5% cash back on all purchases, but your rewards come in the form of Chase points that you can combine with rewards from other premium Chase cards that also earn valuable. Amex EveryDay Preferred: Pricing information including interest rates, benefits and fees was obtained on. The Blue Cash Everyday credit card from American Express offers 3% Cash Back at U. Blue Cash Preferred offers you 6% cash back at U. This card is the. In fact, the lower end of the 18. The remaining $32,191 would earn 32,191 Membership Rewards for a total of 56,621. retail merchant that sells physical goods or merchandise directly to consumers. 99% - 28. Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel. Offer ends 9 January 2024. The Everyday Preferred card and the Platinum card is the best two-card combination in the Amex cards lineup. The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. 01 unless you use a travel affiliate. The Amex EveryDay Credit Card comes with a 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18. American Express offers six travel rewards cards for consumers in its Membership Rewards lineup: EveryDay, EveryDay Preferred, Green, Gold, Premier Rewards Gold and Platinum. Above-Average Rewards: You will earn at least the market average for a points credit card when using Amex EveryDay®, as it provides a minimum of 1 point per $1 spent. If you want to earn 20% more on your monthly purchases and redeem your points for award flights, the Amex EveryDay credit card can be a good option. The card details on this page have not. Updated Nov. Amex Blue Cash Everyday gives bonus. Today, we'll take a look at two Amex Membership Rewards-earning cards that may be worth doubling down on: The Platinum Card® from American Express and the Amex EveryDay® Preferred Credit Card. The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. supermarkets (up to $6,000 in purchases per year, after that 1X),. Amex EveryDay: How They Compare. (see rates and fees ). Bottom Line: The rewards and benefits of the Amex Blue Cash Everyday card are geared towards cash-back on everyday purchases, while the Chase Sapphire Preferred card is more rewarding for those looking for an all-around travel rewards card. I think you would get approved for both the blue cash or the cash magnet as your experian and discover scores are. Enter an estimated spending dollar amount per category below to calculate the points you could earn. 4% bonus rate on U. It also offers a way to make new purchases and carry those. Transition credit score 760 & experian 751. Related: Choosing the best American. Amex Blue Cash Everyday Fees and Perks. Membership Rewards. Earn 4 points per dollar spent at U. Each statement period, the Dollars or Points you earned are deposited into your rewards account and can then be redeemed for cash-back statement credits and. supermarket. A foreign transaction fee is a surcharge that some credit cards add to transactions processed outside of the United States. If you are approved for the card and spend $2,000 in purchases on the card within the first six months, you will. S. Rewards are doled out as Membership Rewards. American Express also offers. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. With your Amex Blue Cash Everyday card, you’ll earn 3% back at U. WalletHub's credit card reviews are independent and not provided, commissioned,. Info about the Amex EveryDay® Preferred Credit Card has been collected by WalletHub to help consumers better compare cards. Perhaps the most unique perk that the Amex EveryDay® Preferred Credit Card from American Express offers is its extra bonus points benefit, which you get by using the card. Plus, the card rewards you the more often you use it by giving you a 20% bonus when you use your card 20 or more times on purchases in a billing period. Image Credit: American Express. Direct Link. online retail purchases. Budgeting; FICO® Score and Insights;For new card members, the Blue Cash Everyday Card offers a $200 cash back bonus. Step 2: Select Transfer Points under Redeem. On the surface, The Amex EveryDay® Credit Card sounds like it offers less value — you earn just two points per $1 on up to $6,000 you spend annually at U. grocery store purchases up to $6,000 in a year; 2x on all U. S. Add your new actual Card number to your digital wallet, like Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, PayPal, or Amazon Pay on your mobile device in a few easy steps. 99 per month on an eligible Disney Bundle subscription, which includes Disney+, Hulu, and ESPN+, and receive a $7. Includes American Express card network perks. If you have an Amex EveryDay Card product, additional points awarded under this offer will not be included in the extra points benefit. Budgeting; FICO® Score and Insights;The Amex EveryDay® Credit Card* is an introductory travel rewards credit card that offers lower-than-average rates on U. Here are the details of the 30 transaction bonus. Get the The Amex EveryDay® Preferred Credit Card from American Express card today. The Amex EveryDay card will earn you 10,000 Membership Rewards points after spending $1,000 in the first three months, which TPG values at $200. Terms Apply. S. But just like with other cards we review, we stress that potential applicants should pay attention to this card's. By clicking Accept, you agree that we and our partners may store and access cookies on your device for these. 99% applies). Membership Rewards. The usual offer is 10,000 Membership Rewards points after $1000 spend, but I was holding out for a 25,000 bonus points offer. You earn cash-back rewards in the form of Blue Cash reward dollars, which you can redeem for statement credits with no minimum redemption amount. S. On other purchases, you can earn 1x point for every dollar you spend. Accept Amex Cards. However, some categories of spending receive bonus earnings. Not having an annual fee makes this a good backup card if most of your purchases go on a premium American Express credit card. supermarkets (up to $6,000 of purchases per year, then 1. It also provides 20% more points if you use the card more than 20 times in a month. Amex EveryDay: Earn 10,000 bonus points after spending $1,000 in the first three months. The Blue Cash Preferred—Groceries, Streaming, Gas, Transit/Travel. With most Amex cards, you're covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn't include any shipping or handling expenses. The Platinum Card® from American Express. American Express Cookie Preferences. Their annual fees range from $0 all. Currently 60k via for $4k spend over 6 months. gas stations, while the American Express® Green Card only earns 1x points across the board. The Blue Cash Preferred® Card from American Express is the winner over the Amex EveryDay® Preferred Credit Card . The Amex Blue Cash Everyday card comes with 2 monthly statement credits that can really add to the value of the card: The Disney Bundle — Use your card to spend at least $9. The Amex EveryDay credit card’s rewards rate is just decent for a no-annual-fee card, and the $6,000 annual spending cap for your 2X-point category stunts this card’s rewards potential. It seems to only appear on referral links, not on public links . The Amex EveryDay credit card is a good choice if you want to earn decent rewards on supermarket spending without paying an annual fee. Amex EveryDay Card Review Highlights: American Express® Gold Card. Sure, it’s a great ongoing everyday card with its double-point earning categories, but its greatest value is available in the first 60 days of card ownership. The Amex EveryDay® Preferred Credit Card from American Express is a solid primary card. supermarkets (up to $6,000 per year) 6% cash-back on select U. To break it down further, Amex EveryDay Preferred earned a score of 1. American Express hosts American Express Fan Experiences at select music festivals and sporting events. gas stations and U. With the 50% bonus, the Amex Everyday Preferred card would earn 4. Image Credit: American Express. The Amex EveryDay Credit Card is now one of the best credit cards on the market, offering a 0% introductory APR on new purchases that lasts for 15 months and charging a $0 annual fee. It has no annual fee and accelerated point earnings (2 points per $1 spent) at the supermarket, plus 1 point per $1 spent on everything else. You still backed by AMEX so you'll get good support/customer care and all. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get. Winner: Depends on whether you also hold a premium Citi ThankYou card. In fact, the lower end of the 18. Corporate Programs. gas station purchases. Credit Cards. Explore Exclusive Credit Card Benefits, Rewards and Offers Available to Amex Card Members. supermarkets up to $6,000 in per year in purchases, 2X points at U. American Express offers many credit cards with airport lounge access. American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more. Get to know your Blue Cash Everyday Card benefits — we’ve gathered everything you need to make the most of Card membership. Savings Accounts; Send Money & Split Purchases: Venmo and PayPal; Membership Rewards® Point Summary; CREDIT TOOLS AND SUPPORT. Welcome bonus: 15,000 Membership Rewards points after spending $2,000 in purchases in the first six months of card membership. online retail purchases. Summary of Amex Everyday Review. The Amex EveryDay® Credit Card is a basic rewards card that offers 1x-2x points at U. The only key difference is that while Amex does not allow balance transfers, Chase charges $5 or 5%, but this is reduced to $5 or 3% for the first 60 days. 24 percent (variable) ongoing APR is well below the current average. If you want Amex points instead of cash back: The Amex EveryDay® Preferred Credit Card has an annual fee of $95 (see rates and fees) and earns Membership Rewards points instead of cash back. S. With a $95 annual fee, the Amex EveryDay® Preferred Credit Card may be a better option than the Amex EveryDay® Card if you are an Amex fan and would like to earn more rewards. The Blue Cash. Earn 10,000 Membership Rewards points each time a friend is approved for the Amex EveryDay card through your referral link. *. Credit Intel – Financial Education Center. Similarly named and designed, these cards also come with some similar features: elevated rewards. 60 cash back. If you're looking for something with no annual fee. 3X Membership Rewards Points Business Gold. Have to make about 30 purchases per month to take full advantage of rewards. Plus, the card rewards you the more often you use it by giving you a 20% bonus when you use your card 20 or more times on purchases in a billing period. Find the right one for you or your business today. This card earns 50% bonus points when you use your card 30 or more times in a billing cycle. The Amex EveryDay® Credit Card from American Express offers 10,000 Membership Rewards points when you spend $1,000 within the first 3 months of opening your account. Credit Cards. 0/5 for Rewards, 2. 1x points on other purchases. This page provides information about how you can earn additional rewards on some American Express ® U. However, Amex also has two more entry-level cards that earn valuable MR points: the Amex EveryDay Card with no annual fee and the Amex EveryDay® Preferred Credit Card, with a $95 annual fee. The Amex EveryDay ® Credit Card is a great option for those looking to start earning Amex Membership Rewards points without needing to pay an annual fee. The Amex EveryDay credit score requirement is 700 or higher. Uncover your benefits Card Membership brings benefits, across the board. The Amex Everyday is more of a card to collect and keep MR points since it is the only MR earning card that doesn’t have annual fee like the Green, Gold, and Platinum charge cards. Share benefits and track purchases with loved ones. S. S. Plus, use your Card 30 or more times on purchases in a billing period and earn 50% extra points. Unlike the Chase Freedom, you don't need to pair the. If your Card is not listed on this page or if you are an Additional Card Member, please call the. Plus, Amex EveryDay actually rewards you for making purchases. Photo: Courtesy of American Express. Annual fee. 7% and it is applicable to any purchases processed internationally. Yes, American Express ® MyCredit Guide is a free service that allows you to view your FICO ® Score and Experian ® credit report for free, whether or not you are currently an American Express Card Member. S. However, Amex also has two more entry-level cards that earn valuable MR points: the Amex EveryDay Card with no annual fee and the Amex EveryDay® Preferred Credit Card, with a $95 annual fee. supermarkets. Initial Bonus. This fee gets assessed both for purchases made while traveling outside of the United States and online, through international merchants. It's one of AMEX entry-level credit cards. The Blue Cash Preferred® Card from American Express gives you 6% cash back at U. S. 99%. Many families spend much more than $150 per month on groceries, so adjust your numbers accordingly based on your own spending patterns. It was my first Amex, and for awhile it seemed like the consensus daily use rewards card, as it gives 3x Membership Rewards at groceries (which Amazon counts as), plus 50% extra rewards after 30 transactions in a billing period. Above-Average Rewards: You will earn at least the market average for a points credit card when using Amex EveryDay®, as it provides a minimum of 1 point per $1 spent. You can carry a balance from month to month on this card, and the interest rate is about average at APR. The card also has a $0 annual fee and a low introductory APR. supermarkets (on up to $6,000 spent per year) 1X point on all other purchases. S. Business Credit Cards. The Blue Cash Everyday Card is a cash-back credit card, making the redemption process straightforward. Here is why these two cards can make an ideal pairing. Preferred Card offer. The Amex Blue Cash Everyday card earns rewards first in the form of Reward Dollars and the Freedom Flex card earns points that can be redeemed for cash-back. Earn 15,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3. You can get this offer to show by going to the above link (or directly on the Amex website) in a non-cookied browsing session, such as. The EveryDay Preferred, meanwhile, is offering 15,000 points after spending $2,000 in the first six months of card membership. At-A-Glance Earn 3% cash back on essentials spending at U. Card type: Travel Credit card issuer: American Express Annual fee: $95 (Some terms apply) Welcome bonus: Spend $2,000 in the first six months and earn 15,000 points Rewards rate: You can earn 3X points at U. com, Hulu. Here’s an in-depth look at the Amex EveryDay Credit Card versus the Amex EveryDay Preferred Credit Card: 1. Maintain $95 annual fee (but I think we will see an increased annual fee on this in a refresh at this point that would then translate shortly thereafter on the Blue Cash Preferred). The Amex EveryDay Preferred is a great mid-tier travel credit card for someone who wants to earn travel rewards on everyday purchases. Credit. Image Credit: American Express. Why I think the Everyday Preferred card is so great. Also, note that cash back redemptions from AmEx requires a minimum rewards balance of $25. It’s a Visa. Enroll. S. 3/5 for APR, and 3. com); (ii) purchases of prepaid hotel reservations booked through American. Card details Chase Sapphire Preferred Amex EveryDay Preferred; Annual fee: $95: $95: Welcome bonus: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, worth $1,200 according to TPG valuations 15,000 bonus points after you spend $2,000 on purchases in the first six months of card. 24% variable. supermarkets, U. Earn 4 Membership Rewards points per dollar spent at restaurants. gas stations, and 3% on U. To be eligible for the 3X Membership Rewards® points, the booking must be both reserved and charged on the Basic or Additional/Employee Card on the Card Account. Amex EveryDay Review. Amex EveryDay® Preferred Credit Card comes down to rewards vs. S. 99% to 29. Update 5/24/22: A couple of readers reached out to let me know they were targeted for this account. 3. Card Details. You can choose offers from brands you love and get discounts in the form of statement credits on your account or as extra points added to the rewards account associated with your Card account. supermarkets on up to $6,000 per year, then 1x, and 1 point per dollar on all other purchases. Cons. The Amex EveryDay® Preferred Credit Card from American Express: $95 annual fee, 1. View All Prepaid & Gift Cards. FICO® Score and Insights. Instead, however, you can earn 3% cash back at. Those points are worth $200 and $300, respectively, per TPG valuations. S. The American Express Everyday card offers 2 points per dollar on U. S. That 50% bonus applies even to the bonus categories. Had a $95 AF charged 4/13 on Amex Everyday Preferred, appeared on the statement close date. Discover all the benefits that come with your Card. The card details on this page have not been reviewed or provided by the card issuer. Blue Cash Everyday® Card from American Express - best for cash-back beginners. The Amex EveryDay® Preferred Credit Card from American Express: $95 annual fee. Annual fee. The Everyday card and the Blue Cash cards are from two different card families, so you won't be able to product change from one to the other. after you spend $6,000 in eligible purchases on your American Express ® Gold Card within the first 6 months of Card Membership. Examples of cards that let you transfer points to American Express transfer partners include the Amex EveryDay Credit Card, the Amex Platinum Card and the Amex Gold Card. FICO® Score and Insights. S. The Amex Blue Cash Everyday credit limit is based on American Express’s assessment of each application, so the card’s credit limit will be different for each applicant. Savings Accounts & CDs. Eligible travel purchases are limited to: (i) purchases of air tickets on scheduled flights, of up to $500,000 in charges per calendar year, booked directly with passenger airlines or through American Express Travel (by calling 1-800-525-3355 or through AmexTravel. Beyond dining, supermarkets. Blue Cash Everyday from American ExpressAmex Offers are available to all consumer and business American Express Card Members, but you must enroll in the offers you’d like to receive. Membership Rewards. The Amex EveryDay® Credit Card has a welcome bonus offer: Earn 10,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 6 months of Card. The Blue Cash Everyday is similar to another top credit card for gas and groceries called the Blue Cash Preferred® Card from American Express. The card. 5% cash back on purchases with no spending caps. Chase Freedom Unlimited® - best for drugstores. Welcome bonus. RewardExpert 0 Comments June 23, 2020. Get access to 112MM+ Cards Worldwide and competitive pricing opportunities. Redeeming for statement credits effectively puts cash back in your wallet. online retailers (on up to $6,000 in purchases. Budgeting; FICO® Score and Insights;Everyday: 1. Who Should Get It : Consider applying for the The Amex EveryDay® Credit Card from American Express if you want to minimize interest charges initially without. You can redeem your points for gift cards, travel, you can cover your card charges, and more. S. I think the average person would spend more on restaurants than on gas. 0% intro APR on purchases and balance transfers for 15 months from date of account opening. When you book through American Express Travel, you’ll receive a suite of benefits with an average total value of $600* in perks, like daily breakfast for two, 4pm check-out, and more. Earn points on most everyday purchases, then use points for gift cards, travel rewards, immersive. Then, at checkout, select “Reward Dollars” as the preferred payment method. Coverage is limited to $1,000 per item on the Amex Blue Cash Everyday card and $10,000 per item on the Amex Gold card. Points can also be used for statement credits, gift cards. S. 99% to 23. It offers 2x SkyMIles on dining. Corporate Programs. File a Claim or Check Claim Status. S. Amex Platinum¹¹. American Express @Work; OTHER ACCOUNTS AND PAYMENTS. The Amex EveryDay® Credit Card from American Express (a Money Crashers partner) is a cash back credit card that utilizes a complicated but versatile point system to reward users. Earn a generous 3 points per dollar spent on supermarket purchases (up to $6,000 a year; then 1x) and 2 points per dollar spent at gas stations. Earn 60,000 Membership Rewards ® Points. gas stations, on up to $6,000 per year in purchases (then 1%). 2 As for cash. To break it down further, Amex EveryDay Preferred earned a score of 1. Savings Accounts; Send Money & Split Purchases: Venmo and PayPal; Membership Rewards® Point Summary; CREDIT TOOLS AND. $200 for spending $500 in the first 3 months. Right now, when your friend applies for a new account by June 7, you can earn an additional +5 rewards per dollar (as either points or cash back, depending on the card) on eligible U. Amex EveryDay vs. Cash back: use your American Express Small Business Card to help your business reduce costs with an Early Pay Discount ‡ or cash back in the. Bank of America ® Premium Rewards ® credit card. However, certain premium cards cover your purchases for up to $10,000 per incident, with the same limit of up to $50,000 in total claims per calendar year. Fill in the credit limit amount you are requesting plus your annual income, then click Continue to complete the request. The introductory rate, however, is quite good,. Add someone to your account. Amex EveryDay® Credit Card. It earns 2 points per. S. The best high limit credit cards offer spending limits of $10,000 or more. Learn More About American Express Car Rental Loss and Damage Insurance Related for Your Eligible American Express Card and How to File a Claim. S. Earn a generous 3 points per dollar spent on supermarket purchases (up to $6,000 a year; then 1x) and 2 points per dollar spent at gas stations. 7 credit card bonuses that only require one purchase. American Express has four business cards that earn Membership Rewards. $250 back after spending $3,000 in the first six months of card membership. Annual Fee. At-A-Glance Earn 3% cash back on essentials spending at U. S. However, this doesn’t factor in the $95 annual fee on the Amex EveryDay Preferred Card. All other. supermarkets (then one point per $1) instead of the 3% cash back you can earn in the same category with the. 24%-29. Membership Rewards. If you prefer talking to someone, report your claim by calling 800. Earn. S. Earn a generous 3 points per dollar spent on supermarket purchases. Restaurants and U. Savings Accounts; Send Money & Split Purchases: Venmo and PayPal; Membership Rewards® Point Summary; CREDIT TOOLS AND SUPPORT. The first is to head to AmEx’s online site and start your claim. S. CreditSecure®. Earn 50,000 online bonus points after you spend $3,000 in purchases in the first 90 days of account opening. The Amex EveryDay® Credit Card is a basic rewards card that offers 1x-2x points at U. People with “very good” or “excellent” scores generally have access to the lowest interest rates on loans and lines of credit while earning premium rewards. The protective features include Purchase Protection for the. These points can be worth anywhere from. You’ll earn that 3% rate on the first $6,000 in. Amex EveryDay. The Everyday Credit Card is a great choice. You can obtain higher value by transferring points to AMEX's travel partners and redeeming them for flights and hotel stays. MyCredit Guide also provides enrolled customers with FICO ®. S. Refer A Friend. The Amex EveryDay Credit Card offers 10,000 Membership Rewards points if you spend $2,000 on purchases within the first six months of opening your account. In general, the Amex EveryDay Preferred card from American Express will out-earn the American Express® Green Card for the same annual fee of $95. 4. We would like to show you a description here but the site won’t allow us. Another option would be the Amex EveryDay® Preferred Credit Card *. your lifestyle. Also the card has no annual fee. According to a recent study * from American Express, 90% of consumers surveyed say that now more than ever they want a credit card that provides cash back for their everyday purchases. S. If you’re able to meet this. Limited Time Offer: Earn 25,000 Membership Rewards® points* PLUS spend anything in month 15 and get 5,000 Membership Rewards® points *when you spend £3,000 in your first three months of Cardmembership. American Express Blue Cash Everyday Card APR. $0 ( rates & fees) $0. S. That's why it's important to consider cards that complement each other. Credit Score 101. N/A. 5x (3% return) on general spending in billing cycles where you make 30+ purchases, see full card review; The information for the Hilton Aspire card, and Amex EveryDay Preferred card has been collected independently by The Points Guy. The Amex EveryDay® Credit Card* is a good entry-level card for earning Amex Membership Rewards points since you won’t have to pay an annual fee. online retailers (on up to $6,000 in purchases per spending category, per year). supermarkets, 3% at U. Buffalogal (@guest_1647867) July 5, 2023 19:53 #1647867 Gadget - Bank Bonus Geek 🔗Disclaimer: The information for the Amex EveryDay® Preferred Credit Card from American Express has been collected independently by CreditDonkey. 49% Variable. You still backed by AMEX so you'll get good support/customer care and all. The American Express Green Card offers a strong rewards rate but comes with a $150 annual fee, while the Amex EveryDay Credit Card has no annual fee but doesn't earn as many points. The Amex EveryDay® Preferred Credit Card from American Express: $95 annual fee; 3% return on general spending in billing cycles where you make 30+ purchases; 2. Amex EveryDay Bonus Offer InfoFYI, this bonus only applies to the AmEx EveryDay Preferred card, NOT the BlueCash Preferred. card_name offers high cash back rates on groceries, gas, and. The AmEx EveryDay Preferred Credit Card (EDP) Review. †. The up to $120 per year dining credit is broken down into $10 monthly. 5 Update: It seems the 30k offer is gone. 99% variable APR on purchases. Read our Amex EveryDay Preferred Credit Card review to learn more about this card which offers bonus rewards on everyday spending categories, plus extra points. American Express offers world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more. The Amex EveryDay Preferred Card has a $75 annual fee, while the no annual fee Freedom Unlimited Card requires having a $95 annual fee, so which of those represents a better deal is a function of whether you’d maximize the value you get out of the Sapphire Preferred or Ink Plus. With a $95 annual fee, this Card offers 3X points at U. $95. 7% better on U. *Average value based on Fine Hotels. S. The first is to head to AmEx’s online site and start your claim. 64 per year cheaper than the average credit card as a result. S. With some Cards, you may also earn additional. $0. S. You’d need to earn an additional ~5,600 Membership Rewards points on the EveryDay Preferred to break even on the annual fee, compared to the Blue Business. Sickness or Injury of the traveler or traveling companion). com and in U. The $250-annual-fee card earns 4 points per dollar spent at restaurants, 4 points per dollar spent at U. For a $0-annual-fee card, it pays an excellent 3% cash-back rate at U. Knowing where you stand can help you build and sustain healthy credit habits. American Express has a very close relationship with Delta, and it offers several Delta SkyMiles credit cards. Their annual fees range from $0 to $695. Chase Freedom Flex. The best American Express credit cards in 2023. FICO® Score and Insights. It’s as simple as using your Amex Cash Back Credit Card to do some online shopping, buy groceries for your family, or even enjoy a nice date at a restaurant. com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays. supermarkets on up to $6,000 in annual spending, and the annual fee is $0. . Amex EveryDay Preferred Credit Card basics. If you're able to max them out, you'll bring the card's effective annual fee down to just $10. Plus, it provides loads of options. It’s as simple as using your Amex Cash Back Credit Card to do some online shopping, buy groceries for your family, or even enjoy a nice date at a restaurant. S. This definitely isn’t one of the most exciting welcome bonuses out there, though this is primarily a card you get because it’s a good fit for your long-term spending patterns.