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 2019 Credit Card Provider of the Year - the third 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.
Rates and fees verified as correct at 12 July, 2020. Other information correct at the time of writing.
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:
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 |
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 | |
|---|---|---|---|---|---|
| 1.25 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 | 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 |
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 | Go to site | |
| 1.25 points per dollar on Amex, uncapped | 20.74% p.a. | No current offer | $450 | 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 |
| Rewards program: The more you spend the more you earn Rewards program: The more you spend the more you earn | With a popular Membership Rewards program in place, two of the American Express credit cards have won Mozo’s Experts Choice Awards for Australia's Best Rewards Credit Cards. You can use the points you earn on everyday purchases made using your Amex credit card for travel, shopping as well as entertainment rewards. |
| Online banking: Manage your finances on the goOnline banking: Manage your finances on the go | You can access your American Express account online, via mobile phone, laptop or desktop to check statements, make payments and keep a watch on your rewards points. To register for American Express online services, you’ll need to go on their website and follow some quick steps to set up an online account. |
| Travel advantages: Use your American Express Credit Card overseasTravel advantages: Use your American Express Credit Card overseas | Since American Express Credit Cards are accepted internationally, you can use them to make transactions while you’re travelling abroad. Also, all American Express Cards include protection, from travel insurance cover to medical costs (but don’t forget to read the fine print). And in case you lose your card, with the Emergency Card Replacement feature, you’ll get a replacement card within 48 hours almost anywhere in the world. |
| Interest free days: Avoid interest on purchasesInterest free days: Avoid interest on purchases | A number of American Express Credit Cards, such as the Qantas American Express Premium Card and the American Express Velocity Platinum Card, come with 44 or 55 interest free days on purchases. Interest free days refer to the maximum duration from the first day of your statement to the payment due date for that period. The only way to benefit from this interest free period is by paying the full closing balance on your credit card by the due date every month. |
| Tap and go: Make contactless payments Tap and go: Make contactless payments | You can make contactless payments with your American Express Credit Card on a checkout reader as long as it has the American Express logo. In case you don't see the American Express logo on the terminal you can still use your card by swiping or inserting it into the terminal. |
| Card security: Keep your money safe Card security: Keep your money safe | American Express has a number of credit card insurance and security features in place to protect its customers from credit card fraud when using their American Express Credit Card for purchases at home, overseas or online. If the security systems observe an unusual spending pattern, they’ll contact you to confirm that you’re aware of the purchase. Also, you will not be held responsible for unauthorised charges, but you need to remember to notify American Express as soon as you identify any fraudulent transactions. |
| Purchase Protection and Refund Protection: Secure your purchases Purchase Protection and Refund Protection: Secure your purchases | Some American Express Credit Cards offer Purchase Protection and Refund Protection. Purchase Protection will replace, refund, or repair eligible items in case they are accidentally damaged or stolen, within 90 days of purchase. Refund Protection on the other hand means that Amex will take the item back if the merchant refuses. So if you are not satisfied with a purchase made with your American Express Credit Card and the merchant does not allow for a return, you can contact American Express for a refund for up to $500 per item. There are of course a number of terms and conditions applicable for purchase and refund protection so be sure to have a careful read before you make a claim. |
Wondering how American Express Credit Cards rank on price, customer service and features? Check out some recent customer reviews from the Mozo community.
Great credit card with good amount of points per purchase. However it isn't accepted everywhere which can be a hassle.
Great credit card with good amount of points per purchase. However it isn't accepted everywhere which can be a hassle.
James, Victoria, reviewed 16 days ago
Aaron, Victoria, reviewed 17 days ago
I love my Amex Qantas Explorer. It’s $450 but I get it back in Qantas credit, so it’s net net. There are generous Qantas points to be earned and bonus Amex offers with my favourite retailers. With Covid they have extended credits into 2021 before...
I love my Amex Qantas Explorer. It’s $450 but I get it back in Qantas credit, so it’s net net. There are generous Qantas points to be earned and bonus Amex offers with my favourite retailers. With Covid they have extended credits into 2021 before even asking. I’ve called about charges I haven’t recognised. They didn’t make me fill in lengthy forms they just took my word for it; a breath of fresh air. I’ve never had a bank make it so easy.
Arianne, New South Wales, reviewed 18 days ago
Zero customer service. Took 4 weeks to get the card, apparently my details were lost and only followed up when I called. Subsequently my "account manager" offered to assist with booking travel. The assistance was simply providing a link to amex...
Zero customer service. Took 4 weeks to get the card, apparently my details were lost and only followed up when I called. Subsequently my "account manager" offered to assist with booking travel. The assistance was simply providing a link to amex travel and no more. After my flight was booked and cancelled due to COVID-19 I was informed that no refund is available from AMEX, however United Airlines would provide a refund if I booked directly rather than through a third party that provided zero value.
Byron, New South Wales, reviewed 19 days ago
The offer of 100,000 bonus Qantas points is great for those who love to travel, and a $3,000 minimum spend in three months is not unachievable for most if you put everything on the card.
The offer of 100,000 bonus Qantas points is great for those who love to travel, and a $3,000 minimum spend in three months is not unachievable for most if you put everything on the card.
Annie, New South Wales, reviewed about 1 month ago
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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.
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