Researching America Express everyday card? Duane here with how to build credit
TV. And in this video I'm gonna be having to look at the American Express everyday
card and what it has to offer so that you guys know what to expect if you're
interested in getting this particular card, the make an Express everyday card.
But before we get started I have a quick message. Once again my name is Duane with
how to build credit TV. And on this channel we talk about everything you
need to know about credit and ways to improve your credit score. We also talked
about how to get cash back actual cash money from using credit cards, as well as
credit card reviews. If this sounds like something in which you're interested be
sure to subscribe to our channel by clicking the word subscribe to the
bottom right of this video and click the notification bell so you don't miss a thing.
Ok so you might be interested in getting
an American Express card and you're doing some research on
American Express. Well American Express actually offers a lot of different
credit cards and in this video I'm going to be talking about the American Express
everyday card. So for this portion of the video I'm gonna jump on my laptop so
that you guys can have a look with me at the website so that you can see exactly
what American Express has to offer in this particular card the American
Express everyday card. So I'll see you guys in one second on my laptop. Ok
so we're at the American Express website to have a closer look at the American
Express everyday card. It says the card that rewards your everyday 0 balance
transfer fee offer plus earn 15,000 membership reward points after you use
your new card to make one thousand dollars on purchases in your first three
months. Zero balance transfer fee balance transfers must be requested
within 60 days of opening the account. This offer may not be available if you
leave the webpage and return later. Ok they need to tell you that I guess, of
course there's no annual fee which is one of the things that I do like about
this card. There is a 0% introductory APR on purchases and balance transfers for
15 months and then there's a variable APR of fourteen point seven four to
twenty five point seven four. If you have other credit cards or one particular
credit card that has a lot of money on, if you want to save yourself some money
you can transfer the balance all of it or part of it to your American Express
everyday card and you would pay no interest for up to 15 months. So this
would be a good way to save yourself some money because most credit cards
have a very high interest rate. That's why I encourage you to pay it all off if
possible. Okay so of course it says how Membership Rewards points add up of
course there's different things going on here. It says earn 20% more points make
20 or more purchases with your card in a billing period and earn 20% extra points
on those purchases less returns and credits. And so of course there's terms
of condition that applies to that, you guys can read up on that. The next
category says two times points at supermarkets you get two times the
points at u.s. supermarkets up to 6,000 dollars per year in purchases. I'm
sure that after you meet the spending requirement on that let's say you spend
$6,000 at grocery stores then you probably get just one point instead of
two points. And then it says one point on other purchases one point for every
eligible every eligible dollar you spend it talks about payment flexibility right
here on the left, it says your card gives you the option to carry a balance with
interest or pay in full each month. So whether you're managing your monthly
expenses or making a large purchase you can have the payment flexibility you
need while continue continuing to earn rewards. That's pretty
straightforward guys it talks about the membership as far as the card members
you guys can sign up for American Express offers rewards. You at places
like places to shop dine travel and more says get your offers of course you can
sign up for that type of stuff. One of the things that I think is pretty cool
about this card, of course there's tabs here you guys can
navigate through these tabs talks about rewards of course talks about travel and
some of the insurances that they provide in regards to travel or protection. It
also talks about shopping and entertainment. I like this one I want to
bring to you guys attention. It says wasn't a perfect match? No worries if you
try to return an eligible item purchased with your car within 90 days from the
date of the purchase and the merchant won't take it back the return protection
may provide a refund and of course it says may provide a week refund, but
that's still kind of cool. The fact that you know you have the option to see if
you can get a refund from American Express if the merchant won't take back
the product. It says limited to three hundred three hundred dollars per item
and one thousand dollars per calendar year, purchases must be made within the
US and its territories. I think that's pretty straightforward
This card is pretty much a you know regular credit card that gives you the
opportunity to make points on your spends, whether it's at supermarket this is
pretty much like a I guess it's really beneficial in the supermarket Department
is concerned. And if you spend a lot of money or you make a lot of transactions
for the month you can get 20% more points which is really cool if you're
using your credit card quite a bit so this card by American
Express the American Express everyday credit card I think it's a pretty decent
card if you're looking to get started with American Express.
There are certainly other cards that they offer that if you're interested in
like travel and stuff like that you may want to consider those cards, but I think
this is a decent card to get started like I said with the American Express.
The American Express everyday card. Alright I'll see you guys back in the
video give me one second. Thanks for watching this video if you liked the
video give us a thumbs up it helps our channel quite a bit, and if you want to
share this video with someone that may find it helpful please feel free to do
so. If you haven't subscribed to the
challenge yet you can subscribe by clicking the words subscribe to the
bottom right of this video. Once again on this channel to talk about everything
you need to know about credit whether you're looking to establish credit, build
credit, rebuild credit or learn more about the FICO score and how it is
comprised so you can increase your credit score. If this sounds like
something in which you're interested be sure to subscribe to the channel and
click the notification bell so you don't
two thing. As a matter of fact subscribing right now will help our
channel grow faster which will allow us to do two things. Number one: get this
information out to more people and number two: make it a lot easier to
continue to upload videos just like this one. So if you're new here please
subscribe. Once again my name is Duane with how to build credit TV and I
approve this video. Thank you for watching and I'll see you guys in the
next video. Until next time take care and be blessed. Peace!