How To Track If You’re Maxing Out Amex EveryDay Bonus Categories

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. Thanks for your support!

Two of Amex’s best credit cards for maximizing everyday spend are The Amex EveryDay® Preferred Credit Card from American Express and The Amex EveryDay® Credit Card from American Express. These cards are both extremely rewarding, both for non-bonused spend, and also for specific category bonuses.

For those of you not familiar with these cards, the Amex EveryDay Card:

  • Offers 2x points at U.S. supermarkets, on up to $6,000 of spend per calendar year
  • Offers a 20% points bonus when you make at least 20 transactions per billing cycle
  • Has a $0 annual fee

The Amex EveryDay Preferred Card:

  • Offers 3x points at U.S. supermarkets, on up to $6,000 of spend per calendar year
  • Offers 2x points at U.S. gas stations
  • Offers a 50% points bonus when you make at least 30 transactions per billing cycle
  • Has a $95 annual fee

Keep in mind that the 20-50% points bonus applies even to bonus categories. That means that if you make at least 30 transactions per billing cycle on the Amex EveryDay Preferred Card you’re earning 4.5x points at grocery stores and 3x points at gas stations, which is huge.

Groceries-3

If you’re not a huge credit card spender then the no annual fee Amex EveryDay Card is probably a better option for you, while if you are a big card spender (at least in the bonus categories), the Amex EveryDay Preferred Card is the better option; I have the latter card, personally.

With that in mind, I figured it would make sense to explain how to tell if you’re maximizing the two big bonuses offered on either of these cards:

How to tell if you make 20/30 transactions per billing cycle

It’s super easy to track if you’ve made the required 20 transactions on the Amex EveryDay Card, or the required 30 transactions on the Amex EveryDay Preferred Card. To do so, just log into your card account on the American Express website, and on the right you’ll see a counter that shows your progress towards the required transactions.

Amex-Bonus-1

If you want, you can click on the number of transactions, and it will bring up a page showing the exact purchases that have qualified with each billing cycle.

Amex-Bonus-2

My statement just closed, but this page also lets you easily see whether you earned the bonus on past statements.

Amex-Bonus-3

That’s easy enough to track. What’s tougher to track is your progress towards the $6,000 limit on U.S. grocery store purchases.

Tracking your progress towards reaching the $6,000 grocery store limit

Arguably the best bonus category on these cards is the bonus points offered on U.S. grocery store spend. If you’re making the required 20 and 30 transactions on the Amex EveryDay Card and Amex EveryDay Preferred Card, respectively, then you’re earning up to 3x points and 4.5x points on U.S. grocery store purchases.

But how do you track how close you are to the $6,000 calendar year limit on grocery spend? It’s quite easy to do. Once you’re on your account homepage, click on “Recent Activity.”

Amex-EveryDay-Grocery

On that next page you’ll be given the option of sorting purchases over a period of time. Since the $6,000 limit is on a calendar year basis, choose January 1 as the starting date, and the current date as the end date.

Amex-EveryDay-Grocery-1

Once you hit “Go,” you’ll be brought to a page showing a breakdown of your spend. On that page, click on “Merchandise & Supplies.”

Amex-EveryDay-Grocery-2

Once you do that, you’ll see a further breakdown. Next to “Groceries” you should see the amount you’ve spent on groceries up until this point listed.

Amex-EveryDay-Grocery-3

This is an easy way to track your progress towards the $6,000 of spend per calendar year. Once you achieve the $6,000 of spend, I’d recommend using a different credit card for grocery store purchases. For example, the Blue Cash Preferred® Card from American Express offers 6% cashback at U.S. supermarkets on up to $6,000 of spend per calendar year, so could be a great complement.

Bottom line

The Amex EveryDay Preferred Card is one of my favorite cards for maximizing everyday spend. While it’s easy enough to track how many transactions you have towards the 30 required transactions per billing cycle, calculating your progress towards the calendar year grocery store limit can be trickier. So hopefully the above is useful for anyone who was confused about how to see your progress towards the bonus limit on grocery store spend.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Comments

  1. except that the progress tracker can be wrong occasionally. I’ve had 35 transactions before in a month (clear from the statement) but the progress tracker only showed 28 and I never got the points even after protesting. I’ve given up on this card, not worth the hassle in my opinion (plus it has a foreign transaction fee)

  2. Amex usually rounds up category bonus for each transaction, which is aggregated on each statement. If they decide to use 12,000 (6,000*2) *bonus* MR instead of 6,000 raw spend as the threshold, one has to calculate it transaction by transaction. Also, the “calendar year” likely means the first date of January statement, which may be in December the last year.

  3. @Ben – What Visa or MasterCard would you suggest as a business card for grocery category?

  4. Hey Ben for this next quarter, starting April 1st, the chase freedom gives 5x points/$ at supermarkets not including Walmart and target, are you going to max that out or continue to use the Amex everyday preferred for that portion?

  5. Wow,

    What a great tool. Thanks for this I never knew you could break down the “merchandise and supplies” category. This helps a ton with the 3x category and the 2x categories on the business gold rewards card.

  6. Keep in mind that certain merchants come through with a coding that categorizes them as “grocery” even though they’re not traditional grocery stores, which means you may reach the $6k threshold a lot sooner if you buy from that merchant regularly. Some of the online nutritional supplement merchants (vitacost.com, for example) and online wine merchants get coded as grocery stores, FYI.

  7. If short of spend, you can always buy gift cards at grocery store. I buy Home Depot gift cards at grocery store so end up with 4.5% on HD spend or 9% when pay with points using Business Platinum.

    Also for gas, the grocery stores that have gas bars as well, show up as grocery store spend. So again, if not going to make full $6,000 you can buy your gas at grocery store (kroger, HEB in Texas) and get 4.5%

Leave a Reply

Your email address will not be published. Required fields are marked *