American Express

American Express is a global service company, providing customers with exceptional access to products, insights and experiences that enrich lives and build business success.

American Express credit cards

Compare
American Express Business Explorer Credit Card

On American Express' website

Offer extendedApply by 2 November 2022

American Express Business Explorer Credit Card

Highlights

  • Receive 100,000 bonus Membership Rewards points when you apply by 2 November 2022, are approved and spend $3,000 on your card within the first 3 months. New American Express Card Members only.
  • $0 first-year annual card fee ($149 p.a. thereafter).
  • Enjoy a low interest rate of 3.99% p.a. on new purchases for the first 6 months of Card Membership (reverts to 19.99% p.a. thereafter).

Pros

  • Receive 100,000 bonus Membership Rewards points when you apply by 2 November 2022, are approved and spend $3,000 on your card within the first 3 months. New American Express Card Members only.
  • $0 first-year annual card fee ($149 p.a. thereafter).
  • Enjoy a low interest rate of 3.99% p.a. on new purchases for the first 6 months of Card Membership (reverts to 19.99% p.a. thereafter).

Cons

  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.
American Express David Jones Credit Card

Highlights

  • Earn $200 back when you apply online by 13 July 2022, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Card Members only.
  • Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations; 2 Reward Points per $1 spent at David Jones; 1 Reward Point per $1 spent elsewhere.
  • Enjoy invitations to exclusive Card Member sales previews, shopping nights and events.

Pros

  • Earn $200 back when you meet the criteria.
  • Enjoy invitations to exclusive Card Member sales previews, shopping nights and events.
  • Choose the rewards program that suits you best, Membership Rewards or Qantas Frequent Flyer.

Cons

  • Additional cards come with an annual fee, which can quickly add up.
  • You won't earn points when paying government bodies, e.g. tax at the ATO.
  • Doesn't come with access to a concierge service.
American Express David Jones Platinum Credit Card
Apply by 13 July 2022

American Express David Jones Platinum Credit Card

Highlights

  • Earn $450 back when you apply online by 13 July 2022, are approved and spend $1,500 at locations excluding David Jones on your new card within the first three months. Available to new American Express David Jones Platinum Credit Card Members only.
  • Earn 4 Reward Points per $1 spent on purchases made at David Jones and 3 Reward Points per $1 spent at major supermarkets and petrol stations.
  • Receive two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport

Pros

  • Earn $450 back when you meet the criteria.
  • Choose the rewards program that suits you best, Membership Rewards or Qantas Frequent Flyer.
  • Includes complimentary travel insurance.
  • Receive two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport.

Cons

  • The annual fee of $295 p.a.
American Express Explorer Credit Card

On American Express' website

Highlights

  • Receive 100,000 Bonus Membership Rewards Points when you apply online, are approved and spend $4,000 on your new Card within the first 3 months. T&Cs apply. New Amex Card Members only.
  • Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
  • Earn 2 Membership Rewards points per $1 spent on purchases except government bodies in Australia where you will earn 1 point per $1 spent (uncapped).

Pros

  • The 100,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
  • $400 travel credit every year.
  • Get 2 complimentary airport lounge passes per year.

Cons

  • The $395 p.a. annual fee.
American Express Platinum Edge Credit Card

On American Express' website

New offerApply by 27 July 2022

American Express Platinum Edge Credit Card

Highlights

  • Receive a $200 credit when you spend $200 or more at Amazon.com.au on your new Card within the first 3 months plus get 30,000 Bonus Membership Rewards Points when you apply online by 27 July 2022, are approved and spend $3,000 within the first 3 months. T&Cs apply. New Amex Card Members only.
  • Earn 3 Membership Rewards points per $1 spent at major supermarkets and petrol stations.
  • Enjoy $200 to spend on travel each year that can be used on eligible flights, hotels, or car hire when booked through American Express Travel.

Pros

  • Get 30,000 Bonus Membership Rewards points and a $200 credit when you meet the spend criteria.
  • Receive $200 to spend on eligible domestic and international flights, hotels, or car hire with American Express Travel.
  • Smartphone Screen Cover for smartphone screen repairs up to $500.

Cons

  • The standard purchase rate of 20.74%
American Express Qantas Premium Credit Card

On American Express' website

Highlights

  • Receive 30,000 bonus Qantas Points when you apply online, are approved and spend $3,000 in 3 months. New Amex Card Members only.
  • Relax with 2 complimentary Qantas Club invitations every year (conditions apply).
  • Complimentary domestic and international travel insurance.

Pros

  • 30,000 bonus Qantas points for signing up and hitting the spending target.
  • Earn points on your everyday spend. Also earns points at a reduced rate on government spend.
  • Give up to 4 of your friends and family a card — at no extra cost — to earn more points.
  • $450 Qantas Travel Credit, which is fairly easy to trigger with your first Qantas purchase each year.
  • Comes with complimentary card purchase cover and travel insurance.

Cons

  • There is an annual fee of $249.
  • The purchase rate is quite high, but can be avoided with responsible use.
  • No balance transfer facility.
American Express Qantas Ultimate Credit Card

On American Express' website

Highlights

  • Receive up to 100,000 bonus Qantas Points. That’s 75,000 bonus Qantas Points when you apply online by 23 August 2022, are approved, and spend $3,000 on your new Card within the first 3 months. Plus, an additional 25,000 bonus Qantas Points in your second year upon fee renewal. T&Cs apply. New Card Members only.
  • Earn 1.25 Qantas Points for every $1 spent on card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
  • Get 2 complimentary Qantas Club lounge invitations each year.

Pros

  • Earn up to 100,000 bonus Qantas Points when you meet the criteria.
  • Excellent earn rates on everyday spend. Earns points on payments to the ATO.
  • Access to the American Express Lounge Sydney and Melbourne airport after your first card spend on the card for Qantas products and services each anniversary year.
  • 2 complimentary Qantas Club lounge invitations each year.
  • $450 Qantas Travel Credit each year (conditions apply).
  • Add cards for up to four family and friends at no cost.

Cons

  • The annual fee of $450.
  • There is no concierge service, even though it's a high end card.
  • Balance transfers are not possible.
  • Transactions in a foreign currency attract a fee.
American Express Velocity Escape Card

On American Express' website

Highlights

  • Earn Velocity Points and enjoy $0 annual card fee.
  • Velocity Points earned on your card are transferred directly to your Velocity account each month and can be redeemed for a range of rewards including flights, accommodation, car hire, gift cards and much more.
  • Earn 0.75 Velocity Points per $1 spent, except government bodies in Australia where you will earn 0.5 Velocity Points per $1 spent.

Pros

  • No annual fee, but still earn points.
  • Earn 1.75 Velocity Points per $1 spent on purchases with Virgin Australia.
  • Get 0.5 points per $1 when paying tax to the ATO using the card.
  • 55 days interest-free on purchases when the previous balance has been cleared in full.

Cons

  • Doesn't come with complimentary travel insurance.
  • No complimentary lounge access.
  • No access to the concierge service.
  • There is no balance transfer offer for this card.
American Express Business Card

On American Express' website

Highlights

  • Earn 1.5 Membership Rewards points for each dollar spent.
  • No pre-set spending limit means more flexibility.
  • Extend your cash flow up to 51 days.

Pros

  • Earn Membership Rewards points on spend, including at the ATO (at a lower earn rate).
  • Add up to 99 additional cardholders managed with a single account.
  • Complimentary insurance cover for business trips.
  • No preset spending limit.

Cons

  • There's a $80 fee to enrol in the Membership Rewards program.
  • ATO spend earns at the lower rate of 1 point per $1 spent.
American Express Corporate Card

Apply by 6 April 2022

American Express Corporate Card

Highlights

  • 50,000 Membership Rewards Bonus Points when you apply by 6 April 2022, are approved and meet the spend criteria of $10,000 in the first 2 months of Card approval date. Available for new Card Programs only. Membership Rewards enrolment required, annual fee applies.
  • Earn unlimited Membership Rewards points and access tools and support to maximise business efficiency.
  • Earn up to 1.5 Membership Rewards points per $1 spent from all Card Members (uncapped).

Pros

  • Earn 50,000 Membership Rewards Bonus Points when you meet the criteria.
  • Earn unlimited Membership Rewards points and access tools and support to maximize business efficiency.
  • Be covered for domestic & international business travel up to $350,000 when you pay for your trip with your Card

Cons

  • There is no balance transfer offer for this card.
American Express Corporate Gold Card

Highlights

  • Earn 100,000 Membership Rewards Bonus Points when you apply by 6 April 2022, are approved and meet the minimum spend criteria of $10,000 in the first 2 months. Available for new Card Programs only. Membership Rewards enrolment required, fees apply
  • Earn 1.5 Membership Rewards points per $1 spent from all Card Members (uncapped).
  • Flexibility to transfer Membership Rewards points to 9 Airline Partners and 2 Hotel Partners.

Pros

  • Receive 100,000 Membership Rewards Bonus Points (terms and conditions apply).
  • Earn 1.5 Membership Rewards points per $1 spent from all Card Members (uncapped).
  • Flexibility to transfer Membership Rewards points to 9 Airline Partners and 2 Hotel Partners.

Cons

  • There is a fee of $89 to enroll in Membership Rewards.
American Express Corporate Platinum Card

Apply by 6 April 2022

American Express Corporate Platinum Card

Highlights

  • Earn 300,000 Membership Rewards Bonus Points at half the annual Card fee for your first year when you apply by 6 April 2022, are approved and meet the minimum spend criteria of $50,000 on your American Express Corporate Platinum Card within the first 2 months of your approval date. Available for new Card Programs only.
  • Enjoy good points earning rate from all card members (uncapped).
  • Enjoy peace of mind with the complimentary insurances on this card.

Pros

  • Receive 300,000 Membership Rewards Bonus Points (terms and conditions apply).
  • Enjoy good points earning rate from all card members (uncapped).
  • Enjoy peace of mind with the complimentary insurances on this card.

Cons

  • The high annual fee.
American Express Gold Business Card

On American Express' website

Offer extendedApply by 2 November 2022

American Express Gold Business Card

Highlights

  • Receive 100,000 bonus Membership Rewards points when you apply by 2 November 2022, are approved and spend $1,000 on your card within the first 2 months. New American Express Card Members only.
  • Earn up to 1.5 Membership Rewards point for every $1 spent.
  • No pre-set spending limit means more flexibility.

Pros

  • Receive 100,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards point for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
American Express Platinum Business Card

On American Express' website

Highlights

  • Receive 300,000 bonus Membership Rewards points when you apply by 27 July 2022, are approved and spend $12,000 on your card within the first 3 months. New American Express Card Members only.
  • Reduced annual fee of $875 on the first year (Reverts to $1,750 p.a.thereafter).
  • Earn up to 2.25 pts per $1 spent.
  • Get exclusive Platinum travel, experience, and dining privileges.

Pros

  • The 300,000 bonus Membership Rewards points and the half annual fee in the first year when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,200 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Radisson Hotel Group.
  • 24/7 access to the Platinum Concierge from anywhere in the world.

Cons

  • The annual fee reverts to $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
American Express Platinum Card

On American Express' website

Highlights

  • Receive up to 200,000 Bonus Membership Rewards Points That’s 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $5,000 on your new Card within the first 3 months. Plus, an additional 50,000 Bonus Membership Rewards Points in Year 2 upon fee renewal. T&Cs apply. New Amex Card Members only.
  • Receive a $450 Platinum Travel Credit each year, which can be redeemed for flights, hotels or car hire.
  • Earn 2.25 Membership Rewards points per $1 spent on all purchases, except for spend with government bodies in Australia, where you will earn 1 point per dollar spent. Points earning is uncapped.

Pros

  • Receive up to 200,000 Bonus Membership Rewards Points when you meet the criteria.
  • Receive a $450 Platinum Travel Credit each year.
  • Get airport lounge access.

Cons

  • The annual fee of $1,450.
American Express Qantas Business Rewards Card

On American Express' website

New offerApply by 31 July 2022

American Express Qantas Business Rewards Card

Highlights

  • Enjoy 160,000 bonus Qantas Points + $450 Qantas Flight Voucher when you apply by 31 July 2022 and spend $3,000 on your Card in the first 2 months. Plus, earn an additional 20,000 bonus Qantas Points for first-time Qantas Business Rewards cardholders. New American Express Card Members only.
  • Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
  • Two complimentary passes for the Qantas Club lounge every year.

Pros

  • Earn up to 180,000 bonus Qantas Points + $450 Qantas Flight Voucher when you meet the criteria.
  • Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
  • Earn up to 1.25 points per $1 on everyday spend and 1 point per $1 spent with the ATO.
  • Two complimentary passes for the Qantas Club lounge every year.
  • Flexible Payment Option available to spread cost over time for a portion of your balance.

Cons

  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Qantas Corporate Card

Apply by 6 April 2022

American Express Qantas Corporate Card

Highlights

  • 50,000 Membership Rewards Bonus Points when you apply by 6 April 2022, are approved and meet the spend criteria of $10,000 in the first 2 months of Card approval date. Available for new Card Programs only. Membership Rewards enrolment required, annual fee applies.
  • Earn Triple Qantas Points when you fly for business on eligible Qantas flights.
  • Earn up to 2 points per $1 spent on eligible purchases.

Pros

  • Earn 50,000 Membership Rewards Bonus Points when you meet the criteria.
  • Earn Triple Qantas Points when you fly for business on eligible Qantas flights.
  • Earn up to 2 points per $1 spent on eligible purchases.

Cons

  • There is no balance transfer offer for this card.
American Express Qantas Corporate Gold Card

Highlights

  • Earn 100,000 Membership Rewards Bonus Points when you apply by 6 April 2022, are approved and meet the minimum spend criteria of $10,000 in the first 2 months. Available for new Card Programs only. Membership Rewards enrolment required, fees apply.
  • Earn TRIPLE Qantas Points when you fly for business on eligible Qantas flights.
  • Earn up to 2 points per $1 spent on purchases.

Pros

  • Earn 100,000 Membership Rewards Bonus Points when you meet the criteria.
  • Earn TRIPLE Qantas Points when you fly for business on eligible Qantas flights.
  • Earn up to 2 points per $1 spent on purchases.

Cons

  • There is an annual fee of $105 p.a. and an $89 rewards fee.
American Express Qantas Corporate Platinum Card

Apply by 6 April 2022

American Express Qantas Corporate Platinum Card

Highlights

  • Earn 300,000 Membership Rewards Bonus Points at half the annual Card fee for your first year when you apply by 6 April 2022, are approved and meet the minimum spend criteria of $50,000 on your American Express Corporate Platinum Card within the first 2 months of your approval date. Available for new Card Programs only.
  • Earn TRIPLE Qantas Points when you fly for business on eligible Qantas flights.
  • Earn up to 2 points per $1 spent on purchases.

Pros

  • Earn 300,000 Membership Rewards Bonus Points when you meet the criteria.
  • Earn TRIPLE Qantas Points when you fly for business on eligible Qantas flights.
  • Earn up to 2 points per $1 spent on purchases.
  • Complimentary Qantas Club Membership or Qantas domestic economy return flight.

Cons

  • The high annual fee after the initial year.
Qantas American Express Discovery Credit Card

On American Express' website

Highlights

  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
  • Pay no annual card fee.
  • Up to 4 Additional Cards for family members or friends with no extra fee.

Pros

  • Ongoing $0 annual fee, a rarity among rewards credit cards.
  • Earn 0.75 Qantas points per $1 spent and 0.5 Qantas points per $1 for government spend.
  • No cap on the number of points you can earn.
  • Add up to 4 additional cards for family members or friends with no extra fee.
  • Complimentary Card Purchase Cover and Card Refund Cover.

Cons

  • There is a 3% foreign transaction fee.
  • Lacks complimentary travel insurance.
  • There is no access to a concierge service.
The American Express Essential Credit Card

On American Express' website

Highlights

  • Get $200 back when you apply, are approved and spend $1,500 on your card in your first 3 months of Card Membership. T&Cs apply. New Amex Card Members only.
  • 0% p.a. annual fee.
  • Earn 1.25 Membership Rewards Gateway points for every $1 spent on everyday purchases, utilities, insurance and telecommunications.

Pros

  • Get $200 back when you meet the criteria.
  • $0 p.a. annual fee with the ability to earn points on your everyday spend.
  • Membership Rewards points can be transferred to several airlines for greater choice when redeeming for flights.
  • Comes with up to $500 of Smartphone Screen Cover.
  • Low 14.99% p.a. on purchases and up to 55 days interest-free when you clear the previous balance.

Cons

  • Doesn't come with travel insurance.
  • No access to concierge services.
  • There is no introductory balance transfer offer.
American Express Velocity Business Card

On American Express' website

Offer extendedApply by 2 November 2022

American Express Velocity Business Card

Highlights

  • Receive 150,000 Bonus Velocity Points when you apply by 2 November 2022, are approved and meet the minimum spend criteria of $3,000 within 2 months. New American Express Card Members only.
  • Earn 2 points per $1 spent on Virgin Australia services and up to 1 point per $1 spent on other purchases.
  • Enjoy 2 complimentary single entry passes to the Virgin Australia Lounge at selected domestic airports every year.
American Express Cashback Credit Card

On American Express' website

New offerApply by 27 July 2022

American Express Cashback Credit Card

Highlights

  • Receive a $150 credit on your Card when you spend $200 or more at Amazon.com.au on your new Card within the first 3 months plus get a 5% Bonus Cashback within the first 3 months (up to $200) when you apply online by 27 July 2022 and are approved. T&Cs apply. New Amex Card Members only.
  • For every $ 1 spent, enjoy 1% cashback on all purchases excluding government bodies in Australia.
  • Enjoy Binge Basic subscription, valued at $10 per month.

Pros

  • Get a 5% Bonus Cashback and a $150 Credit when you meet the spend criteria.
  • Complimentary Smartphone Screen Cover.
  • Free monthly BINGE subscription valued at $10/month.

Cons

  • Purchase rate is at 20.74% p.a.
The Low Rate Credit Card from American Express

On American Express' website

Highlights

  • Enjoy a low 8.99% p.a. interest rate on purchases.
  • $0 annual fee for as long as you have the card.
  • Up to 55 days interest free.

Pros

  • Low 8.99% p.a. interest rate on purchases and $0 annual fee.
  • Comes with Card Purchase Cover and Card Refund Cover.
  • Up to 55 days interest free.

Cons

  • There are no rewards program for this card.

American Express money transfer

AMEX FX International Payments

AMEX FX International Payments

Highlights

  • Simple Online Enrollment.
  • 24-hour access to FX payment specialists, Monday to Friday.
  • Transfer to 110+ countries and 80+ currencies.
  • Receive Membership Rewards points, if enrolled (Terms and Conditions apply).

Q&As

What financial services do American Express offer in Australia?

You'll know American Express from their iconic Centurion embellished cards. The American financial behemoth operate a number of credit cards and charge cards for personal customers, small businesses, and larger corporate clients which earn points and benefits in the Membership Rewards program.

In addition, the company also operates Amex Travel for hotel and flight bookings. And there's also Amex branded travel insurance and a American Express FX payments to send money overseas.