topic Re: Why nobody talks about Amex EveryDay Credit Card in Credit Cards

Why nobody talks about Amex EveryDay Credit Card

AyaMai — Thu, 12 Jan 2023 11:41:01 GMT

Does this card have any value?

Re: Why nobody talks about Amex EveryDay Credit Card

Yasselife — Thu, 12 Jan 2023 12:53:55 GMT

One of the best no annual fee card. Good way to start a relationship with Amex, high limit potential.

Re: Why nobody talks about Amex EveryDay Credit Card

Jeffster1 — Thu, 12 Jan 2023 12:58:27 GMT

Excellent card. I put my BCE to good use each month.

Re: Why nobody talks about Amex EveryDay Credit Card

wingennis — Thu, 12 Jan 2023 13:11:32 GMT

It has value if you want to start earning MR points but aren't ready for one of the high annual fee charge cards. It is also a way to keep your MRs if you have a charge card and close it. For people who don't have a folio of cards to maximize every single dollar and would prefer just a limited number, it is also potentially lucrative since you get a points bonus for meeting the 20 purchases/month for the ED and 30 for the EDP. It really could use some of the kinds of updates the Blue Cash Everyday/Preferred have gotten. It's been a while. Green/EDP is not a bad combination at all for people who consider travel more than planes and hotels.

Re: Why nobody talks about Amex EveryDay Credit Card

wingennis — Thu, 12 Jan 2023 13:10:47 GMT

@Jeffster1 wrote:
Excellent card. I put my BCE to good use each month.

The OP seems to be talking about the Everyday not the Blue Cash Everyday.

Re: Why nobody talks about Amex EveryDay Credit Card

SouthJamaica — Thu, 12 Jan 2023 13:55:20 GMT

@AyaMai wrote:
Does this card have any value?

~~Excellent card, especially valuable for the 3% across the board on online purchases.~~

Oops, I thought you were talking about the Blue Cash Everyday Card.

The Everyday card has value only if you treasure Amex MR points.

Re: Why nobody talks about Amex EveryDay Credit Card

805orbust — Thu, 12 Jan 2023 14:15:38 GMT

The ED was my first Amex back in the days my rebuild started @AyaMai . It was my go to daily driver for years. Started at a $1000 limit in 2015/2016? It's at $27k now and has since been upgraded to the Preferred. I even love the clear appearance. Got me started into MR's and even has bonuses when you hit a certain amount of swipes per month. Great card to start with in the Amex world

Re: Why nobody talks about Amex EveryDay Credit Card

BronzeTrader — Thu, 12 Jan 2023 15:46:30 GMT

@AyaMai wrote:
Does this card have any value?

This serves only as a starter card. Minimal earning and benefits. Almost any MR card is better than this one.

Re: Why nobody talks about Amex EveryDay Credit Card

AZ-Jeff — Thu, 12 Jan 2023 15:59:31 GMT

Don't feel bad since I didn't know the Amex EveryDay card existed until now. Very confusing to name two different cards the same "EveryDay". The marketing genius couldn't come up with a new name? Just sayin'.

Re: Why nobody talks about Amex EveryDay Credit Card

Anonymous — Thu, 12 Jan 2023 16:24:39 GMT

@AZ-Jeff wrote:
Don't feel bad since I didn't know the Amex EveryDay card existed until now. Very confusing to name two different cards the same "EveryDay". The marketing genius couldn't come up with a new name? Just sayin'.

Oh, it's much worse than that! The Blue Cash cards (apart from OBC) has Blue Cash Everyday and Blue Cash Preferred, so Everyday and Preferred are "opposites", indicating which Blue Cash card it is. In contrast, there is the Everyday Preferred, which even (to me anyway) sounds wrong!

Re: Why nobody talks about Amex EveryDay Credit Card

xenon3030 — Thu, 12 Jan 2023 17:08:30 GMT

This card is good to have as back-up for MR points, since Plat/Gold/Green cards have AF. One may do upgrade/downgrade game between ED/EDP, in case of receiving good bonus. The return is smaller vs BCE/BCP.

The ED/EDP are in my lists in this year and I am waiting for a good SUB to apply for one of them.

Re: Why nobody talks about Amex EveryDay Credit Card

wasCB14 — Thu, 12 Jan 2023 17:21:47 GMT

1.2x+ on everything was good...in the days before CFU and DC. Now it's pretty mediocre. CFU and DC require annual fee cards to transfer miles though (apart from DC to JetBlue at an inferior rate IIRC).

If someone is going to use a card frequently and really likes MRs, then there might be more value in an EDP. But even there, you're paying $95 for a card with no credits vs. paying $155 more for Gold with a higher supermarket cap and $240 in credits.

Notably, I say this with a BofA 2.625% card, a BBP, and a Business Platinum. So I'm not lacking in off-category cards.

I got 40k MRs to upgrade my SDed ED to and EDP a year ago. I'll be downgrading again soon.

Re: Why nobody talks about Amex EveryDay Credit Card

simplynoir — Thu, 12 Jan 2023 17:34:03 GMT

The ED and EDP are just in a weird spot in the MR earning cards lineup. They both need a rework but has been ignored by AMEX in favor of their charge card counterparts. I think if one was invested completely in earning MRs it's worth it for off-category spending especially EDP at 1.5x if you can make the thirty purchases in that statement period but there is a better alternative in the BBP card with 2x on everything and comes with a generous $50k cap. I know some will probably say "but I don't have a business" but I'll say is AMEX is very flexible on this

Re: Why nobody talks about Amex EveryDay Credit Card

coldfusion — Thu, 12 Jan 2023 18:00:32 GMT

@simplynoir wrote:
The ED and EDP are just in a weird spot in the MR earning cards lineup. They both need a rework but has been ignored by AMEX in favor of their charge card counterparts. I think if one was invested completely in earning MRs it's worth it for off-category spending especially EDP at 1.5x if you can make the thirty purchases in that statement period but there is a better alternative in the BBP card with 2x on everything and comes with a generous $50k cap. I know some will probably say "but I don't have a business" but I'll say is AMEX is very flexible on this

x1000

BBP is also a card mentioned when someone with a large collection of UR wants to get out of the ecosystem but isn't ready to use them up.

Re: Why nobody talks about Amex EveryDay Credit Card

Anonymous — Thu, 12 Jan 2023 18:06:40 GMT

@coldfusion wrote:
BBP is also a card mentioned when someone with a large collection of UR wants to get out of the ecosystem but isn't ready to use them up.

Or even better if they have MR!

Re: Why nobody talks about Amex EveryDay Credit Card

NoMoreE46 — Thu, 12 Jan 2023 21:04:33 GMT

😆

The first rule of .......

Re: Why nobody talks about Amex EveryDay Credit Card

juanxincai — Sat, 14 Jan 2023 03:15:31 GMT

Got 40k MR upgrade offer twice over the past two years. The first was for 2k spend in 3 months and the second one was for 2k spend in 6 months.

I used my ED/EDP only for the upgrade offers and nothing else. I can also keep my MR points if I decide to close my Gold and Platinum cards

Re: Why nobody talks about Amex EveryDay Credit Card

AyaMai — Sat, 14 Jan 2023 23:18:53 GMT

@xenon3030 wrote:
This card is good to have as back-up for MR points, since Plat/Gold/Green cards have AF. One may do upgrade/downgrade game between ED/EDP, in case of receiving good bonus. The return is smaller vs BCE/BCP.

The ED/EDP are in my lists in this year and I am waiting for a good SUB to apply for one of them.

I have one American Express credit card slot free or none to apply for since I have Blue Cash Everyday, Blue Cash Preferred, Marriott Bonvoy Brilliant & Hilton Honors and an authorized user on my spouse Delta Gold Card. 0% intro APR on purchases and balance transfers for 15 months from the date of account opening Amex EveryDay Credit Card is tempting to get if I do get an upgarde offer for Hilton Honors Surpass or Aspire.

Re: Why nobody talks about Amex EveryDay Credit Card

redpat — Tue, 17 Jan 2023 13:46:44 GMT

Refresh of Gold hurt the ED cards.

Re: Why nobody talks about Amex EveryDay Credit Card

Absolution16 — Sat, 18 Mar 2023 01:09:52 GMT

@xenon3030

@wasCB14

@juanxincai

Question for you guys and any others who may want to chime in:

I have 9K BCE and 20.5K EDP. If I were to decide to downgrade from EDP to ED, what is a smart way to go about to ensure that I avoid CLD/AA/closure due to SD'ing ED and low use? Is it recommended that I transfer some of the CL into BCE, which will absorb all the spending I have been putting into EDP?

I really want to avoid CLD/AA/Closure. Already been hit with closure with Chase and Barclays, and CLD with Capital1, as well as "forced" PC with Discover.