topic Re: Safe to Make Amex Everyday My Only Amex? in Credit Cards

Safe to Make Amex Everyday My Only Amex?

Ushio — Mon, 15 Jun 2026 15:20:48 GMT

I have an Amex Everyday and a Green Card, but I have been debating closing the Green and just letting the Everyday be my only Amex.

The thing that concerns me about this plan is just that the Everyday is a legacy card you cannot get anymore, and the product change options are essentially nonexistent at the moment. I would like to maintain a credit card with Amex long term, and I am wondering if I am setting myself up for issues if I go all in on the Everyday.

I know Amex has historically allowed discontinued cards for long periods of time. But are they likely to open up a product change option for my account if they decide to end the card entirely?

Just looking for perspectives from people who have longer term experience using Amex. I know no one is going to be able to say anything with certainty.

Re: Safe to Make Amex Everyday My Only Amex?

pauldc73 — Mon, 15 Jun 2026 21:56:24 GMT

As long as you are happy with this card, then there's no reason to change.

For me, I would make sure you have a Visa and a Mastercard as a backup.

The MR points are not that great a redemption rate but at least there are benefits!

(disclosure - I have the same card also just sitting there waiting for good offers to be displayed once logged in!)

Re: Safe to Make Amex Everyday My Only Amex?

SeanA — Mon, 15 Jun 2026 22:32:37 GMT

You could always apply for another Amex later. It's not like a lapse in cardmembership disqualifies you.

Re: Safe to Make Amex Everyday My Only Amex?

dfwxjer — Tue, 16 Jun 2026 00:47:32 GMT

Keep the everyday card as long as you can. It's a no annual fee card to keep your MR balance intact. They don't currently have a no annual fee MR card and you can't PC to one.

Re: Safe to Make Amex Everyday My Only Amex?

redpat — Tue, 16 Jun 2026 01:50:05 GMT

@dfwxjer

To the contrary, Amex BBP card.

Re: Safe to Make Amex Everyday My Only Amex?

FicoMike0 — Tue, 16 Jun 2026 03:32:50 GMT

Another optional, the rewards checking is no fee and earns mr points

Re: Safe to Make Amex Everyday My Only Amex?

dfwxjer — Tue, 16 Jun 2026 04:12:50 GMT

@redpat wrote:
@dfwxjer
To the contrary, Amex BBP card.

That's true, I guess I need to form an LLC one of these days...

Re: Safe to Make Amex Everyday My Only Amex?

crystal626 — Tue, 16 Jun 2026 04:58:57 GMT

@dfwxjer wrote:
@redpat wrote:
@dfwxjer
To the contrary, Amex BBP card.
That's true, I guess I need to form an LLC one of these days...

You don't really need one just to open business cards with AMEX. If you've got a side hustle pulling in $1K or more a year, you can apply as a sole prop with $1K business income (the application won't let you proceed if you don't put down four digits) and your SSN.

Re: Safe to Make Amex Everyday My Only Amex?

USMCOne — Tue, 16 Jun 2026 09:55:35 GMT

That's true, I guess I need to form an LLC one of these days...

You don't have to. Just put in your name of whatever etc they will approve it. Its base on your credit worthiness and no proof required. Got one a year ago. One of the best cards I got. So many things are not covered by stuff its a powerfull card for MR points.

Now when it comes time to say increase the limit they will ask for some things. They scanned my checking account looking for business transactions saw none they wanted so did not get it lol. Got a 20k increase on my Amex BCP card and simply transfered some of that line of credit to it..problem solved.

Usally they are running a easy bonus which is not wrapped up with the consumer line ones and zero interest for first year.

Re: Safe to Make Amex Everyday My Only Amex?

dfwxjer — Tue, 16 Jun 2026 16:08:22 GMT

@USMCOne wrote:
That's true, I guess I need to form an LLC one of these days...
You don't have to. Just put in your name of whatever etc they will approve it. Its base on your credit worthiness and no proof required. Got one a year ago. One of the best cards I got. So many things are not covered by stuff its a powerfull card for MR points.

Now when it comes time to say increase the limit they will ask for some things. They scanned my checking account looking for business transactions saw none they wanted so did not get it lol. Got a 20k increase on my Amex BCP card and simply transfered some of that line of credit to it..problem solved.

Usally they are running a easy bonus which is not wrapped up with the consumer line ones and zero interest for first year.

Thankfully my MR needs are covered by my Platinum card, but if I ever do go through with closing it then I'll check in to the BBP as a placeholder for MR points.

I'm extremely risk-averse with Amex so I've never explored the business side. That said, I need to form an LLC anyway for our rental properties so maybe I need to dig in to business card offers. We certainly have qualified expenses...

Re: Safe to Make Amex Everyday My Only Amex?

Thomas_Thumb — Tue, 16 Jun 2026 22:55:52 GMT

@Ushio wrote:
I have an Amex Everyday and a Green Card, but I have been debating closing the Green and just letting the Everyday be my only Amex.

The thing that concerns me about this plan is just that the Everyday is a legacy card you cannot get anymore, and the product change options are essentially nonexistent at the moment. I would like to maintain a credit card with Amex long term.

Just looking for perspectives from people who have longer term experience using Amex.

Close the green card. The above posts capture options for potential paths forward.

Re: Safe to Make Amex Everyday My Only Amex?

Realist — Sat, 27 Jun 2026 02:33:51 GMT

You can use it as your AMEX card sure, but for anyone that may not know, always be sure to keep a spare (non-AMEX) in the wallet. Not every place accepts AMEX.

I usually have a line for that.

They say "Is that American Express? We don't take American Express".

I have to say "Ok no problem. I have a back up."