The AmEx EveryDay Credit Card (ED) Credit Card Overview

[Updated 2024.9] It seems that this card can no longer be applied for starting today. The previous application link now shows a loading error. Is it out of print? Or is it being revised? HT: US Card Forum duck_king.

[Updated 2024.8] A new card design appeared in the AmEx app (HT: US Card Forum Max10), but the application link on the official website is still the old card image. Now you can replace the card to get the new card image. Some people speculate that this indicates that this card will be revised soon.

[Updated 2021.1] Recently, this card is no longer able to redeem the 25k MR sign-up bonus. The current highest bonus is only 10k.

Application Link

• AmEx EveryDay (ED)

feature

1. 10k sign-up bonus: Earn 10,000 Membership Rewards (MR) after spending $1,000 or more within 3 months of account opening.The highest sign-up bonus is 25k.
2. The points earned from this card are Membership Rewards (MR), which we estimate to be 1.6 cents/point. See below for a brief introduction. Therefore, the highest sign-up bonus of 25k is worth about $400!
3. 2x MR in supermarkets, 1x in other categories.
4. If the number of consumptions reaches 20 or more times in a billing cycle, the MR earned from consumption in that billing cycle will be increased by 20%: 2.4 MR (~3.8%) for supermarkets and 1.2x (~1.9%) for other categories.
5. It is very easy to apply. You can apply once you have a credit record for 3 months (please make sure you can check your credit record first). I have seen several successful cases like this around me.
6. No annual fee!
7. This card can be used AmEx OfferThere are often some good merchant discounts, such as Walmart $15 return $5, such as Amazon $75 return $25.
8. This card's rebate is Membership Rewards, which is different from cards with particularly high sign-up bonuses such as PRG,AmEx Platinum The points you earn are the same, so in the future, if you no longer want the annual fee card, you can transfer the Membership Rewards to this no-annual-fee card and keep them.
9. This card can Refer a friend: If you recommend this card to a friend and they apply successfully, you can earn 7.5k MR points for each successful application, up to a cap of 55k / calendar year.

shortcoming

1. The spending limit for 2x MR per calendar year is $6,000, after that it is only 1x.
2. according to Definition of American ExpressWalmart, Target, and Costco are not considered supermarkets, so you can only get 1x.
3. This card is an American Express card, not a Visa or MasterCard, so some small Chinese supermarkets may not accept it.
4. The 2x category is only available in the U.S. But this card has a Foreign Transaction Fee anyway, so just don’t use it outside the U.S.

Introduction to MR Points

• The main credit cards that can earn MR points are:AmEx ED, AmEx EDP, AmEx Green, AmEx Gold, AmEx Platinum, AmEx Platinum for Schwab, AmEx Platinum for Morgan Stanley, AmEx Blue Business Plus, AmEx Business Green, AmEx Business Gold, AmEx Business Platinum etc.
• The MR points accumulated from each MR card are automatically accumulated to the same MR account.
• MR points never expire. Closing a card will not cause the MR points accumulated on that card to disappear, but if you close all MR cards, all MR points will disappear. In order to avoid the loss of MR points, it is recommended that you hold a no-annual-fee card for a long time. AmEx ED.
• If you hold any MR card, you can convert MR into some airline miles. The most common and cost-effective way to use MR is to convert 1:1 into All Nippon Airways (ANA, NH) Miles (Star Alliance). Other recommended miles include: Air Canada(AC)(Star Alliance),Delta Air Lines(DL)(Trina),British Airways(BA)(Universe),Cathay Pacific Asia Miles(Universe),Singapore Airlines(SQ)(Star Alliance),Air France-KLM Flying Blue(Trina),Virgin Atlantic (VS)(Non-alliance) etc. If used this way, the points are worth about 1.6 cents/point.
• Holders of any MR card can directly redeem points at a fixed value of about 1 cent/point on AmEx travel portal Book your flight online.
• In holding AmEx Platinum for Schwab If you have the MR points card, you can redeem them at a fixed rate of 1.1 cents/point. If you don’t like to study miles, this is a good option. If you don’t have this card, you can only redeem MR points at a fixed rate of 0.6 cents/point.
• In summary, we estimate the value of MR points to be approximately 1.6 cents/point.
• For more information on the MR Points system, seeMaximize the value of your credit card points” (review) andHow to earn MR points》《MR Points Usage》(Super detailed).

Recommended application time

1. [Limited to once in a lifetime for the same card] You can only get the sign-up bonus once in a lifetime, so be sure to wait until the highest offer in history appears before applying!
2. 【New】【Same series restrictions】AmEx has begun to gradually limit the sign-up bonuses of the same series of cards: the high annual fee card will affect the low annual fee card. Specifically, if you have opened an EDP with a high annual fee, it will affect the sign-up bonus of the ED with a low annual fee, so if you want to get both, it is recommended to open an ED first.
3. When you apply for a card, AmEx may pop up a window to inform you that you cannot get the sign-up bonus for this card because you have a bad relationship with AmEx. In this case, just use your existing AmEx card more often and try not to close it. It may be possible to wait for a while. For details, see "AmEx pop-up analysis》.
4. AmEx is not sensitive to the number of Hard Pulls.
5. You can try to apply if you have a credit history of more than three months.
6. The application interval for ED/EDP cannot be less than 90 days, otherwise the application will be cancelled.
7. A maximum of 2 credit cards can be approved within 90 days. Charge cards are not subject to this rule. Cards approved on the same day will have their Hard Pulls combined.
8. You can hold up to 5 AmEx credit cards at the same time, but charge cards are not subject to this rule.

Summarize

As a credit card that can be obtained early (with a credit history of 3 months), this card is worth applying for! As the only personal card that can retain MR points without an annual fee, it is also worth holding for a long time! Note that this card is not the best choice for grocery shopping cards. For details, see "Comparison of common grocery/supermarket credit cards》.

I recommend a method to complete the number of consumptions. If the time is almost up and there are still a few consumptions left, you can use it to quickly complete the task:Amazon Gift Card ReloadThe minimum reload amount each time is$0.5【Update】$5.

Related credit cards

• AmEx EveryDay (ED) (this article)
• AmEx EveryDay Preferred (EDP)
• AmEx Blue Cash Everyday (BCE)
• AmEx Blue Cash Preferred (BCP)
• AmEx Old Blue Cash (OBC)

After applying

• AmEx application status check Click here.
• AmEx reconsideration backdoor number: 877-399-3083. American Express actually protects its real backdoor very well. Generally speaking, when you call it, the customer service there will help you submit various requests. Unlike Chase, you cannot directly contact the person with decision-making power.

Sign-up bonus trend chart

Application Link

• AmEx EveryDay (ED)