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 18 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
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 |
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.
904 Reviews
I'm able to accumulate Qantas Frequent Flyer points at the same time I'm making purchases and paying regular bills such as insurance, rates, water. I really like their partner offers and bonus points.
Read full reviewI'm able to accumulate Qantas Frequent Flyer points at the same time I'm making purchases and paying regular bills such as insurance, rates, water. I really like their partner offers and bonus points.
Awesome online portal and great they give you an option to pay off your balance in equal instalments with PlanIt.
Read full reviewAwesome online portal and great they give you an option to pay off your balance in equal instalments with PlanIt.
No annual fee makes this really easy to use and I automatically pay it off each month.
Read full reviewNo annual fee makes this really easy to use and I automatically pay it off each month.
Great bank, lots of points and opportunity for bonus points. Great customer service.
Read full reviewGreat bank, lots of points and opportunity for bonus points. Great customer service.
Bad customer service. I wanted to change my credit limit recently as I incorrectly increased it but their policy states you can only increase your limit every 180 days so I have to wait another 180 days to change the limit. If you want to raise a complaint you have to physically post a letter and then the team leader of the customer service department wanted to argue with me that it takes the same amount of time as sending an e-mail.
Read full reviewBad customer service. I wanted to change my credit limit recently as I incorrectly increased it but their policy states you can only increase your limit every 180 days so I have to wait another 180 days to change the limit. If you want to raise a complaint you have to physically post a letter and then the team leader of the customer service department wanted to argue with me that it takes the same amount of time as sending an e-mail.
LessFirst 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.
