Amex EveryDay Preferred Credit Card
$95 annual fee · 1x on everything else · 2.7% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3x | on the first $6,000/year |
| Gas | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best groceries cards · best gas cards.
Non-cash perks
- 50% extra Membership Rewards points in any billing cycle with 30+ purchases
- Car Rental Loss and Damage Insurance (secondary)
- Global Assist Hotline
- Purchase Protection and Extended Warranty
- Send & Split
- Membership Rewards transfer partners
Does the fee earn out? · how we got this
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $2,879 of groceries spending at 3x (valuing Amex Membership Rewards at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. three things on this card rule out a kind of spender:
- Anyone applying today. The issuer no longer opens this card to new applicants. It stays published because people still hold it, not because it can be applied for.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.7% foreign transaction fee. On a card earning 1.1¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- A heavy groceries spender. The 3x on groceries stops after $6,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first $6,000 only.
Comparing cards in the same currency? See the best cards that earn Amex Membership Rewards →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.doctorofcredit.com · upgradedpoints.com. This card is closed to new applicants. Spot an error? Tell us.