Amex EveryDay Card Turns U.S. Grocery Runs into 2X Points, 20% Bonus and $0 Annual Fee

Everyday value for U.S. grocery runs

The Amex EveryDay Card is built for people who make weekly trips to U.S. supermarkets and want points instead of cash back. With 2X Membership Rewards points per dollar at eligible U.S. supermarkets (on up to $6,000 per year), it quickly adds value to routine grocery spending while keeping the cost low with a $0 annual fee.

Because it carries no annual fee, the card is an easy add for households looking to squeeze more value from regular purchases without a higher-cost premium product. If you shop at the big national chains, the EveryDay card turns ordinary grocery runs into a steady stream of points that stack up over time.

Use it often to unlock the 20% bonus

One of the EveryDay’s standout features is the 20% bonus on points earned when you make 20 or more purchases in a billing period. That bonus multiplies your Membership Rewards and rewards consistent card use—perfect for families who buy groceries, gas, and takeout multiple times each month.

Combining 2X points at supermarkets with the 20% usage bonus makes the Amex EveryDay Card surprisingly competitive among no-fee cards. The trick is simple: spread small transactions across the month to hit the 20-purchase threshold and maximize your return on everyday spending.

Fees, rates and real-world limits

While the card has $0 annual fee, you should note the ongoing variable APR range (typically in the high teens to upper 20s) and the 2.7% foreign transaction fee—so it’s not ideal as your primary travel card. New cardholders also get a 0% intro APR on purchases for a limited introductory period, which can help with short-term financing needs.

There’s also the $6,000 annual cap on 2X supermarket earnings; after that threshold, purchases earn only 1 point per dollar. For heavy grocery spenders or frequent travelers, other cards may deliver stronger long-term value despite charging an annual fee.

Redemption options and who should apply

Membership Rewards points are flexible: transfer partners, travel bookings via Amex, or statement credits (less value). If you value flexibility and occasional travel redemptions, the Amex EveryDay Card’s points can be stretched further by moving them to airline or hotel partners when transfer bonuses appear.

The ideal applicant lives in the U.S., spends regularly at supermarkets, and prefers a $0-fee rewards card with simple mechanics. To get the most, use the card for multiple small purchases to reach the 20-purchase bonus and pair it with a dedicated travel card for foreign trips to avoid foreign transaction fees.