Amex EveryDay Preferred Credit Card
Basic Information
Program ID: amex-everyday-preferred
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:46
Last Scraped: 01/15/2026 05:42
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $20,000.00
Spending Requirement: $2,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Membership Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.50%
Bonus Categories: 4.5x U.S. Supermarkets (up to $6,000/year), 3x U.S. Gas Stations, 1.5x on all other eligible purchases (all rates assume 30+ purchases in a billing period; otherwise, 3x U.S. Supermarkets, 2x U.S. Gas Stations, 1x on others)
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
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, Hilton Honors, Marriott Bonvoy, and more.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility: Applicants must be 18 years or older, a US resident, possess a valid SSN or ITIN, and have good to excellent credit (typically FICO score 670+). Bonus Rule: One welcome bonus per specific card product per lifetime. Application Rules: Max 2 credit card applications per 90 days.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, reselling), high cumulative credit limit across Amex cards relative to income, rapid spending followed by immediate payment (credit cycling), spending patterns inconsistent with stated income or typical behavior, abuse of return policies or promotional offers, failure to pay on time, breaching Amex's terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Strong rewards on groceries, good for everyday spending, excellent customer service.
Top Negative Feedback:
Limited acceptance compared to Visa/Mastercard, foreign transaction fees, lower rewards outside bonus categories.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Blue Cash Preferred Card from American Express
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $175.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/26/2023 00:00