Is the Amex EveryDay Preferred Credit Card worth $95/yr?
The honest math on the Amex EveryDay Preferred Credit Card: which credits you'd actually use, 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.
Card data verified against American Express on 2026-08-21.
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