AmEx EveryDay Credit Card Offer: 25,000 Points + 0% APR For 15 Months With $0 BT Fee
Update 05/21/18: Reposting as this is showing up for people again frequently.
Update: It’s actually possible to get the 25,000 offer with the 0% APY/no BT fee when using incognito mode.
The Offer
You must use the incognito mode trick to get the 25,000 offer. More on that here.
- American Express is offering a new bonus on the Amex EveryDay card:
- Earn 25,000 points after you spend $2,000 or more within the first three months
- Receive a 0% introductory APR on purchases and balance transfers for 15 months, then a variable APR of 14.24% to 25.24%
- No balance transfer fee for first 60 days
Card Details
- No annual fee
- If you’ve hard this card before, you’re not eligible for the sign up bonus on this card
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases
- Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits
- You cannot get the bonus on the cards if you’ve ever had the card before
Our Verdict
Update: Now that this offer is 25,000 points + 0% introductory APR and no BT fee it’s definitely worth doing. 25,000 points is the highest bonus we’ve seen on this card, so the 0% APR no BT fee is just an added bonus. This is definitely going on our best credit card bonus page.
It’s currently possible to get a bonus of 25,000 points after $2,000 in spend within three months on this card by using the incognito mode methods. Obviously this offer is 15,000 points less but does come with the 0% APR no BT fee offer. I think most people will be better off with the higher points offer, but if you need to float money or are trying to pay down credit card debt then this offer could make sense.
It’s interesting to see American Express enter this 0% APR no BT space and this is actually the best offer of this type in the market (Chase offers the same with the Chase Slate, as does Bank of America with the BankAmericard Credit Card but neither come with any points sign up bonus). Citi have previously stated that they were exiting the competitive rewards space to focus on these types of offers, so they won’t be happy with this change of direction. I suspect we will see more of these types of offers to come as interest rates rise.
As always before applying for this card, I’d strongly recommend you read these things everybody should know about American Express credit cards. It includes things such as the reconsideration number to call if your application is denied.
Hat tip to DDG
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I saw this when attempting to get the 25,000 offer in incognito mode.
One user stated they got the 25,000 offer AND the 0% offer in incognito mode on the previous post you have regarding the 25,000 point offer.
These are the same MR? So this would be a good card to open up to keep my MR if I want to cancel my platinum?
Yes. All MR points are tracked under a single MR account. Opened this card for exactly this reason.
I am opening the Everyday for the same reason – to cancel my platinum. Thank you for asking this question, i was curious about the same thing. If anyone sees any issue with cancelling the plat, and opening this card to keep MR alive then please let us know. Thank you!
No issue, this is basically the “recommended” way to hold onto your MR points. Just be careful about the AMEX crackdown on people who only hold the Platinum for 12 months.
go on?
for only 12 months or less than 12 months? because the fine print when applying for plat. clearly says 12 months.
Hi,
Can you please advice if the MR points account is still the same even if you have different amex login user_ids for two cards like Platinum and everyday?
I like to have two different logins to get the Amex offers on both the cards simultaneously.
I’m seeing a 15,000 points signup bonus with the 0% BT offer. Cant get the 25k no matter what I try.
Same here
see my commnet
Only go the 15k with $1k spend and $0 BT too. I even tried three browsers.
see my commnet
It certainly takes time, just gotta be persistent. I’d recommend opening up the browser and doing a couple refreshes from time to time while doing other things.
I’ve been able to get all the incognito offers I’ve wanted to get, eventually.
Keep trying, use incognito mode on different browsers and different devices. I have got this pretty consistently.
I’ve tried it over weeks in Incognito mode and I finally received it today! Try today! Close out and try again.
see my commnet
I can send you a referral for 15,000 points after spending $1000
I’d like that referral. Can you post the link here?
Here is a referral link for the 15K. [don’t post you’re referral links here. WTF!!!]
You are lucky :). i used yours as incognito for 2000$ isn’t working for me. Cheers!!
please do not post your referral links in threads like this. We have dedicated posts for sharing links.Please be more considerate and careful in the future.
Where is the dedicated posts?
https://www.doctorofcredit.com/increased-american-express-credit-card-bonuses-incognito-mode-back-list-offers-ymmv-2/
Please don’t do this in here! There was a post JUST a few days ago about referral link abuse.
Chuck and Will are kind enough to create this site, keep it up to date and (most importantly) independent, and, on top of that, allow referral links in dedicated posts.
Please don’t come in here and piss all over it.
wow this is SUPER tempting!
A 0% BT fee definitely makes me consider jumping in on this.
Can you be give more context why do you think 0%APR a good deal? Per my experiment it is useless since if you transfer large balance (like 10% of total credits across all cards) to a CC it ends up result in sharp credit score drop. The interest you saved is way less compare the huge drop of credit score. This is a pure negative action in my mind.
Your credit score shouldn’t really be affected. The only thing that is changing is your credit utilization on that specific card (your overall credit utilization should actually improve as you’re increasing the amount of credit you have access to). If you’re carrying a balance then your credit utilization overall will increase though, which is what I suspect you’re talking about. That will really depend on how much overall credit you have access to.
I recommend reading our post on the FICO score to better understand this: https://www.doctorofcredit.com/credit-scores/fico-score/
Thanks for the response Will.
I think what JoJO was concerned about is- there is a perception out there that you should never be utilizing more than 30% of credit on any individual card, even if your total utilization is low. Are you saying that this is actually a mistaken belief, and that all that matters is your TOTAL utilization across all cards? If so, it would be no big deal to max out this offer even to 100% if the credit limit, as long as you have enough other cards with high credit limits that you aren’t using, to keep the total low. If that is the case, this offer becomes even better and I think a lot of people would be interested to know 🙂
Credit utilization has two scoring factors. The most important scoring factor is your overall credit utilization, individual credit utilization does play a minor part but it isn’t significant enough that it should play a major part in your credit score. That being said this depends on your individual credit profile, if you have a thin profile then something like this would obviously be given more weighting and will have a bigger negative impact. It’s not something that I would be personally concerned about, but will vary from person to person. I guess you can always complete the BT and see how it affects your score and then pay it off if the negative impact is too big for you personally. This is still a great offer without the 0% APY/no BT fee.
Well, a few months ago I got a 18 months BT 0% offer from one of my Capital One CC with a 2% BT fee (effective around 1.3% annual cost).
So I took out 19.5K just to do get extra cash flow for bank bonus + park it on high yield saving 3% signature bank, 5% insight etc. The BT fee got pay off by the Popular bank $500 bonus. Now I just allocate it between high yield and other bank bonus.
As for the impact on my credit score, if I look at my score from Chase credit, I got maybe a 10 point hits from 786 to 775, The FICO provide by Amex show no hit stay at 790.
My total credit line is around 110K and we are talking about a 18% credit utilization and the CapitalOne card have 98% utilization. I always pay off my balance for all the other credit so the only loan I have is this BT plus my mortgage. No car loan or other loan etc
I regularly floated $10k-$30k for months while I was front-loading my 401k in the last years. Yes, my 3.0 VantageScore probably dropped by about 100, and I figured that VantageScore 3.0 is *much* more sensitive to per-card balances than FICO versions, and I can’t track that daily, so I think the effect there is even less.
If your FICO is still over 750, it doesn’t matter much, worst case your credit limit will be smaller, but you still get the card and its bonus.
Unless your credit is really new, or iffy to start with, its not a problem. Most people with fairly long credit histories won’t see a noticeable drop. Also, if you’re credit is high enough after the drop, you don’t have to worry about getting rejected for new cards.
Personally, my score dropped only around 10 points when I did a balance transfer offer that maxed out my credit utilization on that card. My total credit lines are well over $100,000 and I the only loan I have is my mortgage.
Can I do the balance transfer from another American Express card? It is a business card.
Failing that- can I use the balance transfer to get the funds deposited to my checking account? Or do I need a card with an actual balance to do this for? I’ve never done a balance transfer before so I’m not sure the rules. What happens if I do a balance transfer to a card that has no balance? Does it just go to negative and then the bank sends me a check?
This is what popped up after I just applied and was approved:
Request up to 4 balance transfers from other credit card accounts
Please Note:
1. The total amount of balance transfer request(s) must not exceed $7,500 or 75% of your credit limit, whichever is smaller.
2. The fee for balance transfers is $0. Balance transfers must be requested within 60 days from account opening.
3. Balances may not be transferred from any account issued by American Express or affiliates.
4. Please refer to the terms and conditions for complete details.
In the event that you request multiple transfers, each transfer will be processed in the order that we deem appropriate for business or other reasons, up to the applicable limit.
When I clicked on the box to complete a transfer, I was prompted to enter the amount, credit card # and card card issuer, so you probably cannot transfer into your bank account. You might be able to transfer to a credit card and create a credit balance, and then request a check.
Check out this thread from FicoForums.
http://ficoforums.myfico.com/t5/Credit-Cards/My-Balance-Transfer-to-Checking-Account-Experiment/td-p/1933965
It is old, but according to the OP it worked to put in his checking account number instead of a credit card number, and the funds were applied to his checking account. No routing number needed- instead, the mailing address of the bank was entered, so they mailed his bank a check and the bank applied it to his checking account using the account number he entered. If this works, it seems safer than creating a large negative balance on a credit card- I’m pretty sure this looks suspicious to credit card issuers.
Any DPs out there on if the method in the above-linked thread still works today?
Some banks (BofA maybe) allow “BT” to cash out. Not sure about AmEx.
Would transferring balance to a card with no balance, then cashing out the ‘extra’ work maybe?
Capital One allows sending check to your address . So you can request for check from COne and then transfer COne balance to another 0% credit card.
Some credit card companies treat balance transfer checks that are deposited into a bank account different from ones that are used to pay off loans. I think Navy Federal does, for example.
So be careful and read the terms and conditions carefully.
Keep in mind that some banks will not accept a payment of significant amount if there is no balance. They may simply return your payment.
You can almost never do a BT from the same issuer, I know with American Express it’s not possible either. You can’t do a BT into a checking account either. You’d need a card with an actual balance
Thanks for the response Will.
How does the bank completing the balance transfer- in this case, American Express- know that the card number you’ve given them refers to an account that has zero balance? Assuming the transaction goes through- will there be any negative consequences applied by the bank that receives the transfer, since it puts me in a negative balance?
Doc, do you know can i get another amex everyday card, if i already have one? Please advise as i have a lot of CC debt to consolidate and this can be great for me. thanks!
You definitely won’t be able to get a bonus, I suspect they will deny you for the card as well.
thanks Will, Was on the verge of applying 🙂 Also i can generate a link for 15k points and have my wife apply for the same card, will i get the 10k referral bonus in this case if we both live in the same address? Are there any restrictions?
No
I was approved for a second Everyday card, without bonus (of course), but with the APR and BT offers.
I confirmed via chat before applying that I was eligible for the 0% APR and no fee BT offer.
I will get 3% back on a large foreign travel expense on my Uber card, then BT to a new, second, Amex card.
Tapped-out these days with most issuers except Amex.
Thanks, good to know. Will add this as a point in the post.
If you have a CC with another bank with no BT Fee, you can transfer your AMEX balance to your other bank card and transfer the other bank card’s balance to your AMEX ED card and essentially transfer your credit balance from one AMEX to another and without any fees if done right. For example, I have a few Cap1 QS cards with no BT fee. I can transfer a balance from my AMEX card (card 1) to my Cap1 card, and after the BT is complete, transfer my Cap1 balance to my AMEX card (card 2). This results in $0 fees/interest. In my case, Cap1 does have a 24.24% interest rate for BTs, but as long as you transfer out of that bank card before the payment is due, you won’t be charged any interest fees.
In general you can’t balance transfer within the same company.
my amex blue card was converted to Everyday without my request. Since i already have a Everyday card(converted from blue and no signupbonus) am i eligible for this bonus?
Probably would have to change out of that card so you don’t have an EveryDay card when you apply.
If I already have an Everyday card, I should still be able to open a second ED card to take advantage of the $0 Fee 0% 15 month BT promo, right? I know I won’t be eligible for sign up bonuses and am only looking for a good BT offer, plus I have $20K in credit I can shift from another AMEX card to this one within the first 60 days which makes this offer more enticing.
You can shift credit to the new card only after it’s been open 60 days.
In my experience, I’ve been able to shift credit as early as 30 days after my account is open.
I was permitted to move credit the next day or might have been the same day. $10,000 from blue to everyday, but I realized later I shouldn’t have. Max Bal xfer on any 1 card is $7500 even though I still have $13k available. They said $7500 is the max. I said for how long? They said “forever”… Don’t know how accurate that is, but that’s what they said.
Hi Doc, I’m using your link on the ‘Offer’ section and only seeing a 15,000 pts offer even in incognito mode. Am I doing something wrong?
Just keep trying to bring it up and use the other methods in the linked post as well.
What are people doing with these BTs? Back before 2008, these were everywhere and awesome b/c you could get 4.5% or so on that money in a savings account. Just want to make sure I’m not missing some other benefit on these…
You can get similar rates now on rewards accounts.
I have a giant chunk of 0% BT earned cash floating around for maxing out checking account rewards. It’s a lot easier to leave 15k in an account for 60 days than jumping through the DD hassles and watching for monthly fees.
I agree! That’s what I’m doing also.
if i have the AMEX PRG and plan to close it soon because of the annual fee and If I get this one, Will it help to keep the membership points I have earned on the PRG alive?
Of course
Hi Doc,
Can I confirm with you that MR from this card can be transferred to airlines?
Correct, they are standard MR. Card can also be used as a fee free option for keeping your points alive.
Just got the 25K to show up after about 10 attempts. Thanks DOC:)
What link did you use to get the 25k offer after 10 attempts, please
DB
I used this link. It worked for me too after several attempts and I was also under VPN (US Central zone) https://www.doctorofcredit.com/amex-everyday-25000
I didn’t use a link. After opening incognito browser, I typed in americanexpress.com. Then I selected personal cards. I did not log in. One thing I did that I havent seen mentioned is when using VPN, try connecting to different locations each time