EveryDay Preferred
American Express$95 a year2.7% foreign transaction feeIssuer's page
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$174 |
| Annual fee | −$95 |
| First year | $79 |
| Each year after | +$204 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | US Grocery Storesup to $6K per year, then 1X | 4.5% |
| 2X | US Gas Stations | 3% |
| 2X | AmexTravel.com | 3% |
| 1X | Everything else | 1.5% |
Personal card · Earns American Express Membership Rewards
Benefits
Protections (4)
- Purchase Protection, up to $1,000, 90 days coverage for theft/damage, up to $1,000 per occurrence, $50,000 per calendar year
- Return Protection, up to $300, Return items within 90 days for a refund if the merchant won't accept the return
- Extended Warranty, up to $10,000, Extends the original manufacturer's warranty by up to 1 additional year, on original warranties of 5 years or less. Up to $10,000 per covered purchase and $50,000 per eligible card per calendar year.
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage for rental car damage or theft, up to $50,000
Other Perks
- Earn 50% more points when you use your card 30 or more times in a billing period
- Global Assist Hotline: 24/7 emergency coordination services when traveling more than 100 miles from home
The American Express EveryDay family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to EveryDay PreferredOct 8, 2026
- changed from null to creditSep 2, 2026
- changed from None (Previously available bonuses may no longer apply) to nullJul 28, 2026