The Amex EveryDay® Credit Card from American Express Turns Grocery Spending Into Travel Rewards: Review

Oct 06, 2016 | Be First to Comment!

american express everyday credit card review

If you’re tired of blowing your grocery budget each month, a rewards credit card may be the answer. The Amex EveryDay® Credit Card from American Express is designed for people who spend a lot on groceries and want to earn valuable points every time they stock up on essential eats.

With this card, you can earn two points per dollar at the supermarket, along with one point per dollar on all other purchases. If you make a certain number of purchases each month, you’ll be rewarded a 20% bonus on the points that you earned. One of the benefits of this card is that it participates in the American Express Membership Rewards® program, which comes with its own perks.

Earn Generous Rewards at the Supermarket

You’ve got two ways to earn points with the Amex EveryDay® Credit Card from American Express. First, you can earn two points per dollar on purchases at the grocery store, up to the first $6,000 in purchases each year. Once you hit that spending cap, you’ll keep earning one point per dollar when you’re cruising the supermarket aisles.

For all other purchases, you’ll earn one point per dollar. There’s no limit on how many points you can earn overall.

Tip: When you earn more rewards on a type of purchase, it doesn’t really matter what you buy. What matters is where you buy it. Therefore, you don’t have to buy groceries at supermarkets to earn 2x points. You’ll still earn that rewards rate if you buy gift cards and toiletries at the supermarket.

Earn even more points if you’re a regular spender

One of the standout features of the Amex EveryDay® Credit Card from American Express is the points bonus. If you use your card 20 or more times in a billing period, you’ll get 20% additional points on those purchases.

Effectively, your rewards rate would increase to 2.4% at supermarkets and 1.2% on everything else.

This table shows a hypothetical example of how the Amex EveryDay® Credit Card from American Express can be rewarding:

Amex EveryDay Points Earned + Bonus

Purchase type Monthly spending Points earned
Groceries $400 800
Gas $300 300
Entertainment $300 300
Dining out $300 300
Clothing $300 300
Bonus - 400
Monthly total $1,600 2,400

Do you use your card often enough?

To take full advantage of the Amex EveryDay® Credit Card from American Express, it is important to use the card at least 20 times per month. Otherwise, you're missing out on a lot of rewards. You can estimate if you will meet this requirement by reviewing your last year of credit card statements.

Are you posting 20 monthly credit card purchases? If not, you might consider another rewards credit card.

Putting Your Points to Work

Once your points start piling up, you have to decide what you’re going to do with them. The Amex EveryDay® Credit Card from American Express is part of the American Express Membership Rewards® program, so you’ve got some flexibility when you’re ready to start redeeming them. We’ve broken down some of various redemption options that are available to cardmembers.

Using your points for travel

One of the best ways to redeem your points through American Express Membership Rewards® is for travel. You can use your points for flights, hotels, cruises, and vacation packages. There are no blackout dates to worry about and you’ve got flexible seat selection when making airline reservations.

If you’re enrolled in a frequent flyer program, you can earn airline miles for that program when you book flights. Even better, you can transfer your points directly to selected frequent traveler programs. Partner airlines and hotels include:

  • JetBlue
  • Hawaiian Airlines
  • Delta
  • Virgin Atlantic
  • British Airways
  • Hilton HHonors
  • Starwood Preferred Guest

You have to link your American Express Membership Rewards® account with your frequent flyer or hotel loyalty account to make transfers. The transfer value varies based on the program. That’s something to keep in mind if you’re worried about getting the most mileage from your points.

Here are some examples of how much your points could be worth if you transfer them:

Amex Membership Rewards Points Transfer Value

Loyalty program Membership Rewards points Converted value
Delta SkyMiles 1,000 points 1,000 miles
Hilton HHonors 1,000 points 1,500 HHonors points
Starwood Preferred Guest 1,000 points 333 Starpoints
TrueBlue (JetBlue) 250 points 200 TrueBlue points

Besides transferring your points, you can also use them to pay for flights or reserve hotels through American Express travel. Again, the points value breaks down differently. Whenever you’re thinking about transferring American Express Membership Rewards® points, it is important to see what value you’ll get from those points under the loyalty program.

Occasionally, American Express will offer bonuses for transferring American Express Membership Rewards® points. When you take advantage of these promotions, you’ll be able to get free travel with fewer points.

Tip: Earn two American Express Membership Rewards® points per dollar when you pay for travel through the American Express Travel website.

Other ways to use rewards

If a trip isn’t in the cards anytime soon, you still have plenty of rewards choices. Gift cards are one option. You can redeem points for American Express gift cards, gift cards to select hotels and resorts, retail and restaurant gift cards, and gift cards for exclusive experiences.

You can shop with points at participating retail partners or at Amazon.com. Points can be used to purchase tickets through Ticketmaster, pay for your Uber ride, make a donation to charity, or get a statement credit for past purchases.

Here are some example of how you can use your points, along with a breakdown of what they’re worth.

Amex Membership Rewards Points Value

Redemption option (10,000 points) Cash Value
Statement credit $60
Starbucks gift card $70
Jackson Hole Mountain Resort gift card $100
Pay with Points at Amazon.com $70
Ticketmaster $50
Uber/NYC taxi fares $100

Generally, it is not a good idea to redeem each point for less than one cent in value. Most notably, this card isn’t good for you if you prefer cash back.

Other Perks Remains Standard

The rest of the benefits of the Amex EveryDay® Credit Card from American Express are rather standard for many credit cards. Nonetheless, they can come in handy if you need them.

Travel benefits

You don’t have to worry about getting in a jam on your next trip. This card comes with:

  • Travel accident insurance
  • Roadside assistance hotline
  • Global assist hotline
  • Car rental loss and damage insurance

Entertainment benefits

If you like to have a good time, this card can help you do that. You’ll get special members-only access to selected entertainment events. You can also take advantage of discounts and presale access to sporting events, concerts and more.

Shopping benefits

Extended warranty protection and price protection are both built into your card. You’re also covered by return protection and dispute resolution services if any fraudulent charges show up on your account.

American Express EveryDay vs. Other American Express Cards

The Amex EveryDay® Credit Card from American Express is just one of the many rewards credit cards from American Express. Depending on your spending habits, you might consider a different credit card that will provide more value.

The Amex EveryDay® Preferred Credit Card from American Express

The The Amex EveryDay® Preferred Credit Card from American Express is an upgraded version of the Amex EveryDay® Credit Card from American Express. You get an extra point per dollar on supermarket purchases, plus a shot at earning two points per dollar at gas stations. The monthly points bonus jumps up to 50% if you use your card to make at least 30 purchases during the billing period.

There’s one potential hiccup, however. This card has a $95 annual fee. You have to be sure you’re going to spend enough each year to earn back the cost in rewards.

Blue Cash Everyday from American Express

The Blue Cash Everyday® Card from American Express is an outstanding alternative if you’d rather earn cash back than points. With this card, you’ll earn 3% back when you shop at supermarkets, up to the first $6,000 in purchases each year. That’s $180 in cash back. You also get cash back at gas stations, supermarkets, and virtually everywhere else you make purchases.

Your cash back is earned as a statement credit. That takes the hassle out of redeeming it. There’s no annual fee with this one, which is nice if you don’t spend as often.

Blue Cash Preferred® Card from American Express

If you want to step up your cash back game, you might like Blue Cash Preferred® Card from American Express. This card pays 6% cash back at supermarkets, up to the first $6,000 in purchases. That’s $360 in cash back alone you could earn if you max out the bonus. You’ll keep earning 1% back at supermarkets if you hit that spending threshold.

This card also has a $95 annual fee. If you’re spending at least $31 per week on groceries, you’ll earn that money back. Cash back is applied as a statement credit so if you’re a heavy spender, you could use this card to rack up some decent savings.

Credit Card: American Express Cash Back Cards

Credit Card Cash Back
American Express Blue Cash Everyday Bonus cash back rates on groceries and department stores
American Express Blue Cash Preferred Extremely high bonus cash back rates on groceries and department stores

Credit Card: American Express Reward Cards

Credit Card Rewards
American Express EveryDay Earn bonus rewards at supermarkets
American Express EveryDay Preferred Earn bonus rewards at supermarkets and gas stations
American Express Green Earn rewards points under the Membership Rewards program
American Express® Gold Card Earn bonus rewards points on airlines and dining under the Membership Rewards program

Credit Card: American Express Travel Cards

Credit Card Travel
American Express Blue Sky Earn rewards points for travel statement credit
American Express® Premier Rewards Gold Card Earn bonus rewards points on airlines, dining, gas, and groceries. Get a $100 airline credit.
American Express Platinum Card Get access to premium travel perks including unlimited access to 900+ airport lounges, elite status with hotel loyalty programs, and more.

Credit Card: American Express Prepaid Debit Card

Credit Card Prepaid Debit
American Express Serve® Prepaid debit card with low fees and convenient features.

Final Verdict: For Frequent Grocery Shoppers Who Want Travel Rewards

We give the Amex EveryDay® Credit Card from American Express the nod for anyone who spends a lot on groceries each month and wants their rewards to go toward free travel. Certain gift cards would also be a good reward option. However, if you want other types of rewards on your high-volume supermarket purchases, the Amex EveryDay® Credit Card from American Express card isn't the best choice.

If you like cash back instead, we suggest that you consider either the Blue Cash Everyday® Card from American Express or Blue Cash Preferred® Card from American Express. The effective rewards rate on these cards will be higher for your grocery spending.

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