Stretch Your Grocery Budget with the Amex EveryDay Credit Card, 2X Points, 20% Bonus and $0 Annual Fee at U.S. Supermarkets
Amex EveryDay Credit Card turns your U.S. supermarket trips into Membership Rewards with 2X points, a 20% points boost for frequent use, and a $0 annual fee
Why the Amex EveryDay Credit Card stretches your grocery budget
The Amex EveryDay Credit Card is designed for people who shop regularly at U.S. supermarkets and want real value without paying an annual cost. With a $0 annual fee, this card turns routine grocery runs into Membership Rewards that add up fast.
If groceries are a big share of your monthly spending, the Amex EveryDay Credit Card gives a simple path to rewards: 2X points at U.S. supermarkets up to the annual cap and flexible redemptions through the American Express ecosystem. That makes it a top pick for everyday spenders in the U.S.
Rewards breakdown: 2X points, 20% bonus and Membership Rewards
You earn 2X points per dollar at U.S. supermarkets on the Amex EveryDay Credit Card (up to $6,000 per year), then 1 point thereafter—these are Membership Rewards points, valuable for travel transfers or statement credits. The card also offers a 20% bonus on points when you make 20+ purchases in a billing cycle, which boosts the effective return for frequent shoppers.
New cardmembers often get a welcome offer of bonus Membership Rewards points after meeting a minimum spend, and the combination of 2X points plus the 20% bonus makes the Amex EveryDay Credit Card competitive among no annual fee options. For grocery-focused households, that extra 20% bonus can meaningfully increase point earnings.
How to maximize the Amex EveryDay Credit Card
To squeeze the most value from the Amex EveryDay Credit Card, concentrate supermarket bills and small, regular purchases on the card until you hit 20 transactions each billing cycle. The more often you use it, the likelier you are to earn the 20% bonus on top of the 2X points at U.S. supermarkets.
Pair Membership Rewards redemptions strategically—transfer points to airline or hotel partners when transfer bonuses appear, or use points for travel booked via amextravel.com to increase value per point. Using the Amex EveryDay Credit Card for everyday categories beyond groceries, like select travel, also helps accumulate rewards faster.
Fees, travel perks and final takeaways
One of the biggest selling points of the Amex EveryDay Credit Card is the $0 annual fee, which lowers the break-even for rewards. Keep in mind a variable APR applies after any introductory period and a 2.7% foreign transaction fee makes it less ideal for international use. Still, for domestic supermarket-focused spending it remains strong.
Travel perks include 2 points per dollar on eligible travel booked through Amex and access to American Express customer service and protections, which pair well with Membership Rewards flexibility. If your primary goal is to earn 2X points at U.S. supermarkets, capture the 20% bonus with frequent use, and avoid an annual fee, the Amex EveryDay Credit Card is a practical, wallet-friendly option.