2X Membership Rewards points per dollar at:

U.S. supermarkets (up to $6,000 spent annually)

American Express Travel

1X Membership Rewards point per dollar for all other purchases

20% point bonus: For making 20 or more purchases per month

Introductory Bonus Offer

10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months


Regular APR

13.99%–24.99% (V)

Annual Fee


Foreign Transaction Fee



You can apply for the card online via the official website. Once the bank receives your application, you should expect a decision via mail within 7-10 business days after the application was submitted.



Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

it's easy and free to enroll for card members

Amex Offers rewards you at places you like to shop, dine, travel, and more.

card acceptance

Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.

Amex EveryDay® Credit Card

From good To exceptional ( Credit Recommended Good )

Amex EveryDay® Credit Card

The Amex EveryDay® Credit Card (Review) is a rare breed because it offers a top-notch balance transfer deal — a long intro period and no transfer fee — along with a solid rewards program (most great balance transfer cards don’t have very good rewards).

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pros and cons


Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.‡


At US supermarkets on up to $6,000 per year in purchases (then 1X).‡


Earn 1X Membership Rewards® point for every eligible dollar you spend. Terms and Limitations Apply.‡

No cash back.


Annual Fee


Purchase APR


Foreign Transaction Fee

Cash Back


Credit Score


No Annual Fee Credit Cards For Long 0% Balance Transfer APR

If you need a card with a long 0% intro APR for purchases, it will be hard to beat the U.S. Bank Visa® Platinum Card.

Rotating Bonus Categories

A typical rotating bonus category earns 5%, while other cards are limited to earning 2% or 3% cash back, says Daniel Gillaspia, travel and rewards expert and founder of the travel rewards blog UponArriving. Category choices are gas, online shopping, dining, travel, drugstores, or home improvement/furnishings.

Food (Restaurants and Groceries)

The Bank of America® Cash Rewards Credit Card (Review) is one of the most flexible cash back cards around, with a 3% bonus category you can change every month. Dining is one of your choices, along with quite a few other useful options, and you’ll always get grocery stores for one of your smaller categories.

No Annual Fee Credit Cards For Bad Credit

Secured cards are designed for people with bad, limited, or no credit, so they usually come with pretty unfavorable terms. But the Discover it Secured is different, and even provides a decent rewards program. Not only that, your cash back is doubled for the first year! That’s even better than some reward credit cards.

No Annual Fee Credit Cards For Travel Rewards

No-annual-fee travel credit cards offer rewards for no yearly cost of card ownership. This can be appealing to frugal or infrequent travelers. Keep in mind, however, that these cards lack the richer rewards and perks of cards that do charge annual fees. For some travelers, paying an annual fee is worth it thanks to those incentives, which can include things like travel credits, bonus rewards, airport lounge access, free checked bags, priority boarding, hotel status and more.

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Related Credit Card/Article

If you’re new to travel credit cards the Propel could be a good place to start. It has no annual fee and provides the opportunity to earn points back on travel, gas, restaurants, and some eligible streaming services (a rare feature). You’ll also get a solid 0% intro APR on purchases and balance transfers.
Wells Fargo Propel American Express® card
This popular no annual fee Chase Visa card offers 5% cash back in categories that rotate every three months. If you don’t like being tied down to just a few bonus categories, the Freedom gives you opportunities to earn on different purchases throughout the year.
Chase Freedom®
The Blue Cash Everyday Card from American Express is a solid rewards card, offering cash back at U.S. supermarkets and U.S. gas stations, as well as a valuable statement credit. It comes with some handy benefits too, like access to Amex Offers and some shopping/travel protections. And as an added bonus, it carries no annual fee.
Blue Cash Everyday® Card from American Express