American Express Amex EveryDay Preferred
American Express, American Express, $95 annual fee. Earns Amex Membership Rewards, valued at 2.00¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $805, or $710 after the fee.
Is the annual fee worth it?
It earns about $805 a year on the illustrative household's spending, which is $710 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $348 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries | 3x | Up to $6,000 per year, then the base rate. U.S. supermarkets, on up to $6,000 a year |
| Gas Stations | 2x | U.S. gas stations |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $360 |
| Everything Else | $120 |
| Restaurants & Bars | $72 |
| Gas Stations | $72 |
| Online Shopping | $36 |
| Utilities | $36 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- 50% extra points in any billing period with 30 or more purchases
Similar cards
- Wells Fargo Autograph Journey — annual fee $95 a year
- Bilt Obsidian Card — annual fee $95 a year
- American Express Business Green Rewards Card — annual fee $95 a year
- Chase Ink Business Preferred — annual fee $95 a year
- Every travel card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.