Amex EveryDay Preferred Credit: is the $95 fee worth it?
The honest math on the Amex EveryDay Preferred Credit Card: what its points earn beyond a plain 2% card and what its protections would cost to buy — against the $95 annual fee.
American Express · $95 annual fee · earns Membership Rewards
Closed to new applicants.
Earning rates
- 3x US supermarkets (on up to $6,000/yr, then 1x)
- 2x US gas stations
- 2x Bookings via AmexTravel.com
- 1x Everything else
Protections and perks (4)
- Purchase Protection — New purchases covered 90 days against theft or accidental damage, up to $1,000 per covered purchase.
- Extended Warranty — Adds a year to eligible manufacturer warranties of 5 years or less.
- Return Protection — Up to $300 per item if a US merchant won't take back an eligible return within 90 days.
- Car Rental Loss and Damage Insurance — Secondary collision/theft coverage on rentals paid with the card when you decline the counter's CDW — pays after your personal auto policy.
Recent changes to this card's data
2026-09-04 — Amex EveryDay Preferred Credit Card
- Verified accurate — no changes. Still closed to new applications. Fee, earning rates, and coverages re-confirmed (degraded mode, 4 secondaries) against thepointsguy.com, awardwallet.com, financebuzz.com, and upgradedpoints.com.
- Amex has moved this card's four benefit-detail pages behind a cardmember login, so their now-dead links were removed from the affected benefits; the dollar figures themselves rest on the earlier direct capture and no current source disagrees with them.
2026-08-21 — Amex EveryDay Preferred Credit Card
- New card added:
amex-everyday-preferred. $95 annual fee, Membership Rewards currency. Source: https://thepointsguy.com/guide/credit-card-review-the-amex-everyday-preferred-credit-card - Marked closed-to-new — Amex confirmed in Sept 2024 the card no longer accepts new applications; existing cardmembers keep it. Source: https://thepointsguy.com/guide/credit-card-review-the-amex-everyday-preferred-credit-card
- Earning rates: 3x US supermarkets on up to $6,000/yr (then 1x), 2x US gas stations (shown, not auto-counted), 2x AmexTravel.com bookings (portal-only, so shown but not auto-counted), 1x everything else. Sources: https://thepointsguy.com/guide/credit-card-review-the-amex-everyday-preferred-credit-card, https://awardwallet.com/credit-cards/amex-membership-rewards/amex-everyday-preferred/, https://financebuzz.com/american-express-everyday-preferred-review, https://upgradedpoints.com/credit-cards/reviews/amex-everyday-preferred-credit-card/
- Coverages added: Purchase Protection ($1,000/covered purchase, $50,000/account/yr), Extended Warranty ($10,000/item, $50,000/account/yr), Return Protection ($300/item, $1,000/account/yr), Car Rental Loss and Damage Insurance (secondary, excludes Australia/ Italy/New Zealand, no card-specific dollar ceiling published, so none is shown). Sources (card-specific detail pages, confirmed live in-browser): https://global.americanexpress.com/card-benefits/detail/purchase-protection/amex-everyday-preferred, https://global.americanexpress.com/card-benefits/detail/extended-warranty/amex-everyday-preferred, https://global.americanexpress.com/card-benefits/detail/return-protection/amex-everyday-preferred, https://global.americanexpress.com/card-benefits/detail/car-rental-insurance/amex-everyday-preferred
- No no-foreign-transaction-fee benefit added — the card charges a 2.7% foreign transaction fee, per secondary reporting.
- Not counted yet, rather than guessed: the card's signature "50% extra Membership Rewards points when you make 30+ purchases in a billing period" — a retroactive, swipe-count-triggered boost across every category that the calculator can't yet express honestly, so it's left out of the earning math for now (an under-count for frequent swipers, never an overstatement).
- Excluded as issuer-generic non-monetizable extras (sibling Amex cards omit these too): Amex Offers, ShopRunner, Amex Special Ticket Access/entertainment, CreditSecure, FICO score access.
Card data verified against American Express on 2026-09-04.
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