6.5 / 10

based on 900 reviews as rated by Mozo community

American Express credit cards

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 2020 Credit Card Provider of the Year - the fourth 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.

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:

Rates and fees verified as correct at 04 December, 2020. Other information correct at the time of writing. Advertiser disclosure.

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.

No current offer

$0

55

8.99% p.a.

No current offer

$0

55

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.

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

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.

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

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.

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

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.

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

**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.

How are American Express credit cards rated?

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.

Icon of credit-cards
American Express credit cards
Overall
6.5/10
Price
Features
Customer service
Convenience
Trust

900 Reviews

Recent American Express credit card reviews

American Express Qantas Discovery Card review
Overall 1/10
Bad 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 review

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.

Less
Natasha, New South Wales reviewed 9 days ago
American Express Platinum Edge Credit Card review
Overall 1/10
Extremely poor service!

I have used Amex credit card for the last ten years. 1. Not many small businesses accepting Amex! You can never trust it and you need to have a backup plan for payment. 2. They block your card with a drop of hat with the excuse of "preventing fraud", when you are there right at the time of payment, frustrated and happy to provide any opportunity to prove this is a genuine transaction, no one helps and even you never get any sympathy or apology (UK experience, March 2018). 3. The flight bonus is a joke! You need to purchase the ticket from the website they have affiliation with, and you realise the price of the ticket is way higher than the usual market, even after taking the Amex points and credit into consideration! 4. For tax purposes, I needed the last five years bank statements in "CSV" format, whilst NAB, Westpac and all other banks happily provide facility to access at least the last seven years, Amex even does not try and states their system does not allow beyond 18 months! In summary, Amex at any possible opportunity proves that it is not trustworthy, leaves the customer unsupported at the time of need and the points are useless. In an attempt to be fair, I have provided the feedback to the customer service as well.

Read full review

I have used Amex credit card for the last ten years. 1. Not many small businesses accepting Amex! You can never trust it and you need to have a backup plan for payment. 2. They block your card with a drop of hat with the excuse of "preventing fraud", when you are there right at the time of payment, frustrated and happy to provide any opportunity to prove this is a genuine transaction, no one helps and even you never get any sympathy or apology (UK experience, March 2018). 3. The flight bonus is a joke! You need to purchase the ticket from the website they have affiliation with, and you realise the price of the ticket is way higher than the usual market, even after taking the Amex points and credit into consideration! 4. For tax purposes, I needed the last five years bank statements in "CSV" format, whilst NAB, Westpac and all other banks happily provide facility to access at least the last seven years, Amex even does not try and states their system does not allow beyond 18 months! In summary, Amex at any possible opportunity proves that it is not trustworthy, leaves the customer unsupported at the time of need and the points are useless. In an attempt to be fair, I have provided the feedback to the customer service as well.

Price
4/10
Features
1/10
Customer service
5/10
Convenience
1/10
Trust
1/10
Less
Mohsen, Queensland reviewed 24 days ago
American Express Explorer Credit Card review
Overall 1/10
Only headaches

Every month I have issues with them. When making a payment it took more than a week to payment reflect into my account and although it was there fault they reduced my limit. Stay away!

Read full review

Every month I have issues with them. When making a payment it took more than a week to payment reflect into my account and although it was there fault they reduced my limit. Stay away!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Hadi, New South Wales reviewed about 1 month ago
American Express Qantas Discovery Card review
Overall 1/10
Beware Qantas Discovery promo offers with AMEX.

Be aware of the Qantas promotional offers (eg.100000 points). Amex added $8,000 worth of false charges to my card during the promo period and took so long to remove them that I was forced to book an overseas holiday and spend on another card as the amex one was suspended. Amex took so long to rectify the mistakes then refused to honour the promotion, only asking me to spend more money on the card within 2 weeks as I was $800 short. This was not possible as I had just returned from an overseas holiday so they refused to honour the agreed promotion. Long story short, never got the 100000 points (sorry Qantas) and have had numerous random charges to my card since that were mistakes. Be very Careful with this card and check your statements constantly!

Read full review

Be aware of the Qantas promotional offers (eg.100000 points). Amex added $8,000 worth of false charges to my card during the promo period and took so long to remove them that I was forced to book an overseas holiday and spend on another card as the amex one was suspended. Amex took so long to rectify the mistakes then refused to honour the promotion, only asking me to spend more money on the card within 2 weeks as I was $800 short. This was not possible as I had just returned from an overseas holiday so they refused to honour the agreed promotion. Long story short, never got the 100000 points (sorry Qantas) and have had numerous random charges to my card since that were mistakes. Be very Careful with this card and check your statements constantly!

Price
4/10
Features
4/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Dana, South Australia reviewed 3 months ago
American Express Qantas Discovery Card review
Overall 4/10
Would not recommend.

I'm in the process of cancelling this service. Customer service is lacking, and rewards are almost non existent. Disappointed.

Read full review

I'm in the process of cancelling this service. Customer service is lacking, and rewards are almost non existent. Disappointed.

Price
1/10
Features
5/10
Customer service
2/10
Convenience
5/10
Trust
3/10
Less
Gus, New South Wales reviewed 3 months ago

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.

Credit card quick links