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 19 May 2022. 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 |
Go to site | |
|
8.99% p.a. |
No current offer |
$0 |
55 |
Go to site |
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 |
Go to site | |
|
8.99% p.a. |
No current offer |
$0 |
55 |
Go to site | |
|
20.74% p.a. |
No current offer |
$0 |
44 |
Go to site | |
|
20.74% p.a. |
No current offer |
$0 |
55 |
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 point per dollar on Amex, uncapped |
20.74% p.a. |
No current offer |
$120 $0 in the first year |
Go to site | |
|
1.25 points per dollar on Amex, uncapped |
14.99% p.a. |
No current offer |
$0 |
Go to site | |
|
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 $0 in the first year |
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 |
||
|
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 $0 in the first year |
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 |
||
|
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.
914 Reviews
The discovery card makes it really easy to earn Qantas points for my everyday expenses. No fee makes it even better
Read full reviewThe discovery card makes it really easy to earn Qantas points for my everyday expenses. No fee makes it even better
Terrible to work with or help you out when times are tough. Now have a bad credit, when going through mental health issues.
Read full reviewTerrible to work with or help you out when times are tough. Now have a bad credit, when going through mental health issues.
Most prestigious credit card
Read full reviewMost prestigious credit card
I had card cancelled without sending me the card. I called customer services in Philippine/Malaysia and very bad experience. Customer service people have very ordinary skills and terrible in dealing. I never see any company using Philippine/Malaysia customer services have skilled people. These only speak good english and behave like a Robot. I never see they resolve any issue. American Express making billion of $, charging marchents and customer so much money but want the cheap options for their customer services. I want everyone to check which cheap country optios for such big companies (billion dollar revenue) and using cheapest options without any good services. So frustrating these days companies only care about how much money they can save and customer there to suffer.
Read full reviewI had card cancelled without sending me the card. I called customer services in Philippine/Malaysia and very bad experience. Customer service people have very ordinary skills and terrible in dealing. I never see any company using Philippine/Malaysia customer services have skilled people. These only speak good english and behave like a Robot. I never see they resolve any issue. American Express making billion of $, charging marchents and customer so much money but want the cheap options for their customer services. I want everyone to check which cheap country optios for such big companies (billion dollar revenue) and using cheapest options without any good services. So frustrating these days companies only care about how much money they can save and customer there to suffer.
Its easy to use with apple pay and the pints are great. Direct debit is also easy to use and set up.
Read full reviewIts easy to use with apple pay and the pints are great. Direct debit is also easy to use and set up.
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.