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.

Bill Ryan Natividad avatar
Written by   |  
Kwok Zhong Li avatar
Verified by
Updated 6 May 2025   |   Rates updated regularly

Comparing of 7 American Express credit cards

American Express CapitaCard Credit Card

Not available for application via this website

American Express CapitaCard Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn up to 3% rebate (awarded in 6X STAR$) on transactions of $20 and above at participating CapitaLand Malls’ merchants.
  • Earn an additional 10X STAR$® (50 STAR$®) for every S$1 spent on your Card at participating dining and retail outlets across CapitaLand Malls.
  • Home and Away perks include a complimentary 1-year Silver tier membership and a 15% one-time room discount voucher with Ascott, Citadines, and Somerset.
  • First-year card fee waiver on principal card and ongoing fee waiver on first two supplementary cards.

Pros

  • Enjoy 3-hour complimentary parking per mall, per day at participating CapitaLand Malls when you spend S$1,200 in a calendar month.
  • Annual fee of $171.20 waived for the first year. First two supplementary cards have no card fees, first year and ongoing.
  • Points are auto credited to your CAPITASTAR account as STAR$, vouchers are redeemed as CapitaVouchers.
  • Every 5,000 STAR$ can be exchanged for a $5 eCapitaVoucher on the CapitaStar App.

Cons

  • Min annual income of $30,000 for citizens/PRs and $60,000 for foreigners.
  • Principal card is free the 1st year but costs $171.20 per year. From third supplementary card you pay $86.40 per card per year.
American Express True Cashback Credit Card

Not available for application via this website

American Express True Cashback Credit Card

Cashback

1.50% on any domestic spend

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive S$150 eCapitaVouchers. Terms and Conditions apply.

Highlights

  • Receive S$150 eCapitaVouchers with min. spending of S$500 within first month of Card approval if you are new to American Express. Terms and Conditions apply.
  • Earn 1.5% cashback on all eligible purchases in the same month without a minimum spend or earning cap.
  • Annual fee waived in the first year, reverting to $174.40 p.a.
  • Save on wedding packages and get curated American Express True Cashback Card Offers on retail, travel, dining and entertainment.

Pros

  • Earn 3% cashback on all eligible purchases in the first 6 months for new Card Members (up to S$5,000 spend).
  • First 2 supplementary cards are free.
  • Includes travel inconvenience and travel accident insurance.
  • Fraud protection.

Cons

  • The minimum annual income of $30,000 for citizens/PRs or $45,000 for foreigners.
  • The principal card is free for the 1st year but costs $174.40 per year after.
  • A late payment charge of $100 if you don't pay the minimum monthly payment — higher of 3% or $50 — in full.
  • No balance transfer offer.
American Express Singapore Airlines Business Credit Card

On website

Apply by 28 May 2025

American Express Singapore Airlines Business Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive S$300 Statement Credits

Highlights

  • Receive S$300 statement credits with annual fee payment and minimum spend of S$3,000 within the first 2 months of card approval for general business expenses. Terms and conditions apply.
  • Earn up to 8 HighFlyer points per S$1 spent on eligible Singapore Airlines Group flights.
  • Earn 1.8 HighFlyer points per S$1 on all other eligible business expenditures.

Pros

  • Unlock generous welcome offers upon approval.
  • Enjoy Priority Pass membership with two complimentary lounge visits per year, valid for you and a guest.
  • Fast-track to KrisFlyer Elite Gold status by spending S$15,000 on Singapore Airlines Group within the first 12 months.
  • Receive a complimentary annual night’s stay across Asia Pacific, valued at S$418, with Accor Plus membership.
  • Benefit from up to 51 interest-free days on your purchases.

Cons

  • The annual fee of S$400 p.a (inclusive of 9% GST).
American Express Platinum Credit Card

Not available for application via this website

Apply by 28 May 2025

American Express Platinum Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Receive up to S$400 cashback. Get S$200 cashback with annual fee payment and minimum spend of S$1,000 within first month of card approval if you are new to American Express. Plus earn up to S$200 cashback when you spend at participating lifestyle brands. Terms and Conditions apply.
  • Earn 10 membership rewards points at Platinum 10Xcelerator Partners.
  • 2 membership rewards points on all other purchases.

Pros

  • Get up to $400 cashback when you meet the criteria.
  • The first 2 Supplementary Cards fees are permanently waived.
  • Redeem points at the Membership Rewards Catalogue or pay with points to downsize your card bills.

Cons

  • The annual fee is $327 p.a. (inclusive of 9% GST).
American Express Singapore Airlines KrisFlyer Credit Card

Not available for application via this website

Apply by 28 May 2025

American Express Singapore Airlines KrisFlyer Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 17,000 KrisFlyer miles. Terms and Conditions apply.

Highlights

  • Receive up to 17,000 KrisFlyer miles with min. spending of S$1,000 within first month of Card approval if you are new to American Express, Terms and Conditions apply.
  • First-year fee waiver for main cardholder and supplementary card.
  • Get $150 cashback for use on your next purchase on singaporeair.com when you spend $12,000 on eligible purchases with your Card from 1 July 2024 to 30 June 2025.
  • Earn 2 KrisFlyer miles Singapore Airlines, Scoot, and KrisShop transactions.

Pros

  • First year fee waiver
  • Earn 2 miles per $1 spend on Grab rides, up to $200 each month.
  • All other purchases earn you 1.1 miles per $1 spend.
  • All miles are auto-credited to your KrisFlyer account, sparing you the hassle.

Cons

  • Min annual income of $30,000 for citizens/PRs and $45,000 for foreigners.
  • Annual fee waived the 1st year, but $179.85 for the principal card and $54.50 for each supplementary card thereafter.
  • Free travel insurance only when your air ticket is charged to your card.

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Not available for application via this website

Apply by 28 May 2025

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Receive up to 40,000 KrisFlyer miles when you meet the criteria. Terms and Conditions apply.

Highlights

  • Earn up to 40,000 KrisFlyer miles as a welcome bonus. Receive 40,000 miles with annual fee payment and a minimum spending of S$2,000 within the first 3 months of Card approval. Available to new American Express Card Members. Terms and Conditions apply.
  • Get a complimentary one-night stay at Hilton Properties in the Asia Pacific and 4 complimentary lounge access passes each year with exclusive Hertz privileges worldwide.
  • Accelerated upgrade to KrisFlyer Elite Gold Membership with a minimum spend of $16,000 on singaporeair.com within the first 12 months of card approval. This comes with an additional 20kg baggage allowance and other priority privileges.

Pros

  • Enjoy an accelerated upgrade to KrisFlyer Elite Gold membership with a minimum spend of $16,000 on SIA within 12 months of getting your card.
  • On top of 1.2 KrisFlyer Miles per 1$ on local spend, you can earn KrisFlyer Miles at accelerated rates when spending overseas, for transactions with Grab, Singapore Airlines, and KrisShop.
  • Includes travel inconvenience and travel accident benefits.
  • Annual supplementary card fee is waived in the first year.

Cons

  • Min annual income of $50,000 for citizens/PRs and $60,000 for foreigners.
  • The annual fee is $397.85 (inclusive of 9% GST)
  • Free travel insurance only when your air ticket is charged to your card.
  • Supplementary cards have a fee of $81 p.a. second year onwards.
  • Late payment fee is $100.

American Express Platinum Charge Card

Not available for application via this website

Apply by 28 May 2025

American Express Platinum Charge Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 100,000 air miles when you meet the criteria. Terms and Conditions apply.

Highlights

  • Get 100,000 air miles (awarded as 160,000 Membership Rewards points) when you spend S$8,000 in the first 3 months and pay the annual fee.
  • Relax before your flight with unlimited access to over 1,400 airport lounges for you, a Supplementary Card Member, and one guest each.
  • Get up to S$1,000 in yearly statement credits across dining, travel, lifestyle, fashion, and entertainment with qualifying spends.
  • Book premium hotel stays and unlock exclusive perks at participating properties worldwide.

Pros

  • Earn 10 Membership Rewards points per S$1 spent at Platinum 10Xcelerator partners (on cumulative spend up to S$16,000 annually).
  • Continue earning 10 points per S$1 at these partners even after the cap is reached.
  • Get 5 points per S$1 on Singapore Airlines and Scoot flights, and 2 points per S$1 on all other purchases.
  • Receive up to S$200 Airline Credit each year with eligible spend on Singapore Airlines or Scoot.
  • Enjoy up to S$400 in Global Dining Credits annually when you dine locally or overseas.
  • Unwind with S$400 in Lifestyle Credits each year on fine wines, spa treatments and more.
  • Get up to S$17 monthly to spend on streaming or event platforms like Disney+, Netflix, and Ticketmaster.
  • Use S$150 Fashion Credit yearly at NET-A-PORTER and MR PORTER.
  • Access Platinum concierge service for travel planning, dining reservations, and lifestyle requests.

Cons

  • The annual fee is S$1,744 p.a. (inclusive of 9% GST)

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