• Access hundreds of destinations with our 7 airline rewards partner programs and travel agency partners. Fly with Singapore Airlines, Virgin Atlantic & Virgin Blue, Cathay Pacific, Malaysia Airlines, Thai Airways & Air New Zealand.
• Enjoy complimentary enrollment in Membership Rewards Ascent.
• $2 spent = 1 Membership Rewards point
• No points capping or expiry.
• Book any travel through our travel agency partners.
• 24/7 online account access with paperless account statements.
• Online Fraud Protection Guarantee.
• No extra annual fee for a supplementary card.
• Up to 44 Interest free days.
• Introductory interest rate of 0% p.a. on purchases for the first six months. Reverts to 20.74% p.a. there after.
• Read the terms and conditions

• No annual fee
• Can set up reminder emails and text for payments
• Globally available 24/7 customer support
• No supplementary card annual fee
• AmEx not as widely accepted as Visa or Mastercard
• 20.74% p.a. on purchases is slightly above average
• $2 = 1 Membership Rewards point – better reward programs on offer

How does the American Express Gold Ascent Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	American Express Gold Ascent Credit Card	20.74%	-%	$0	-%	- months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

This amazing card has no hefty annual fee; in fact, it has no fee at all! With the Gold Ascent Credit Card you’ll receive plenty of security and convenience features as well as complimentary enrolment in the Membership Rewards Ascent Program enabling you to enjoy a wide range of premium rewards.

Pros

The biggest draw on this card is that it has no annual fee. Even if you get additional cards, you’ll still pay nothing in fees. That’s hard to beat. On top of this you get to earn points to redeem on products or flights. You can choose from one of 7 frequent flyer programs with major airlines including Singapore Airlines, Cathay Pacific, Malaysia Airlines, New Zealand Airlines and more. The points-earning rate is pretty standard at 1 point per $2 spent. Points will never expire, as long as your account remains current and in good standing, so even if it takes you a while, you can get there!

In addition to this you get the peace of mind of being protected by AMEX’ Online Fraud Protection Guarantee. Conveniently, you can view your statements online and manage your account 24/7 online, wherever you are. AMEX have loaded the card with handy features like being able to set up email and text message reminders for payments and being able to keep tabs on your Membership Rewards. You can also access your account from your mobile if that works best for you and get help any time of the day or night by calling the global customer support hotline.

Cons

AMEX doesn’t have the acceptability of Visa or Mastercard so you want to make sure you can use it where you shop most. Also remember that the zero annual fee won’t make up for not making regular repayments and racking up debt and then having to pay loads of interest. Only sign up for a credit card if you’re good with keeping on top of your bills. This card has the shorter 44 day interest free period so if you’re prone to missing deadlines, don’t set yourself up for failure.

Conclusion

A great card with decent points earning potential and great flexibility in points redemption. If you shop at places that take AMEX payments, consider this excellent no annual fee card.