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Some American Express cards have annual fees in the neighborhood of $400 – $500 per year and up. Believe it or not, many of those cards can still be “worth it” depending on how you use the perks, but there’s no question that not everyone wants or needs a card with a roughly $500 annual fee in their wallet.
Heck, many of us don’t even want a card with any annual fee in our wallet. Even though cards with annual fees can absolutely be worth it depending on how you use the awards and perks they deliver, I completely understand wanting the economic sensibility that comes from focusing on cards with no annual fee.
Can American Express Cards With No Annual Fee Access Amex Offers?
A question I have received several times in recent weeks is whether there is an American Express Card with no annual fee that can take advantage of the various Amex Offers statement credits that we have seen pop up. These Amex offers have been incredible for families like mine as they have included statement credits for purchases at Amazon.com, Whole Foods, Diapers.com, Toys R Us, Westin, Undercover Tourist, and tons more.
On just one of the several Amex cards I have in play I have already saved $425 since May of 2014 via Amex Offers thanks to earning statement credits on things I was going to buy anyway. I can guarantee that total will increase quite a bit this holiday season as I take advantage of offers like a $15 statement credit on a $60 Amazon purchase!
The great news is that many Amex cards without annual fees can absolutely access Amex Offers and take advantage of these savings without having to pay an annual fee.
Which No Fee Amex Card is Best?
There are several Amex cards with no annual fees, but The Amex EveryDay® Credit Card is one of my favorites because not only does it have no annual fee and have access to Amex Offers, but it earns fully transferrable Membership Reward points. This can help you earn points, as well as have a “safe place” to store your existing Membership Rewards balance in the event you need to close a Membership Rewards card that has an annual fee.
The Amex EveryDay Credit Card earns 2x points at US supermarkets, on up to $6,000 per year in purchases, and gives a 20% bonus on all points earned in a billing cycle if you have 20 or more purchases during that month. There are better Amex cards for earning points such as its cousin, The Amex EveryDay® Preferred Credit Card that earns points faster in several categories, but does carry a $95 annual fee so it isn’t really relevant to this exact discussion.
You can also check to see if you are targeted for an increased sign-up bonus offer via the CardMatch Tool.
Keep in mind that some Amex Offers are targeted to certain accounts while others are open to all accounts, so there is never a guarantee that every single card will have access to every single Amex Offer, but cards with no fee absolutely do have access to the offers so don’t miss out on savings just because you don’t want to pay an annual fee since you can have the best of both worlds!
Editorial Note: The opinions expressed here are mine and not provided, reviewed, by any bank, card issuer, or other company unless otherwise stated.