350 points

Which is best for you?

It comes down to two things…

CardFinder EveryDay card

Our CardFinder tool will let you compare how many points you can earn

First, how many points can you earn?

You can see that how the points add up using our CardFinder tool where you can enter your personal spending mix.  Just note because the intro bonus is small on these cards it won’t rank high in the first year calculations. You’ll need to filter for ‘ongoing years’ in the CardFinder to see how it does versus the other cards after their first year.

Second, which points are most useful for you?

Generally, Chase Ultimate Rewards points are still more useful for US based travelers because of the powerful United, Southwest, Marriott, and Hyatt options, while American Express Membership Rewards is better geared to travelers who primarily fly internationally.

Overall the EveryDay card isn’t quite as powerful as the BankAmericard Travel Rewards card which earns 1.5 points per dollar on all spending in the no annual fee space, though if you value airline mile transfer you can get more value out of it than the BankAmericard Travel Rewards which only lets you use points like cash toward travel.

The EveryDay Preferred Card with a $95 annual fee is a really powerful earner that can blow past many cards in annual point earning after taking bonuses into account, and this card deserves serious consideration in your wallet.

These cards are aimed squarely at the Chase Sapphire and Chase Sapphire Preferred, and you can see exactly how they stack up for you using our CardFinder tool, which lets you enter your mix of monthly spending to get personalized results.

Where can you use the points?

You earn full American Express Membership Rewards points with the EveryDay credit cards. These are not watered down Membership Rewards that used to be offered on entry level American Express credit cards.

That means you can transfer the points any time you’d like into your accounts with many airline and hotel point programs, including Delta, AeroMexico, Air Canada, Alitalia, All Nippon, British Airways, Cathay Pacific, El Al, Air France / KLM, Frontier, Hawaiian, Iberia, JetBlue, Singapore, Virgin Atlantic, and Virgin America.

Transferring to Delta miles is one of the most popular options, but savvy flyers like using Membership Rewards points to take advantage of deals with Air France / KLM Flying Blue, British Airways, Singapore, and Virgin Atlantic.

You can also redeem your points for flights booked via American Express Travel with every 10,000 points worth $100 in travel value so you always have an easy fallback option with no hassle. Most savvy flyers prefer transferring points directly to airline programs for higher potential value.

What other cards should I reconsider?

If you’re using a Delta SkyMiles credit card (compare at this link) it may be time to reconsider and take a look at the EveryDay credit cards that either have no annual fee or a chance to earn points even faster than with your current credit cards.

Don’t I have to pay the card off every month?

We recommend you always pay your card in full each month, but the Amex EveryDay cards are normal credit cards which you can pay off over time. They are not like the old guard American Express charge cards which must be paid in full each month, but again we strongly advise paying your card off in full every month regardless to avoid interest fees on your whole balance.

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Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee, then $95

Annual Fee


Foreign Transaction Fee Waived


Points Can Transfer to Airline Miles ?

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4 thoughts on Amex EveryDay Card: See the math of how it beats many cards with our tool

  1. Dan

    What a great article. I’ve got the Sapphire Preferred card, wow is that an awesome card. I also have an AMEX gold card that I’ve had since 2005, but it isn’t working much for me when it comes to points. Doesn’t look like it makes much sense to go the Delta route. Am I best off then getting the Everyday Amex if I do end up cancelling? What is my best bet on transferring my Gold Card points? Avois or other better ratio points for flights? Thanks much!


      @Dan – Yes the Amex Everyday is a great way to keep your existing Amex points active for no fee. Just make sure you get it before canceling the Gold Amex.

      As for transferring points, it all depends on where and how you want to fly. For short nonstop flights Avios are great. For long international business class, Delta SkyMiles can be surprisingly useful.

  2. Ron

    Having difficult trying to determine which card to use for future travel to Central America. Rarely fly, but do plan on doing it more often. What might you recommend?


      @Ron – Where are you flying from? Would say the simplest would be a double points card like a Capital One Venture or Barclaycard Arrival Plus. But if you want no fee, then the Amex Everyday is a good option if you have some Delta SkyMiles to build on.


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