*Please note that Amex Everyday credit cards are currently unavailable to new applicants.
If you are in the market for cards that earn points on American Express Membership Rewards Programthere are many options to consider. However, some cards in the program have higher annual fees (up to $695) thanks to cardholder perks, reward rates and overall value proposition.
American Express Green Card® and Amex Everydain® Credit Card Both cards earn membership reward points with low annual costs. The American Express Green Card charges an annual fee of $150, but the Amex Everyday credit card allows you to earn Amex points without an annual fee.
If you’re ready to earn flexible rewards from Amex, but are unsure which of these two cards is better for your situation, learn how they are compared in the most important categories.
Main details
|
American Express Green Card |
AMEX Daily Credit Card |
|
|
Welcome offer |
Earn 40,000 Membership Reward Points after spending $3,000 on purchases in the first 6 months of your card membership |
Earn 10,000 Membership Reward Points after spending $2,000 on a purchase within the first three months of your card membership (Note: This card is no longer available to new applicants). |
|
Remuneration rate |
3x Membership Reward Points (including airfares, hotels, cruises, tours, car rentals, campsites, vacation rentals, travel purchases booked through third-party websites, American Express trips). 3x points on transit (including trains, taxis, ride-sharing services, ferries, tolls, parking, buses and subways). 3x points at restaurants around the world (including takeout and delivery in the US). 1x points on all other purchases |
Double Membership Rewards refer to points at US supermarkets (up to $6,000 a year, then 1x points). Double the travel purchases booked through American Express Travel. 1x points on all other purchases. 20% bonus on points when using your card more than 20 times during the billing period |
|
Intro April |
None; Normal 20.74% to 28.74% Variable APR |
0% intro APR of purchases and balance transfers for 15 months from the account opening date (therefore 17.74% to 27.74% APR); if you need to transfer your balance within 60 days of account opening and the balance transfer fee of 3% or $5, whichever is greater, |
|
Foreign transaction fees |
none |
2.7% |
|
Annual fees |
$150 |
$0 |
American Express Green Card vs. Amex Daily Credit Card Highlights
One of these cards charges an annual fee, while the other one may seem like an easy choice between the two. However, there are still other metrics to consider. For example, how can reward rates and welcome offers compensate for the annual fee?
Welcome Offer Winner: American Express Green Card
The American Express Green Card boasts a 40,000 point welcome offer to anyone who can spend $3,000 on a purchase within six months of opening an account. While $3,000 may seem steep, math still has an advantage on the American Express Green card. At a rate that costs $500 a month for the first six months, you can get a welcome offer four times the size of your Amex Everyday credit card welcome offer, but you’ll have to spend an additional $1,000 overall.
Consider that Value of AMEX Membership Reward Points If redeemed with a travel partner, it may cost up to 2 cents each. A welcome offer on the Amex Green card is worth up to $800. This is worth up to $200 compared to Amex’s welcome offer every day. However, please note that the Amex Everyday Card is no longer available to new applicants.
Reward Rate Winner: American Express Green Card
Also, the American Express Green card appears first due to its reward rate. This expands more points in the best categories and does not have a revenue cap. Those who sign up for this card will earn 3x points on restaurants and travel related purchases around the world. Cardholders also earn 1x points flat rates on everything else.
In contrast, Amex Everyday offers double points (1x points at the time) for spending up to $6,000 in US supermarkets each year, double points for travel purchases booked through American Express Travel, and 1x points for all other purchases.
If you use your card more than 20 times, you will receive a 20% point bonus every day for each AMEX billing cycle, but your highest rate of return is up to 2.4x points. The bonus reward cap for US supermarket spending significantly limits your revenue potential.
Annual fee winner: Amex Everyday Credit Card
Simply put, Amex Everyday doesn’t have an annual fee, so you win with an annual fee. This makes this card a great option for those who hate fees or don’t think they’ll make enough money from their rewards to compensate for the extra fee.
Intro APR Winner: Amex Everyday Credit Card
Amex Everyday offers a 0% intro APR with 15 months of purchases and balanced transfers followed by a 17.74% to 27.74% variable APR. (You must transfer your balance within 60 days of opening an account and are eligible for a 5% or 3% fee, whichever is higher.) Savings from this offer can be substantial when you make large purchases over time and balance in cases of tight cash, or you need to get a balance from a card with a high interest rate and get a balance without interest.
In contrast, the American Express Green Card does not offer an introductory period for APR, and its variable APR range is high, ranging from 20.74% to 28.74%.
Which cards make the most money?
If you’re wondering which cards will remain “first” in terms of rewards, it really depends on the category you spend the most. Think about this example of spending and how it applies to spending habits and reward goals.
Why do I need to get an American Express Green Card?
Amex Green cards offer better reward possibilities for most people, but there are additional factors to consider other than the rate of return on each card. There are other details to keep in mind when deciding on these two: American Express Card.
Additional benefits
If you travel from time to time, you will love the benefits that the American Express Green Card offers. Don’t you just get $199 credits each year? Clear Plus Membershiphowever, you will also get baggage insurance plans, secondary car rental coverage, access to the Global Assist Hotline, purchase protection against damage or theft of eligible items that come with the manufacturer’s warranty, and an extended warranty.
And as we have already mentioned, the American Express Green Card will not be charged Foreign transaction fees If used to purchase overseas.
Redemption options
You can redeem your Amex Membership Reward Points in a variety of ways, including gift cards, products, and travel through the Amex Travel portal. You can also transfer points Amex Airline and Hotel Partners.
Recommended Credit Score
Consumers need good or good credit to qualify for an American Express Green card. Card issuers do not publish the standard, but if your credit score is 700 or higher, your approval odds will increase.
Why do I need to get an Amex Everyday credit card?
If you’re chasing your Amex Everyday credit card without an annual fee, Amex Everyday should be at the top of the list. Here are other details to keep in mind when making your decision:
Additional benefits
One of the biggest advantages of AMEX is the 0% offer to introduce APR on purchases and balance transfers. This lasts for 15 months (APR that fluctuates from 17.74% to 27.74%; it must be completed within 60 days of account opening, and the fee will be charged if the fee is 5 or 3%, whichever is greater). Beyond that offer, cardholders are also eligible for a variety of other benefits, including secondary vehicle rental coverage, access to the Global Assist Hotline, and AMEX dispute resolution.
Redemption options
With your Amex Everyday credit card, you can access all of the same membership rewards redemption options as your American Express Green card. This includes point transfers to airlines and hotels.
Recommended Credit Score
Consumers need good or good credit to qualify for an Amex Everyday Credit card. Card issuers do not publish the standard, but if your credit score is 700 or higher, your approval odds will increase.
Conclusion
Deciding on these two reward cards is extremely difficult. If you’re looking for something good Travel Reward Credit Card This gives you plenty of opportunities to earn triple points. After that, the American Express Green Card may be even better for you, even if it has an annual fee of $150. If you’re not interested in travel and want a simple card that allows you to earn points on general purchases, the Amex Everyday Card might be the right choice.
Still, you might want to compare others Rewards your credit cardIncludes other cards from American Express. The right cards (or card combinations) are there, but you may need to dig to know for sure.
Information about American Express Green Card® Amex Everydain® credit cards are collected independently by Bankrate and are not reviewed or approved by the publisher.
