based on 976 American Express product reviews as rated by Mozo community

American Express credit cards

One of the world’s top credit card providers, American Express offers an extensive range of cards to complement the varied lifestyles of its customers. American Express has also been consistently decorated for its credit cards, taking out a whopping 13 awards in the 2023 Mozo Experts Choice Awards, including the prestigious title of 2023 Rewards Credit Card Provider of the Year. 

You can narrow down your search for American Express Credit Cards based on factors like the different loyalty programs, annual fees and card benefits such as complimentary flights, travel insurance and balance transfer offers. 

What credit cards do American Express offer?

From low rate interest on your purchases to premium and luxury experiences, American Express has cards to suit all kinds of customer needs. Here’s a quick look at all the different kinds of credit cards that American Express has to offer:

Rates and fees verified as correct at 19 April 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Are you the kind of person who tends to carry a balance on your card? Then you should probably go after the Low Rate Credit Card from American Express. This will let you take advantage of the low interest rates on everyday purchases and up to 55 days interest free on credit card purchases.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases  

10.99% p.a.

No current offer

$0

55

Go to site

Low fee credit cards

If low fees is most important to you then check out the American Express Essential Credit Card that comes at $0 annual fee. With this card you’ll also enjoy a low interest rate on purchases as well as 0% p.a. on balance transfers for the first 12 months.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases  

10.99% p.a.

No current offer

$0

55

Go to site

23.99% p.a.

No current offer

$0

44

Go to site

23.99% p.a.

No current offer

$0

55

Go to site

Rewards credit cards

Amex is known for its outstanding rewards program, which lets you earn points for everyday purchases made using your credit card. You can then redeem these points for a number of things like shopping vouchers, gift cards and travel bookings. And you’ll also have the option to transfer points to other loyalty programs such as Airline or Hotel Guest Transfer Partners.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

2 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$395

Go to site

1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$195 $0 in the first year

Go to site

0.75 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$0

Go to site

1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$249

1.25 points per dollar on Amex, up to 100000 points per year, then
1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$450

Go to site

0.75 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$0

Go to site

1.25 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$375

Go to site

Prestige cards

Get your hands on a premium credit card with American Express to get access to benefits such as bonus rewards points, complimentary travel insurance and a free domestic return flight every year. 

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

2 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$395

Go to site

1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$195 $0 in the first year

Go to site

1.25 points per dollar on Amex, up to 100000 points per year, then
1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$450

Go to site

1.25 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$375

Go to site

Frequent flyer credit cards

American Express offers a number of cards for jetsetters whose top priority is to earn travel discounts and frequent flyer miles. You can choose a credit card based on whether you want to rack up Qantas or Velocity points.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

0.75 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$0

Go to site

1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$249

1.25 points per dollar on Amex, up to 100000 points per year, then
1 point per dollar on Amex, uncapped

23.99% p.a.

No current offer

$450

Go to site

0.75 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$0

Go to site

1.25 points per dollar on Amex, uncapped

23.99% p.a.

No current offer

$375

Go to site

How are American Express credit cards rated?

Mozo users have rated American Express credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
American Express credit cards
Overall
Price
Features
Customer service
Convenience
Trust

925 Reviews

Recent American Express credit card reviews

American Express Credit Card
Overall 7/10
Flexibilities are amazing but protection limited.

The rewards systems and flexibility is the main appeal. However, processes are long especially in regards to disputes. There is lack of protection and communications.

Read full review

The rewards systems and flexibility is the main appeal. However, processes are long especially in regards to disputes. There is lack of protection and communications.

Price
4/10
Features
7/10
Convenience
5/10
Trust
7/10
Less
Caitlin, New South Wales, reviewed 5 months ago
American Express Credit Card
Overall 9/10
AMEX is awesome for QANTAS points

Loved my AMEX card and how helpful they have been with any issues or even once a scam. It's easy to use and see my points accumulating. Perhaps the app needs an update or fresh look though.

Read full review

Loved my AMEX card and how helpful they have been with any issues or even once a scam. It's easy to use and see my points accumulating. Perhaps the app needs an update or fresh look though.

Price
8/10
Features
10/10
Customer service
10/10
Convenience
4/10
Trust
10/10
Less
Bass, Queensland, reviewed 5 months ago
American Express Credit Card
Overall 7/10
Great card for all

Fantastic customer service and bonus offers, love getting money off every month with certain deals. The essential is the best as there is no annual fee.

Read full review

Fantastic customer service and bonus offers, love getting money off every month with certain deals. The essential is the best as there is no annual fee.

Price
8/10
Features
7/10
Customer service
10/10
Convenience
4/10
Trust
8/10
Less
Jamie, South Australia, reviewed 5 months ago
American Express Essential Credit Card
Overall 7/10
Overall good card

Good rewards points that you can use to pay interest charges. But not all businesses accept american express so it limits its use. Would be handy for travel though.

Read full review

Good rewards points that you can use to pay interest charges. But not all businesses accept american express so it limits its use. Would be handy for travel though.

Price
3/10
Features
5/10
Customer service
5/10
Convenience
5/10
Trust
5/10
Less
Trent, Queensland, reviewed 9 months ago
American Express Qantas Premium Card
Overall 5/10
Okay

I just feel it's quite a vanilla offering. They've become complacent, and should strive to offer more.

Read full review

I just feel it's quite a vanilla offering. They've become complacent, and should strive to offer more.

Price
3/10
Features
8/10
Customer service
5/10
Convenience
7/10
Trust
9/10
Less
Luciano, New South Wales, reviewed 9 months ago

What do you need to apply for a American Express credit card?

First of all take your time to compare the different American Express Credit Cards so you’re sure of the one that best suits your financial habits. Once you’ve made the decision, hit the ‘Go to site’ button on Mozo to reach the American Express website and begin your online application.

Each card may have certain specific eligibility criteria, but generally to be able to apply for an American Express Credit Card you will need to fulfil the following conditions:


When you actually submit your credit card application, you’ll also need to provide documentation regarding employment, income and bank account information.

Credit card quick links