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 30 March, 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 | |
| 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 | |
|---|---|---|---|---|---|
| 1.25 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 | |
| 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 | 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 |
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 |
| 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.
I applied for a Low Interest credit AMEX card, just the basic one, and I thought I could transfer my balance from my ANZ card, which had a higher rate. I filled out the application online and it was approved literally straight away. There was...
I applied for a Low Interest credit AMEX card, just the basic one, and I thought I could transfer my balance from my ANZ card, which had a higher rate. I filled out the application online and it was approved literally straight away. There was absolutely no indication of any problem or difficulty, so I thought the whole thing went through. A couple of days later I got a letter from the bank saying I was approved to transfer only a fraction of my request to the AMEX card, which was approved for a totally ridiculous 1000 credit limit only!! Even a high schooler would have received more, I think, with no income whatsoever. Once I received the letter and the card, I rang up straight away and wanted to cancel the deal. I was advised the credit limit cannot be changed since it's done by the machine, then also the transfer of the amount cannot be stopped, since it is also done by the machine, regardless of if you accepted the offer or not!! You would think, if you don't get what you applied for, someone will give you a call and let you know, and try to find out if you still want to go ahead with the deal or not. I mean, this would be a proper customer service procedure. They "assumed" - or the machine assumed - it is OK just to go ahead. I rang immediately, I cancelled my card, which was not even activated. It also makes me wonder how a balance can be transferred to a card which is not even active, but as I was told again, the machine is doing it. Yap, they cannot interfere with the machine! They cannot help me, sorry. I felt like I was going to explode, I was so bloody frustrated. AMEX shame on you, a ridiculously, inadequate, inefficient and incompetent lot. I advise not to start with them. I will never again, for sure.
Ilona, New South Wales, reviewed 24 days ago
Love the extras but interest rate not competitive.
Love the extras but interest rate not competitive.
Gill, Victoria, reviewed 28 days ago
An American express person told me over the phone in November the last date to use the travel credit is the 14th of Feb 2020. On the 12th of Feb 2020 I was trying to book a hotel with me travel credit but American Express told me I no longer have...
An American express person told me over the phone in November the last date to use the travel credit is the 14th of Feb 2020. On the 12th of Feb 2020 I was trying to book a hotel with me travel credit but American Express told me I no longer have the travel credit. And this time they told me last day to use the travel credit was January 2020. I lost my 400 AUD by the misinformation given to me. It is a total fraud. Plus I wasted 2 hours explaining this to American Express but no results. Waste of time and money.
Salman, Victoria, reviewed about 1 month ago
Great rewards, but not all vendors accept Amex.
Great rewards, but not all vendors accept Amex.
Lee, Queensland, reviewed about 1 month ago
Great card. The benefits make this card a good choice.
Great card. The benefits make this card a good choice.
Jason, New South Wales, reviewed 4 months ago
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.
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.
Hide