American ExpressAmex EveryDay Credit Card
The only no-fee personal Membership Rewards card. Closed to new applicants since 2024.
Welcome Bonus
10,000
≈$200 value
Spend Requirement
$2,000
in 6 months
Annual Fee
$0
2.7% FTF
Credit Score
670+
(Good)
Current offer note: Last public offer. Closed to new applicants 9/25/24
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xUS supermarkets (up to $6k/yr)
- 2xEligible purchases via AmexTravel.com
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦20% extra points with 20+ purchases per billing period
- ✦Full Membership Rewards transfer access
- ✦Amex Offers
Why it earns its spot
- +Was the only $0 fee personal card with full MR transfer access
- +The 20% transaction bonus rewarded daily-driver use
Where it costs you
- −Closed to new applicants since September 2024
- −Modest earn rates even with the bonus
The Compound Verdict
For years this was the secret no-fee anchor for personal Membership Rewards accounts, and its closure left a real gap in the lineup. Existing holders should keep it forever: it protects your points at zero cost.
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