American express everyday card review – is heartburn an early sign of pregnancy

For shoppers who thrill at the opportunity to earn rewards on their grocery store purchases, American Express cards are some of the most coveted grocery cards in existence. While few cards without an annual fee can beat the 3 percent U.S. supermarket bonus on American Express’s most popular grocery card – the Blue Cash Everyday card – the American Express Everyday card offers a good alternative for card members who prefer to collect American Express rewards points over cash back.

The American Express Everyday card offers a 2 percent bonus on U.S. supermarket purchases, and gives that bonus a 20 percent boost anytime you make 20 purchases in a month. Essentially, you have the chance to earn a 2.4 percent bonus rate on U.S. supermarket purchases. For cardholders who rely on a single card for most of their purchases, this is a pretty good deal, since they can easily trigger the bonus.

However, if you are in the game of collecting American Express rewards points, you are likely juggling multiple cards at once, which makes the Everyday card trickier to manage. You need to use the card often, early in the month to get the most out of the card’s bonuses, all while trying to figure out which purchases you can apply the card to that don’t get in the way of your bonus earnings on your other cards. In other words, if you are planning to use this card to pool rewards points, you should be prepared to do some extra maintenance. Solid rewards rate

For a no-annual-fee card, the American Express Everyday card offers a good rewards rate. The base rate is two points for U.S. supermarket purchases and one point on everything else. (Note: Superstores such as Target and Walmart are not included in the supermarket category.) Once you exceed 20 purchases in a single month, a 20 percent bonus kicks in, boosting your rate to 2.4 points on groceries and 1.2 points on everything else. There are only a handful of no-fee cards that offer a better rewards rate. However, if you are purely searching for the highest rewards rate on a no-fee card, you can do better: Some no-fee cards offer a general rewards rate as high as 2 percent. Great rewards for U.S. supermarket purchases

The American Express Everyday card really shines as a grocery store card. The 2.4 percent rate that you can potentially earn on purchases at U.S. supermarkets is bested only by a handful of other cards, including the American Express Blue Cash Everyday and Preferred cards. However, it takes quite a bit of card usage to reap the full bonus on the American Express Everyday card and – unless you save all of your grocery shopping till later in the month – it may be difficult to put 20 purchases on your card early enough in the month to activate the bonus for most of your grocery store purchases.

In the meantime, there are plenty of cards that can match the Everyday card’s 2 percent bonus rate on U.S. supermarket purchases, and many of these cards don’t put a cap on this bonus (the Everyday card limits the bonus rate to the first $6,000 in grocery purchases per year). Thus, the card only makes sense as a grocery card if you are able to modify your spending habits to get the most out of its rewards rate. Mediocre bonus

The American Express Everyday card offers a 10,000-bonus to new cardholders who manage to spend $1,000 on the card in the first three months. While a $100 worth of points is a nice bonus for signing up for the card, there are a plethora of cards – including many no-fee cards – that offer much larger sign-up bonuses. On the plus side, the $1,000 spending requirement is very modest compared to the requirements for other sign-up bonuses. Fairly flexible rewards program

The American Express Everyday card allows you to redeem rewards points on a wide variety of categories – including travel, merchandise, gift cards, entertainment and cash back (i.e., statement credits) – and does not impose restrictions, blackout dates or expiration dates on its rewards. Also, it is one of the few cards that allows you to transfer your points to travel partners at a 1:1 ratio.

The rewards program does have a couple of major drawbacks, however. One is the $6,000 limit on the bonus for grocery purchases, which is probably easily reached by many cardholders. The other problem is the extreme restrictiveness of the statement credit option. Unlike most point-based rewards cards, which usually allow you to apply statement credits to any purchase, and even sometimes allow you to deposit your cash back into a bank account, the American Express Everyday card only allows you to apply statement credits to purchases in some spending categories. Also, the value of points for cash back is low. While the average travel reward gives you 1 cent per point, you only get 6 cents per point for statement credits. Point transfers offer the best value

Transferring points through the American Express Everyday card is a very good deal. American Express has a large number of travel partners, including several major airlines, that you can transfer points to at a high 1:1 ratio. While the average travel reward redeemed through the American Express rewards website gives you a value of 1 cent per point, you can get values much higher than 1 cent per point through some of these travel partners. The Everyday card is thus a good card to pair with other cards, if you are trying to collect airline rewards points. Good purchase features

The American Express Everyday card comes with a smattering of standard travel and purchase protections, including car rental insurance, roadside assistance, extended warranty, purchase protection and return protection. While these features probably suffice for a card for grocery store purchases, you can find better (and far more enticing) frills with a premium rewards card. Why get the American Express Everyday card?

• Since the bonus rate on grocery store purchases is high, this is a great grocery card to juggle with other rewards cards, but it requires some extra planning – you’ll need to figure out the best kinds of purchases to put on it early in the month to trigger the 20 percent bonus, while also maximizing your rewards earnings on your other cards.

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