New credit card: Amex EveryDay℠

I’ve just received my new credit card, the Amex EveryDay℠. I liked the idea of having the benefits of all American Express cards (access, great customer service, yadda yadda yadda), but with no annual fee. The deal with it is that you get 2x points on groceries in the US and 1x on everything else. If you transact at least 20 times in a month, you get an additional 20% bonus on the entire month. Pretty cool for a free card!

The other card I actively use is the Chase Sapphire Preferred, which comes with a 40,000 point bonus, 2x points on travel and restaurants. And you can get further multipliers if you use Chase’s website’s travel search and links (e.g. 5x at macys.com, 20x at magazines.com). What makes this excellent for travel is no foreign currency fees. There’s no fee for the first year and $95 thereafter. Besides, it’s made of snazzy metal, which garners complements from most people who get to touch it. The new ones have a chip in them too! Credit Card Forum has a thorough review of this one.

Oh and one thing is true of both of the above: they both include a chip for more secure transacting overseas. Sadly, though, they don’t allow chip-and-PIN, so you always have to sign the old fashioned way.

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