The Amex EveryDay Preferred Card has a reasonable fee, has valuable bonus categories, and even offers even more bonus points if you make at least 30 transactions every billing cycle. It's potentially the most rewarding personal Amex card for everyday spending.
Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Your Card gives you the option to carry a balance with interest or pay in full each month.
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.
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.
Compared with many other American Express cards that earn Membership Rewards points, The Amex EveryDay® Preferred Credit Card from American Express charges a more palatable $95 annual fee.
Nerdy tip: You can upgrade or downgrade between the Amex EveryDay® Credit Card and The Amex EveryDay® Preferred Credit Card from American Express, but not beyond — meaning you can't request a product change from one of these Membership Rewards-earning cards to, say, an AmEx card that earns cash back (like the Blue Cash ...
The Amex EveryDay® Credit Card from American Express credit limit is determined on a case-by-case basis. There isn't even a minimum limit listed in the terms and conditions. It all comes down to your credit history, income and debt, plus Amex's particular preferences and priorities.
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.
To prepare, you might want to have at least three cards: two that you carry with you and one that you store in a safe place at home. This way, you should always have at least one card that you can use. Because of possibilities like these, it's a good idea to have at least two or three credit cards.
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®.
American Express uses Experian most of the time. Though Amex will use the other 2 major credit bureaus, TransUnion and Equifax, for some applications, they pull Experian for the majority. Amex usually only does hard credit pulls for new applications.
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.
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