based on 914 American Express banking product reviews as rated by Mozo community

American Express credit cards

One of the world’s top credit card providers, American Express offers an extensive range of cards to complement the varied lifestyles of its customers. American Express has also been consistently decorated for its credit cards, taking out numerous individual Mozo Experts Choice Awards and the prestigious title of 2021 Credit Card Provider of the Year - the fifth straight year in which American Express has received the crown. 

You can narrow down your search for American Express Credit Cards based on factors like the different loyalty programs, annual fee and card benefits such as complimentary flights, travel insurance and balance transfer offers.

What credit cards do American Express offer?

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 19 May 2022. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

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

Go to site

8.99% p.a.

No current offer

$0

55

Go to site

Low fee credit cards

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

Go to site

8.99% p.a.

No current offer

$0

55

Go to site

20.74% p.a.

No current offer

$0

44

Go to site

20.74% p.a.

No current offer

$0

55

Rewards credit cards

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 $0 in the first year

Go to site

1.25 points per dollar on Amex, uncapped

14.99% p.a.

No current offer

$0

Go to site

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 in the first year

Go to site

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

1.25 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$375

Go to site

Prestige cards

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 $0 in the first year

Go to site

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

Frequent flyer credit cards

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

1.25 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$375

Go to site

How are American Express credit cards rated?

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.

Icon of credit-cards
American Express credit cards
Overall
Price
Features
Customer service
Convenience
Trust

914 Reviews

Recent American Express credit card reviews

American Express Qantas Discovery Card
Overall 9/10
Easy to earn points

The discovery card makes it really easy to earn Qantas points for my everyday expenses. No fee makes it even better

Read full review

The discovery card makes it really easy to earn Qantas points for my everyday expenses. No fee makes it even better

Price
10/10
Features
9/10
Convenience
10/10
Trust
9/10
Less
Gianni, Queensland, reviewed 22 days ago
American Express Velocity Platinum Card
Overall 1/10
Stay away

Terrible to work with or help you out when times are tough. Now have a bad credit, when going through mental health issues.

Read full review

Terrible to work with or help you out when times are tough. Now have a bad credit, when going through mental health issues.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Saade, Victoria, reviewed about 1 month ago
American Express Credit Card
Overall 8/10
Good card!

Most prestigious credit card

Read full review

Most prestigious credit card

Price
6/10
Features
8/10
Customer service
8/10
Convenience
3/10
Trust
9/10
Less
Urbano, Queensland, reviewed about 1 month ago
American Express Credit Card
Overall 1/10
Poor Customer Services by American Express.

I had card cancelled without sending me the card. I called customer services in Philippine/Malaysia and very bad experience. Customer service people have very ordinary skills and terrible in dealing. I never see any company using Philippine/Malaysia customer services have skilled people. These only speak good english and behave like a Robot. I never see they resolve any issue. American Express making billion of $, charging marchents and customer so much money but want the cheap options for their customer services. I want everyone to check which cheap country optios for such big companies (billion dollar revenue) and using cheapest options without any good services. So frustrating these days companies only care about how much money they can save and customer there to suffer.

Read full review

I had card cancelled without sending me the card. I called customer services in Philippine/Malaysia and very bad experience. Customer service people have very ordinary skills and terrible in dealing. I never see any company using Philippine/Malaysia customer services have skilled people. These only speak good english and behave like a Robot. I never see they resolve any issue. American Express making billion of $, charging marchents and customer so much money but want the cheap options for their customer services. I want everyone to check which cheap country optios for such big companies (billion dollar revenue) and using cheapest options without any good services. So frustrating these days companies only care about how much money they can save and customer there to suffer.

Price
10/10
Features
10/10
Customer service
1/10
Convenience
3/10
Trust
1/10
Less
Asim, New South Wales, reviewed 5 months ago
American Express Qantas Premium Card
Overall 9/10
Great AMEX

Its easy to use with apple pay and the pints are great. Direct debit is also easy to use and set up.

Read full review

Its easy to use with apple pay and the pints are great. Direct debit is also easy to use and set up.

Price
8/10
Features
10/10
Customer service
9/10
Convenience
8/10
Trust
9/10
Less
Gerard, New South Wales, reviewed 8 months ago

What do you need to apply for a American Express credit card?

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:

  • Be over 18 years of age
  • Be a permanent resident or citizen of Australia; or hold a current Business Long Stay Visa
  • Earn a personal gross annual income of $35,000 or more
  • Or, if you are self-employed, have been trading for at least 18 months, or 12 months if you already hold an American Express issued Card
  • Have a good credit history, with no payment defaults

When you actually submit your credit card application, you’ll also need to provide documentation regarding employment, income and bank account information.

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