American Express EveryDay® Card
American Express
Welcome Offer
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Full referral termsIs the American Express EveryDay Card right for you?
The American Express EveryDay is a no-annual-fee rewards card from American Express. Its strongest everyday earning is 2x on U.S. gas stations, with 1x on most other purchases. With no fee, the question is simply whether 2x on U.S. gas stations beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on U.S. gas stations, where it earns 2x
- ✓ Anyone who wants U.S. gas stations rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside U.S. gas stations — everything else earns 1x
First-year value estimate
Year two, without the welcome bonus: about $255 before credits ($255 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in U.S. gas stations (2x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1.7¢ per Amex Membership Rewards (OpenCard valuation; cash-out value can be lower).
- Welcome bonus: 10,000 Amex Membership Rewards at 1.7¢ each (OpenCard valuation) ≈ $170.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-05-08.
How it compares
Rules and gotchas
- The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.
- Bonus cap on U.S. supermarkets: up to $6K/year
- Bonus cap on U.S. gas stations: up to $6K/year
Frequently asked questions
- Does the American Express EveryDay have an annual fee?
- No. Our record lists a $0 annual fee for the American Express EveryDay.
- What does the American Express EveryDay earn?
- 2x on U.S. supermarkets, 2x on U.S. gas stations, and 1x on other purchases. Some bonus rates are capped; see the rules and gotchas above.
- Is the American Express EveryDay worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in U.S. gas stations), the first year comes out around $425 before credits, including a welcome bonus valued at $170. Year two drops to about $255 before credits.
- What credit do I need for the American Express EveryDay?
- Our record lists "Good/Excellent" credit as the typical target for the American Express EveryDay. American Express makes the final decision based on its own criteria.
Earning Rates
Insurance
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Last Updated: May 8, 2026