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American Express credit cards

American Express
American Express's overall rating for credit cards

(as rated by the Mozo community)

6.6 / 10

based on 869 reviews

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 21 November, 2019. Other information correct at the time of writing.

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:

Low rate credit cards 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.

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

55

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a. (1.00% balance transfer fee)

$0

55


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Low fee credit cards 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.

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

55

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a. (1.00% balance transfer fee)

$0

55

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

44

Go to site

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

55

Go to site

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Rewards credit cards 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  

1.25 points per dollar on Amex, uncapped

14.99% p.a.

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

2 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$195

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$249

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$450

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$375

Go to site

Hide

Prestige cards 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.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$195

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$450

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$375

Go to site

Hide

Frequent flyer credit cards 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.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$249

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$450

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$375

Go to site

Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

American Express credit card features in a glance

 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.

How are American Express credit cards rated?

Wondering how American Express Credit Cards rank on price, customer service and features? Check out some recent customer reviews from the Mozo community.

American Express credit cards

Overall 6.6

Price

Features

Customer service

Convenience

Trust

863 Reviews

Recent American Express credit card reviews Recent American Express credit card reviews

American Express

American Express Velocity Platinum Card review

Overall rating   8 / 10

Great for perks.

Great card, great benefits, just a bit expensive but if all used it’s worth it.

Full review

Great card, great benefits, just a bit expensive but if all used it’s worth it.

    Price   7 / 10

    Features   9 / 10

    Customer service   8 / 10

    Trust   7 / 10

Less

James, New South Wales, reviewed 2 days ago

American Express

American Express Velocity Escape Card review

Overall rating   5 / 10

Not accepted anywhere and often adds a fee for me.

It's not accepted anywhere and often adds a fee for me to use that card. There are no branches, only over the phone and internet banking.

Full review

It's not accepted anywhere and often adds a fee for me to use that card. There are no branches, only over the phone and internet banking.

    Price   6 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   2 / 10

    Trust   4 / 10

Less

Melissa, New South Wales, reviewed 7 days ago

American Express

American Express Qantas Ultimate Card review

Overall rating   7 / 10

Great convenience.

Is a very convenient credit card for paying bills and collecting FF points.

Full review

Is a very convenient credit card for paying bills and collecting FF points.

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Maureen, New South Wales, reviewed 16 days ago

American Express

American Express Credit Card review

Overall rating   10 / 10

Excellent service and card features.

I have been an American Express member via the platinum card for over 10 years and they have always served me well.

Full review

I have been an American Express member via the platinum card for over 10 years and they have always served me well.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Michael, New South Wales, reviewed 23 days ago

American Express

American Express Qantas Discovery Card review

Overall rating   9 / 10

Easy to use

Very easy to use. Sometimes I feel that my card is not secure

Full review

Very easy to use. Sometimes I feel that my card is not secure

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Mere, New South Wales, reviewed about 1 month ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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