From low rate interest on your purchases to premium and luxury experiences, American Express has cards to suit all kinds of customer needs. Here’s a quick look at all the different kinds of credit cards that American Express has to offer:
Rates and fees verified as correct at 29 July, 2021. Other information correct at the time of writing. Advertiser disclosure.
Are you the kind of person who tends to carry a balance on your card? Then you should probably go after the Low Rate Credit Card from American Express. This will let you take advantage of the low interest rates on everyday purchases and up to 55 days interest free on credit card purchases.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 14.99% p.a. | No current offer | $0 | 55 | |
| 8.99% p.a. | No current offer | $0 | 55 |
If low fees is most important to you then check out the American Express Essential Credit Card that comes at $0 annual fee. With this card you’ll also enjoy a low interest rate on purchases as well as 0% p.a. on balance transfers for the first 12 months.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases | |
|---|---|---|---|---|---|
| 14.99% p.a. | No current offer | $0 | 55 | ||
| 8.99% p.a. | No current offer | $0 | 55 | ||
| 20.74% p.a. | No current offer | $0 | 44 | Go to site | |
| 20.74% p.a. | No current offer | $0 | 55 | Go to site |
Amex is known for its outstanding rewards program, which lets you earn points for everyday purchases made using your credit card. You can then redeem these points for a number of things like shopping vouchers, gift cards and travel bookings. And you’ll also have the option to transfer points to other loyalty programs such as Airline or Hotel Guest Transfer Partners.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 1 point per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $120 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 14.99% p.a. | No current offer | $0 | ||
| 2 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $395 | Go to site | |
| 1 point per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $195 | ||
| 0.75 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $0 | Go to site | |
| 1 point per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $249 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $450 | Go to site | |
| 0.75 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $0 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $375 | Go to site |
Get your hands on a premium credit card with American Express to get access to benefits such as bonus rewards points, complimentary travel insurance and a free domestic return flight every year.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 2 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $395 | Go to site | |
| 1 point per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $195 | ||
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $450 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $375 | Go to site |
American Express offers a number of cards for jetsetters whose top priority is to earn travel discounts and frequent flyer miles. You can choose a credit card based on whether you want to rack up Qantas or Velocity points.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 0.75 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $0 | Go to site | |
| 1 point per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $249 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $450 | Go to site | |
| 0.75 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $0 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $375 | Go to site |
Mozo users have rated American Express credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
909 Reviews
To all Amex Card holders I suggest you make yourself aware of the disguised and poorly worded T&C's relating to ALL Amex offers. Their very recent "Amex Card delicious month" promotion allows your registered card to only partake in the 20% credit offer at a participating restaurant on virtually only ONE restaurant as it has a max. credit value of $25 per CARD...NOT PER RESTAURANT. Yes, their T&C's tell you this, however the terminology is very poorly worded. I spent a further $300 at 2 more restaurants and received NO CREDIT as I had already used my allocation on an earlier restaurant. Crazy situation..you would think Amex wanted you to use your card! ..not so apparently.
Read full reviewTo all Amex Card holders I suggest you make yourself aware of the disguised and poorly worded T&C's relating to ALL Amex offers. Their very recent "Amex Card delicious month" promotion allows your registered card to only partake in the 20% credit offer at a participating restaurant on virtually only ONE restaurant as it has a max. credit value of $25 per CARD...NOT PER RESTAURANT. Yes, their T&C's tell you this, however the terminology is very poorly worded. I spent a further $300 at 2 more restaurants and received NO CREDIT as I had already used my allocation on an earlier restaurant. Crazy situation..you would think Amex wanted you to use your card! ..not so apparently.
LessNot my first review for AMEX. Gold Card over 40 years of loyalty. Again they they are giving 5 days to pay or charging you a penalty. Initially, it was 1 month then 2 weeks NOW 3-5 days. Unreasonable and unprofessional. Result of contacting them and asking why no date stamp on envelope they read a script and then HANG up. 0/100 for professionalism.
Read full reviewNot my first review for AMEX. Gold Card over 40 years of loyalty. Again they they are giving 5 days to pay or charging you a penalty. Initially, it was 1 month then 2 weeks NOW 3-5 days. Unreasonable and unprofessional. Result of contacting them and asking why no date stamp on envelope they read a script and then HANG up. 0/100 for professionalism.
They have the worst customer service I have ever seen in a credit card company. Don't even bother.
Read full reviewThey have the worst customer service I have ever seen in a credit card company. Don't even bother.
Amex from david jones is good credit card as you accumulate points by shopping at DJs and you can use your points to get great vouchers
Read full reviewAmex from david jones is good credit card as you accumulate points by shopping at DJs and you can use your points to get great vouchers
Will not recommend Amex Platinum card. Use to be $1200 annual fee then it increased to $1450 and the benefits decreased. Before it was 1 to 1 Qantas point but now it's 2 to 1 Qantas point. Contacted customer service asking about reduce fee or better benefit during the Covid-19 period where we can't use our travel credits, lounge benefits, hotel stays etc. All I get was a cut and paste responses and said they understand what I am saying but their benefits are awesome and they will do nothing more. Worst credit card provider ever. Only know ways to milk their existing customers.
Read full reviewWill not recommend Amex Platinum card. Use to be $1200 annual fee then it increased to $1450 and the benefits decreased. Before it was 1 to 1 Qantas point but now it's 2 to 1 Qantas point. Contacted customer service asking about reduce fee or better benefit during the Covid-19 period where we can't use our travel credits, lounge benefits, hotel stays etc. All I get was a cut and paste responses and said they understand what I am saying but their benefits are awesome and they will do nothing more. Worst credit card provider ever. Only know ways to milk their existing customers.
First of all take your time to compare the different American Express Credit Cards so you’re sure of the one that best suits your financial habits. Once you’ve made the decision, hit the ‘Go to site’ button on Mozo to reach the American Express website and begin your online application.
Each card may have certain specific eligibility criteria, but generally to be able to apply for an American Express Credit Card you will need to fulfil the following conditions:
When you actually submit your credit card application, you’ll also need to provide documentation regarding employment, income and bank account information.