Amex EveryDay Preferred Credit Card
American Express American Express Preferred Pending
11
Benefits4
Reward Categories3x
Max Reward19.2%
APR FromBasic Information
PENDINGProgram ID: amex-everyday-preferred
Issuer: American Express
Card Name: Amex EveryDay Preferred Credit Card
Card Type: Credit
Network: American Express
Card Tier: Preferred
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| U.S. Supermarkets | 3x | Points | Earn 3X Points at U.S. supermarkets | $6,000 | |
| U.S. Gas Stations | 2x | Points | Earn 2X Points at U.S. gas stations | No Cap | |
| Amex Travel | 2x | Points | Earn 2X Points on purchases made directly from American Express Travel | No Cap | |
| Everywhere Else | 1x | Points | Earn 1X Point on all other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Membership Rewards Points
Base Rate: 1x
Bonus Rate: 4.5x
Categories: 3x US Supermarkets (up to $6,000 per calendar year), 2x US Gas Stations. Earn 50% extra points on all points earned in a billing period when making 30 or more purchases.
Quarterly Rotating: No
Cap Amount: $6,000.00
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: Delta SkyMiles, British Airways Executive Club, Air France-KLM Flying Blue, Virgin Atlantic Flying Club, ANA Mileage Club, Singapore Airlines KrisFlyer, Emirates Skywards, Etihad Guest, HawaiianMiles, Aeroplan, Marriott Bonvoy, Hilton Honors, Choice Privileges.
Redemption Penalties: No direct penalties for standard redemptions. An excise tax offset fee applies to transfers to US-based airline partners (e.g., Delta SkyMiles).
Benefits & Protections (Detailed) 11 Total
PENDINGCard Features 1
No Annual Fee for Additional Cards
No annual feeAdd Additional Cards with no annual fee and earn rewards on their purchases. Terms apply.
Payment Flexibility 1
Pay It Plan It®
Flexible payment options for purchasesPay It®: For eligible purchases under $100, you can use the Amex App to pay them off right away. Plan It®: For eligible purchases of $100 or more, you can select a payment plan with a fixed monthly fee and no interest. Terms apply.
Purchase Protection 2
Purchase Protection
Coverage for accidental damage or theft for 90 daysPurchase Protection can help protect eligible purchases made on your Card against accidental damage or theft for up to 90 days from the date of purchase. Terms, conditions and limitations apply.
Extended Warranty
Up to one additional year on manufacturer's warrantyWhen you use your Card for eligible purchases, Extended Warranty can provide up to one additional year to the original manufacturer's warranty. Applies to warranties of 5 years or less. Terms, conditions and limitations apply.
Rewards 3
Earn 2X Membership Rewards® points at U.S. supermarkets
2X pointsEarn 2X Membership Rewards® points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1X).
Earn 1X Membership Rewards® points on all other eligible purchases
1X pointsEarn 1X Membership Rewards® points on all other eligible purchases.
Monthly Purchase Bonus
50% more points (up to 3X points)Get 50% more points (3X points at U.S. supermarkets and 1.5X points on all other eligible purchases) after you make 30 or more purchases with your Card in a billing period.
Security 1
Fraud Protection
No liability for fraudulent chargesShop with confidence. You will not be held responsible for fraudulent charges if you take reasonable care to protect your Card from loss or theft and promptly report any unauthorized use. Terms, conditions and limitations apply.
Shopping Benefits 1
Amex Offers
Discounts and extra pointsWith Amex Offers, you can get discounts and earn extra points on things you already buy. Just add the offers to your eligible Card and use that Card to pay. Terms apply.
Travel Assistance 1
Global Assist® Hotline
Emergency coordination and assistance servicesWhen you travel more than 100 miles from home, Global Assist® Hotline can help with medical, legal, financial or other select emergency coordination and assistance services. Card Members are responsible for the costs charged by third-party service providers. Terms, conditions and limitations apply.
Travel Protection 1
Car Rental Loss and Damage Insurance
Coverage for damage or theft of rental vehiclesWhen you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter, you can be covered for damage to or theft of most rental vehicles. This is not a liability insurance. Terms, conditions and limitations apply.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING15,000
Points/MilesRequirement: Spend $2,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of statement closing after meeting the spend.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 19.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18+ years old, a US resident, possess a valid SSN or ITIN, and have a good to excellent credit history. Welcome Bonus Rule: One welcome bonus per card per lifetime. Application Rules: Max 1 credit card approval per 5 days, and max 2 credit card approvals per 90 days. American Express may also present a 'pop-up' warning during application if you are deemed ineligible for the welcome bonus based on your past card history with Amex.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: For the Amex Everyday Preferred, the primary bonus restriction is the 'one welcome bonus per card per lifetime' rule. While Amex has broader 'family rules' for some premium charge cards (e.g., Platinum, Gold), the Everyday Preferred's bonus eligibility is predominantly governed by its individual lifetime rule, meaning once you've received a bonus for this specific card, you are generally ineligible for it again.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.9 / 5.0
Top Positive:
Excellent rewards on groceries and everyday spending, valuable Membership Rewards points, and strong introductory offers.
Top Negative:
Annual fee for the Preferred version, foreign transaction fees, and limited bonus categories beyond groceries.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Amex Everyday Card
- Blue Cash Preferred Card
- American Express Gold Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $409.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0