6.5 / 10

based on 904 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 18 January, 2021. 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

904 Reviews

Recent American Express credit card reviews

American Express Credit Card review
Overall 10/10
American Express Qantas Card - Thumbs up.

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 review

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.

Price
8/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Angela, New South Wales, reviewed 4 days ago
American Express Credit Card review
Overall 9/10
Easy and intuitive planning

Awesome online portal and great they give you an option to pay off your balance in equal instalments with PlanIt.

Read full review

Awesome online portal and great they give you an option to pay off your balance in equal instalments with PlanIt.

Price
10/10
Features
9/10
Convenience
10/10
Trust
10/10
Less
Sarah, New South Wales, reviewed 6 days ago
American Express Qantas Discovery Card review
Overall 8/10
No annual fee

No annual fee makes this really easy to use and I automatically pay it off each month.

Read full review

No annual fee makes this really easy to use and I automatically pay it off each month.

Price
10/10
Features
7/10
Customer service
8/10
Convenience
7/10
Trust
6/10
Less
Caitlyn, Victoria, reviewed 12 days ago
American Express Velocity Escape Card review
Overall 10/10
Great for points and rewards

Great bank, lots of points and opportunity for bonus points. Great customer service.

Read full review

Great bank, lots of points and opportunity for bonus points. Great customer service.

Price
9/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Melissa, Victoria, reviewed about 1 month ago
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 about 2 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.

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