The rewards offered by the Amex EveryDay® Credit Card are relatively modest, but they're certainly better than no bonuses at all, which is what many no-fee cards give you. NerdWallet values Membership Rewards points at an average of 1 cent apiece. So a 10,000-point offer equates to $100.
For a realistic chance at getting the Amex EveryDay Card, you need good or excellent credit. That means a credit score of 700 or above. If you don't have the credit score needed for Amex EveryDay, you can still get a credit card.
Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express usually recommend a 670+ score.
Featured Benefits
On Amex cards for good credit, people seem to report starting with limits of $1,000-$5,000 most often. But you should take any of these numbers with a grain of salt. Just because someone with a similar credit score or income got a certain limit, it doesn't mean you will, too.
Amex EveryDay also offers rewards on up to $6,000 spent at U.S. supermarkets each year but provides a lower earning rate: 2 points per $1. That rate also applies to eligible purchases made on amextravel.com. ... But all things considered, Blue Cash Everyday wins this category, thanks to its higher earning rates.
It's also available to people with bad credit, unlike anything Amex offers. None of the credit cards issued by American Express is especially easy to get because they all require a minimum of good credit. That means a score between 660 and 720, although a score of 700+ will give you the best chance.
The Amex EveryDay credit card offers decent points rewards on supermarkets and travel purchases, and has no annual fee. This card has as an attractive introductory points bonus of 10,000 when you spend $1,000 in the first three months of opening the account.
What credit score does American Express MyCredit Guide provided? The score provided by American Express MyCredit Guide is the VantageScore® 3.0 credit score by TransUnion®.
Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
Note that Amex will still report your statement balances to the credit bureaus, even if they don't affect your credit score. This means that other creditors looking at your report (for a mortgage or car loan, for example) will see the balance when deciding whether to approve you.
By most accounts, American Express does not do a hard pull to offer you a higher credit line. That means you don't have to worry about a negative effect to your credit score – whether or not your request is approved.
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