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.

5 reviews
Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
Earn up to 2 pts per $1 spent on eligible purchases with the Membership Rewards Gateway program.

American Express offers different kinds of credit cards both for personal and business use. 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.

My monthly spend: 
$5,000
 
Features: 
All features
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
  • Only
Types: 
All types
  • Only
  • Only
  • Only
Rewards points
Earn rate
Sign up bonus
Points earned
Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
Enjoy up to two entries per year to the American Express Lounge.
More info
Add to comparison
Membership Rewards Gateway
Membership Rewards Gateway
2 pts
per $1 spent
50,000
points
after spend criteria
American Express Business Explorer Credit Card
Apply by 31 jan 18
Receive 100,000 points when you apply by 31st Jan 2018, are approved and spend $3,000 on your card within the first 3 months.
Earn 50,000 business loyalty bonus points when you spend $100,000 every 12 months from the card approval date.
Enjoy up to two entries per year to the American Express Lounge.
More info
Add to comparison
Membership Rewards Gateway
Membership Rewards Gateway
2 pts
per $1 spent
100,000
points
after spend criteria
80,000 points when you apply online, are approved and spend $1,500 in the first 3 months.
Complimentary access for you and a guest to over 1,100 Airport lounges across 120 countries.
Benefit from up to 3 points per $1 spent, transferable to a choice of 10 leading airline programs.
More info
Add to comparison
Membership Rewards Ascent Premium
Membership Rewards Ascent Premium
1 pt
per $1 spent
80,000
points
after spend criteria
Receive 40,000 points or 30,000 Qantas Points when you apply. (Conditions Apply)
Earn either Membership Rewards or Qantas Frequent Flyer as your rewards program.
Loads of instore benefits and perks at David Jones.
More info
Add to comparison
Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
40,000
points
after spend criteria
American Express Qantas Business Rewards Card
Apply by 31 jan 18
100,000 bonus Qantas Points when you are approved by 31 Jan 2017 and spend $3,000 in 2 months.
Earn Triple Qantas Points for your business on eligible Qantas Flights.
Earn 2 Qantas Points per $1 spent on Qantas products and services.
More info
Add to comparison
Qantas Business Rewards
Qantas Business Rewards
1.25 pts
per $1 spent
100,000
points
after spend criteria
Earn 30,000 points when you apply online as a new Card Member, are approved and spend $1,500 in 3 months of Card Membership.
Relax with 2 complimentary Qantas Club invitations every year. (Conditions Apply)
Complimentary domestic and international travel insurance.
More info
Add to comparison
Qantas Frequent Flyer
Qantas Frequent Flyer
-
30,000
points
after spend criteria
Get 55,000 bonus Qantas Points when you apply online, are approved and spend $1,500 in 3 months.
Earn 1.5 pts per $1 spent on card purchases.
Complimentary domestic and overseas travel insurance.
More info
Add to comparison
Qantas Frequent Flyer
Qantas Frequent Flyer
-
55,000
points
after spend criteria
Receive 50,000 points when you apply online, are approved and spend $1,500 on your card within the first 3 months. Conditions apply.
A complimentary domestic return flight every year with travel insurance and entry into Virgin Australia Lounges.
Good points earning rates. Up to 2.5 points per dollar spent on purchases with Virgin Australia. 1.5 pts per $1 spent elsewhere.
More info
Add to comparison
Velocity Frequent Flyer
Velocity Frequent Flyer
1.5 pts
per $1 spent
50,000
points
after spend criteria
American Express Business Accelerator Credit Card
Apply by 31 jan 18
1 review
Earn 10,000 points when you apply, are approved and spend $1,000 in 2 months.
Earn up to 2 pts per $1 spent for each dollar spent.
Receive 55 interest free days on your purchases.
More info
Add to comparison
Membership Rewards Ascent
Membership Rewards Ascent
2 pts
per $1 spent
10,000
points
after spend criteria
Earn 1 Membership Rewards point for each dollar spent.
No pre-set spending limit means more flexibility.
Extend your cash flow up to 51 days.
More info
Add to comparison
Membership Rewards Ascent
Membership Rewards Ascent
1 pt
per $1 spent
-
Receive 20,000 points or 15,000 Qantas Points. (Conditions Apply)
Earn up to 3 points per $1 spent at major supermarkets and petrol stations, 2 points per $1 spent at David Jones, and 1 point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer points or Membership Rewards points.
More info
Add to comparison
Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
20,000
points
after spend criteria
Show more cards
 

Q&As about American Express Credit Cards from customers

Q: 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.

Q: 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.

Q: 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 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.

Q: 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, such as rewards for frequent flyers, or for hotel rewards.

Q: 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.

Q: 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.

Q: Are points capped?

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.

Q: 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.

Q: 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. Click on the 'Apply’ button for each card and you will be presented with a list of requirements prior to application.

Q: How can I improve my chances of being approved?

To get approved for a 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 get a yearly 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. When you are ready, simply click the 'Apply’ button and submit your online application.`

as seen in
Compare these cards: