American Express credit cards

3.3
Based on 928 American Express credit card product reviews.
Fact Checked
Last updated

About American Express credit cards

American Express is one of the biggest names in the credit card market, offering an extensive choice of cards for personal, business and corporate use. Its range includes Frequent Flyer cards, low rate and no annual fee options, but it’s perhaps best known for its rewards credit cards. Along with their points-earning potential, American Express credit cards can be sought after for their airport lounge access and annual travel credits.

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Editor’s pick: American Express Qantas Ultimate Card

Qantas Ultimate Card

Purchase rate
23.99 % p.a.
Balance transfer rate
No current offer
Annual fee
$450
Rewards program
Qantas Frequent Flyer
Go to site
  • 50,000 bonus Qantas Points for new card holders

  • Earn 1.25 Qantas Points on eligible purchases

  • Airport lounge access at select locations

  • $450 Qantas travel credit every year

  • $450 annual fee

  • Amex surcharges can be high

  • Must redeem travel credit through American Express Travel

Our verdict

The American Express Qantas Ultimate Card has plenty of appeal for frequent flyers. To start with, you’ll receive 50,000 bonus Qantas Points when you first sign up, but you must apply by 14 January 2025 and spend $3,000 on eligible purchases within the first three months to get them.

You’ll also earn 1.25 Qantas Points for every dollar spent on eligible everyday purchases, while spending at government bodies in Australia will get you 0.5 Qantas Points for every dollar.

One downside of this card is the $450 annual fee that comes with it, but this could be negated by the $450 Qantas travel credit you’ll also earn every year. The travel credit can be used on eligible domestic and international Qantas flights, which you have to book through the American Express Travel website.

Amex offers up to 44 days interest free on new purchases, though you’re required to pay out your balance in full each month in order to be eligible. You’ll also want to stay on top of your monthly statement so you can avoid this card’s high interest rate.

You can earn uncapped Qantas Points with this card – provided you meet the conditions – and you can secure points faster by adding extra cards for family members to your account at no cost.

Where do I get it? Learn more about the American Express Qantas Ultimate Card.
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Last updated 11 December 2024 Important disclosures

American Express credit cards

  • Qantas Discovery Card

    Purchase rate
    23.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $0
    Rewards program
    Qantas Frequent Flyer
    No Partner link

  • Qantas Ultimate Card

    Purchase rate
    23.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $450
    Rewards program
    Qantas Frequent Flyer
    Go to site

    Receive 50,000 bonus Qantas Points when you apply online by 14 January 2025, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

  • Qantas Premium Card

    Purchase rate
    23.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $249
    Rewards program
    Qantas Frequent Flyer
    No Partner link

  • Platinum Edge Credit Card

    Purchase rate
    23.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $195
    $0 in the first year
    Rewards program
    Membership Rewards
    No Partner link

  • Low Rate Credit Card

    Purchase rate
    10.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $0
    Rewards program
    -
    No Partner link

  • Essential® Rewards Credit Card

    Purchase rate
    23.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $108
    Rewards program
    Membership Rewards
    Go to site

    Receive 40,000 Bonus Membership Rewards® Points when you apply online by 28 January 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

  • Explorer® Credit Card

    Purchase rate
    23.99 % p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $395
    Rewards program
    Membership Rewards
    Go to site

    Receive 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend $4,000 on eligible purchases on your new Card within the first 3 months. T&Cs apply. New Card Members only.*

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American Express credit card ratings

Overall customer rating for American Express credit cards

3.3
Based on 928 product reviews.

Customer reviews

Important disclosures

American Express products

American Express credit cards: FAQs

Can you get an American Express credit card in Australia?

There are a range of American Express credit cards available in Australia for personal or business use, including rewards cards, Frequent Flyer cards and no annual fee options.

Where is American Express accepted?

American Express is accepted at thousands of locations across Australia – here’s an overview of some of the major retailers and brands:

Supermarkets – Coles, Woolworths, Harris Farm, IGA

Liquor – BWS, Dan Murphy’s, First Choice Liquor, Liquorland, Vintage Cellars

Fuel – 7-Eleven, Ampol, BP, Coles Express

Department stores – David Jones, Myer 

Other major retailers – Big W, Bunnings, Chemist Warehouse, Kmart, Priceline, Target

Electronics – Bing Lee, Harvey Norman, JB Hi-Fi, Officeworks, The Good Guys

Airlines – Air New Zealand, Cathay Pacific, Emirates, Etihad, Jetstar, Qantas, Singapore Airlines, Virgin Australia

What is the highest American Express card in Australia?

The American Express Platinum Charge Card arguably comes with the most perks, though it also has the highest annual fee of Amex’s personal cards at $1,450 per year.

Is American Express a difficult card to get?

American Express says its online application form takes about 10 minutes to complete, and you’ll need to provide information such as your driver’s licence, employment details, income, superannuation and living expenses. It will also complete a credit check as part of your application process.

Whether or not you get approved for an American Express credit card depends on all these factors.

Do American Express points expire?

American Express points don’t expire, provided your account is active and in good standing. To be in good standing simply means to pay the full amount due on your statement each month.

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