American Express credit cards

Apply for an American Express credit card and you could be earning thousands of points towards free flights, upgrades, hotel stays and so much more.

By   |   Verified by David Boyd   |   Updated 3rd December 2021

Comparing American Express credit cards

The Low Rate Credit Card from American Express

On American Express' website

Balance transfer

N/A

Purchase rate

8.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

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 Purchase and Refund protection.
  • Up to 55 days interest free.

Cons

  • There are no rewards program for this card,
American Express Cashback Credit Card

On American Express' website

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

N/A

Highlights

  • Get 5% Bonus Cashback in the first 3 months, up to $200 Cashback, when you apply online and are approved. No monthly fee will be charged for your first 12 months of Card Membership. New Card Members only.
  • No monthly fee for the first 12 months ($10 monthly fee thereafter).
  • Enjoy Binge Basic subscription, valued at $10 per month.

Pros

  • Earn up to 5% Bonus Cashback in the first 3 months.
  • No monthly fee for the first 12 months.
  • Take advantage of the 12-month complimentary access to the Centr fitness app (valued at $119.99).
  • Complimentary Smartphone Screen Insurance.

Cons

  • Purchase rate is at 20.74% p.a.
American Express David Jones Credit Card

On American Express' website

Apply by 9 February 2022

American Express David Jones Credit Card

Balance transfer

N/A

Purchase rate

12 months at 0% p.a.

Annual fee

$99.00 p.a. ongoing

Highlights

  • Enjoy 0% p.a. on purchases for 12 months and earn 50,000 Membership Reward Points (equivalent to a $320 David Jones gift card) when you apply online by 20 January 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 complimentary standard delivery for items purchased in-store or online at David Jones with the Card. Plus, up to 44 days interest-free.

Pros

  • Enjoy 0% p.a. on purchases for 12 months.
  • Get 50,000 Membership Rewards Points 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

  • The purchase rate reverts to 20.74% p.a. after 6 months.
American Express David Jones Platinum Credit Card

On American Express' website

Apply by 9 February 2022

American Express David Jones Platinum Credit Card

Balance transfer

N/A

Purchase rate

12 months at 0% p.a.

Annual fee

$295.00 p.a. ongoing

Highlights

  • Enjoy 0% p.a. on purchases for 12 months and earn 70,000 Membership Rewards Points (equivalent to a $450 David Jones gift card) when you apply online by 20 January 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.
  • Receive a $150 credit when you spend $150 at David Jones in-store or online by 31 December 2021.
  • Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.

Pros

  • Enjoy 0% p.a. on purchases for 12 months.
  • Get 70,000 Membership Rewards Points when you meet the criteria.
  • The $150 credit when you spend $150 at David Jones in-store or online by 31 December 2021.
  • Choose the rewards program that suits you best, Membership Rewards or Qantas Frequent Flyer.

Cons

  • The purchase rate reverts to 20.74% p.a. after 6 months.
American Express Explorer Credit Card

On American Express' website

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$395.00 p.a. ongoing

Highlights

  • Receive 100,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New 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 Card

On American Express' website

American Express Platinum Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$1,450.00 p.a. ongoing

Highlights

  • Receive 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only. Plus, an additional 50,000 Bonus Membership Rewards Points in Year 2 upon fee renewal.
  • 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 Platinum Edge Credit Card

On American Express' website

New offerApply by 1 February 2022

American Express Platinum Edge Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$195.00 p.a. ongoing

Highlights

  • Receive 50,000 Bonus Membership Rewards Points when you apply online by 1 February 2022, are approved and spend $1,500 on your new Card within the first 3 months. You’ll also receive a $200 credit on your Card when you spend $200 or more at David Jones, instore or online, on your new Card within the first 3 months. T&Cs apply. New 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, car hire or experiences when booked through American Express Travel.

Pros

  • Get 50,000 Bonus Membership Rewards Points when you meet the spend criteria.
  • Receive a $200 credit on your Card when you spend $200 or more at David Jones, instore or online.
  • Smartphone Screen Insurance 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

American Express Qantas Premium Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$249.00 p.a. ongoing

Highlights

  • Receive 30,000 bonus Qantas Points when you apply online, are approved and spend $3,000 in 3 months. New 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.
  • Get up to 4 additional card members at no extra cost.
  • Comes with complimentary purchase and travel insurance.

Cons

  • The annual fee of $249.
American Express Qantas Ultimate Credit Card

On American Express' website

American Express Qantas Ultimate Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$450.00 p.a. ongoing

Highlights

  • Receive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months. Available to 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.
  • Save the offer to your eligible Card and get 3 extra Qantas Points per $1 spent, in-store or online at participating Shop Small businesses by 31/03/2022, up to a maximum of 40,000 extra Points. Exclusions apply.

Pros

  • The 55,000 bonus Qantas Points when you meet the criteria.
  • 2 complimentary Qantas Club lounge invitations each year.
  • $450 Qantas Travel Credit each year (conditions apply).

Cons

  • The annual fee of $450.
Qantas American Express Discovery Credit Card

On American Express' website

Qantas American Express Discovery Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

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.
  • Complimentary purchase and refund protection.
  • Up to 4 Additional Cards for family members or friends with no extra fee.

Cons

  • There is a 3% foreign transaction fee.
American Express Business Explorer Credit Card

On American Express' website

Apply by 12 January 2022

American Express Business Explorer Credit Card

Balance transfer

N/A

Purchase rate

6 months at 3.99% p.a.

Annual fee

$149.00 p.a. ongoing

Highlights

  • Receive 100,000 bonus Membership Rewards points when you apply by 12 January 2022, are approved and spend $3,000 on your card within the first 3 months. New American Express Card Members only.
  • 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).
  • Get up to two entries per year to the American Express Lounge.
American Express Platinum Business Card

On American Express' website

Apply by 12 January 2022

American Express Platinum Business Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$1,750.00 p.a. ongoing

Highlights

  • Receive 200,000 bonus Membership Rewards points plus $300 credit when you apply by 12 January 2022, are approved and spend $5,000 on your card within the first 3 months. New American Express Card Members only.
  • Earn up to 2.25 pts per $1 spent.
  • Higher earn rate of 1 pt per $1 spent on ATO payments.
American Express Gold Business Card

On American Express' website

Apply by 12 January 2022

American Express Gold Business Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$169.00 p.a. ongoing

Highlights

  • Receive 100,000 bonus Membership Rewards points when you apply by 12 January 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.
American Express Qantas Business Rewards Card

On American Express' website

American Express Qantas Business Rewards Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$450.00 p.a. ongoing

Highlights

  • Earn up to 120,000 Qantas Points. Enjoy 130,000 bonus Qantas Points with the American Express Qantas Business Rewards Card, plus an additional 20,000 bonus Qantas Points when you enroll in Qantas Business Rewards for the first time.
  • No fee for up to 99 Employee Cards.
  • Earn triple Qantas Points for your business when employees fly on eligible Qantas flights and pay using their American Express Qantas Business Rewards Card.
American Express Business Card

On American Express' website

American Express Business Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$109.00 p.a. ongoing

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.
American Express Velocity Escape Card

On American Express' website

New offerApply by 13 December 2021

American Express Velocity Escape Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Receive 10,000 bonus Velocity Points when you apply online by 13 December 2021 for the American Express Velocity Escape Credit Card, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.
  • 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.
American Express Velocity Platinum Credit Card

On American Express' website

Apply by 13 December 2021

American Express Velocity Platinum Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$375.00 p.a. ongoing

Highlights

  • Receive 120,000 bonus Velocity Points plus 120 Status Credits when you apply online by 13 December 2021, are approved and spend $4,500 on your new Card within the first 3 months. Offer available to new Card Members only.
  • Complimentary Virgin Australia return Economy domestic flight between selected cities each year after your first Card spend each anniversary year.
  • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports.

More about American Express credit cards

Get helpful insight into using American Express credit cards and Membership Rewards.

  • FAQs

Can I use an American Express card for my business expenses?

Yes. American Express business cards are a very popular choice because they provide access to one of the very best reward schemes on the Australian card market, the Membership Rewards program. Businesses that regularly use American Express business credit cards to pay for expenses can quickly build up points to be redeemed for a huge selection of products and services. The program offers a beneficial range of travel rewards and accessories that can be really useful for flights, hotels, rentals and other business trip essentials. American Express offers a selection of different business cards to suit the size of your operation and specific requirements whether you’re a small business or large company.

Can I use an American Express card for personal use?

Yes. Personal American Express cards are designed for individuals who use their cards regularly, covering high volume expenses and keeping on top of monthly repayments. By covering the balance each month American Express cardholders enjoy the benefits of the Membership Rewards program and the company’s world-renowned customer services and support.

Amex cards are suitable for people with solid credit ratings and high incomes, and good for big spenders and frequent flyers. American Express is generally associated with prestige and exclusivity, but some of their cards are accessible to regular Australians who would qualify for gold cards from other providers. Although American Express cards attract surcharges and don’t always get accepted in all stores, they still offer some of the best rewards big spenders can get.

How can I improve my chances of being approved?

To get approved for an American Express card you need to meet the requirements of the deal you have chosen, and there are was you can improve you chances of applying successfully. A good credit rating is very important, so check your credit report and make sure everything is up-to-date and that there are no mistakes. If you do find anything inaccurate on your report, fix it. Choosing a card that meets your income is also a determining factor in getting approval, so make sure you earn enough and that you have the proof to back it up. When you have selected the card that’s right for you, make sure that you have all the relevant and information at hand; the more clear and correct info you can provide the better your chances of approval.

Is it more difficult to get approved for an American Express card?

Generally American Express does have a more demanding application process and more limited acceptance than other card providers simply because Amex cards are designed for people with high incomes, high volumes of spending, disciplined money management and good credit history. Some Amex cards, however, are more accessible, so check out the various deals on our comparison table and you may be pleasantly surprised to discover what you qualify for.

Is there a cap on the number of points that can be earned?

Similarly to point expiry, point capping depends on how you use your Amex card, whether you maintain your enrolment on the program and if you can keep up-to-date with monthly repayments. Carefully read the small print, terms and conditions before you apply for any credit card so that you don’t get an unexpected surprise.

What do you need to qualify?

This depends on the card – they each have their own qualification requirements. All American Express credit cards require that you are over 18 years old, a citizen or resident of Australia, and that you have at least a good, if not excellent, credit rating. Importantly, you will also need to meet a certain income to qualify, and the minimum varies between the different cards. The more prestigious cards are designed for very high earners, but some of the deals are aimed at Australians on more modest incomes.

What is the Membership Rewards program?

Membership Rewards is one of the main reasons for choosing an American Express credit card, giving businesses and individuals the chance to join one of Australia’s most generous and prestigious reward programs. The scheme rewards cardholders who regularly use American Express because the more you spend the more loyalty points you earn. These points can then be used for a huge selection of travel, shopping and entertainment rewards from American Express and Membership Rewards partner companies. Cardholders may also transfer points to other loyalty programs that more closely suit their lifestyle.

What kind of rewards can be earned?

The Membership Rewards scheme offers a massive selection of rewards from the program’s partner companies. Travel rewards allow you to redeem points for flights, hotels, foreign currency and other useful travel related benefits. Shopping rewards allow you to choose technology, gifts, homeware, wines and sporting equipment from top brands, with monthly updates and special deals. Points can also be exchanged for a variety of entertainment, dining, leisure and sports options.

When do points expire?

This depends on how you use your card and whether you keep up with repayments. Points don’t expire as long as you are enrolled on the program as a card member, your credit card account is active and your payments are not overdue. Your points are forfeited if you choose to cancel your subscription to the program, and these points cannot be reinstated if you sign-up again. If your account is 40 days or more overdue for payments your points will also be forfeited, and will expire if you don’t reinstate them within 90 days of your original statement date. As with any credit card, you should always study the small print, terms and conditions for the specific deal before applying.

Who are Amex cards best suited to?

Amex credit cards are suited to people who like to use their card for plenty of spending, have above average incomes and a solid credit history. They have a more demanding application approval than many other card providers, but if you have good earnings and credit you may find a card to suit your finances. As with all credit cards, it’s important that you can meet monthly repayments, especially if you want to enjoy Amex’s renowned customer services and get the most out of their generous rewards scheme.

If you are looking to transfer a balance, American Express are unlikely to have the longest or cheapest deal. It would be worth your time to compare credit card balance transfer deals from other banks before choosing who to go with.

Why should I choose American Express?

American Express offers different kinds of credit cards both for personal and business use. They also issue a range of corporate cards. The most popular personal American Express credit cards appeal to business people, corporate road warriors and travel loving frequent flyers. Amex cards tend to come jam-packed with premium features and perks, and one of Australia’s best rewards schemes, which explain the higher interest rates and annual fees. Use our credit card comparison table to figure out which card will not only look the best in your wallet but also help you do what you want.