Fees and rates
Annual Percentage Rate (APR)
Amex EveryDay® Preferred Credit Card Reward Program
3X POINTS AT US SUPERMARKETS. On up to $6,000 per year in purchases. 2X POINTS AT US GAS STATIONS. 1X POINTS ON OTHER PURCHASES. EARN 50% EXTRA POINTS
Make 30 or more purchases with your Card in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply
You can use Membership Rewards® points towards eligible charges you make on your Card such as retail dining entertainment and more. Let points take you places. Membership Rewards® Pay with Points lets you use points when you book with American Express Travel – without worrying about blackout dates or seat restrictions. Reserve flights on any airline and use points for all or part of your flight hotel booked and paid in advance (prepaid hotel) vacation or cruise booking. Transfer points to our selection of frequent traveler programs.
Automotive Discounts. This credit card offers discounts when you buy your new car. Why not save a little extra money on your ride?
You can get Free Shipping at some online stores. When you get it, if you don’t like it, you can return it for free as well.
No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.
Lost or Stolen Baggage Insurance
Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.
Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.
Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.
Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.
Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.
Travel Accident Insurance
Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.
The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.
Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.
Global Assist Hotline
Global Assist Hotline. This service provides the credit card holder with customs information and destination guides. Should you be traveling more than 100 miles from home, Global Assist provides extra services. These include help for a lost passport, translation requests, missing luggage, and emergency legal and medical referrals. As the cardholder, you would be responsible for any fees from third-party service providers. Fortunately, you may be able to charge these to the credit card.
Presale Tickets. Tickets for that band that you love are going on sale next Friday. This credit card allows you to purchase your tickets before the general public.
Instant Card Number
Instant Card Number. Need to pay for something immediately, and you don’t have a card yet? The credit card company will give you instantly issued credit card numbers upon your approval for a card. This number can be used for online purchases, and at vendors who take credit card numbers without a physical card.
Sign Up Benefits
Promo Rate. This credit card comes with a promotional “promo” rate, which is usually significantly lower than your regular interest rate. This is only valid for the first few months after you open the credit card, then the regular rate applies.
Let’s say your credit card has an introductory rate of 0% APR for 15 months. When that expires, you pay the regular interest rate (22.49%). To maximize your promotional rate benefit, your balance should be paid off before the end of the introductory period. Failure to do so will mean that the interest rate on the remainder of your balance will skyrocket.
Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.
0 Annual Fee 1st Year
No Annual Fee for the First Year. This credit card company waives its annual fee for the first year. You’ll get a year to decide if the card is worth the fee before you have to renew.
Family Vacation Benefits
Family Vacation Benefits. When you use the credit card to book your vacation, you may be eligible for vacation amenities. Some credit card cards have departments where you can book your vacation directly. Booking with an in-house travel department unlocks exclusive benefits for cardholders. These include discounts on activities, meals, and credits on cruise and hotel resorts. Other perks include adjoining or connecting rooms and discounted activities during your stay.
Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.
Credit Score Needed For Amex EveryDay® Preferred Credit Card
Your best chance of being approved for this credit card involves having a credit score 651 - 750. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.
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