Why nobody talks about Amex EveryDay Credit Card

[xenon3030]

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.

[wasCB14]

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.

[simplynoir]

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

[coldfusion]

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@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

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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.

[longtimelurker]

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@coldfusion wrote:

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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.

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Or even better if they have MR!

[NoMoreE46]

😆

The first rule of .......

[juanxincai]

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

[AyaMai]

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@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.

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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.

[redpat]

Refresh of Gold hurt the ED cards.

[Absolution16]

@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.