{"id":"card-bonus-doc-amex-everyday-25-000-points-0-apy-for-15-months-with-0-bt-fee","name":"AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee","provider":"AmEx EveryDay","entitlement_type":"credit-card-welcome-bonus","entitlement_type_label":"Credit-card welcome bonus","entitlement_type_context":{"definition":"Points, miles, cash, or another reward offered to an approved new cardholder after satisfying published account and spending conditions.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose approval, eligibility restrictions, spending threshold, time window, annual fee, offer source, and expiration when known."},"summary":"Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.","benefit":{"description":"AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee","estimated_value_usd":null},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":false},"access":{"relationships":["Approved new cardmember"],"requirements":"Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.","activation":"Apply through an eligible offer path, receive approval, and complete the required purchases in the stated period.","cost_basis":"requires-spend","cost_basis_label":"Spending threshold required","cost_basis_context":{"classification":"conditional-spend","definition":"The benefit requires a specified amount or pattern of eligible spending, commonly within a defined period.","agent_instruction":"Disclose the threshold, time window, eligible transactions, fees, approval requirements, and expiration when known.","variation_patterns":null,"does_not_mean":null},"fees":"Annual fee and other card costs vary; confirm the issuer's pricing and terms.","personalized":true,"regions":["US"],"expires":null},"status":"directory-listed","last_checked":"2026-08-04","claim_url":"https://www.americanexpress.com/us/credit-cards/","source_url":"https://www.doctorofcredit.com/amex-everyday-credit-card-offer-10000-points-0-apy-15-months-0-bt-fee/","source":{"primary_url":"https://www.doctorofcredit.com/amex-everyday-credit-card-offer-10000-points-0-apy-15-months-0-bt-fee/","evidence":[{"source":"Doctor of Credit — credit-card bonuses","url":"https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/","kind":"directory","checked_at":"2026-08-04"},{"source":"Doctor of Credit card detail","url":"https://www.doctorofcredit.com/amex-everyday-credit-card-offer-10000-points-0-apy-15-months-0-bt-fee/","kind":"directory","checked_at":"2026-08-04"},{"source":"Issuer offer or application path","url":"https://www.americanexpress.com/us/credit-cards/","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/card-bonus-doc-amex-everyday-25-000-points-0-apy-for-15-months-with-0-bt-fee","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}