based on 910 American Express banking 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 numerous individual Mozo Experts Choice Awards and the prestigious title of 2020 Credit Card Provider of the Year - the fourth straight year in which American Express has received the crown. 

You can narrow down your search for American Express Credit Cards based on factors like the different loyalty programs, annual fee 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 20 September, 2021. 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  

14.99% p.a.

No current offer

$0

55

8.99% 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  

14.99% p.a.

No current offer

$0

55

8.99% p.a.

No current offer

$0

55

Go to site

20.74% p.a.

No current offer

$0

44

Go to site

20.74% 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  

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$120 $0 in the first year

Go to site

1.25 points per dollar on Amex, uncapped

14.99% p.a.

No current offer

$0

2 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$395

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$195 $0 in the first year

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$0

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$249

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$450

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$0

Go to site

1.25 points per dollar on Amex, uncapped

20.74% 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

20.74% p.a.

No current offer

$395

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$195 $0 in the first year

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$450

Go to site

1.25 points per dollar on Amex, uncapped

20.74% 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

20.74% p.a.

No current offer

$0

Go to site

1 point per dollar on Amex, uncapped

20.74% p.a.

No current offer

$249

Go to site

1.25 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$450

Go to site

0.75 points per dollar on Amex, uncapped

20.74% p.a.

No current offer

$0

Go to site

1.25 points per dollar on Amex, uncapped

20.74% 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

910 Reviews

Recent American Express credit card reviews

American Express Qantas Premium Card
Overall 9/10
Great AMEX

Its easy to use with apple pay and the pints are great. Direct debit is also easy to use and set up.

Read full review

Its easy to use with apple pay and the pints are great. Direct debit is also easy to use and set up.

Price
8/10
Features
10/10
Customer service
9/10
Convenience
8/10
Trust
9/10
Less
Gerard, New South Wales, reviewed 13 days ago
American Express Credit Card
Overall 0/10
T&C's poorly advised

To all Amex Card holders I suggest you make yourself aware of the disguised and poorly worded T&C's relating to ALL Amex offers. Their very recent "Amex Card delicious month" promotion allows your registered card to only partake in the 20% credit offer at a participating restaurant on virtually only ONE restaurant as it has a max. credit value of $25 per CARD...NOT PER RESTAURANT. Yes, their T&C's tell you this, however the terminology is very poorly worded. I spent a further $300 at 2 more restaurants and received NO CREDIT as I had already used my allocation on an earlier restaurant. Crazy situation..you would think Amex wanted you to use your card! ..not so apparently.

Read full review

To all Amex Card holders I suggest you make yourself aware of the disguised and poorly worded T&C's relating to ALL Amex offers. Their very recent "Amex Card delicious month" promotion allows your registered card to only partake in the 20% credit offer at a participating restaurant on virtually only ONE restaurant as it has a max. credit value of $25 per CARD...NOT PER RESTAURANT. Yes, their T&C's tell you this, however the terminology is very poorly worded. I spent a further $300 at 2 more restaurants and received NO CREDIT as I had already used my allocation on an earlier restaurant. Crazy situation..you would think Amex wanted you to use your card! ..not so apparently.

Less
Robert, Victoria, reviewed 3 months ago
American Express Credit Card
Overall 1/10
American Express Failure.

Not my first review for AMEX. Gold Card over 40 years of loyalty. Again they they are giving 5 days to pay or charging you a penalty. Initially, it was 1 month then 2 weeks NOW 3-5 days. Unreasonable and unprofessional. Result of contacting them and asking why no date stamp on envelope they read a script and then HANG up. 0/100 for professionalism.

Read full review

Not my first review for AMEX. Gold Card over 40 years of loyalty. Again they they are giving 5 days to pay or charging you a penalty. Initially, it was 1 month then 2 weeks NOW 3-5 days. Unreasonable and unprofessional. Result of contacting them and asking why no date stamp on envelope they read a script and then HANG up. 0/100 for professionalism.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jim, New South Wales, reviewed 2 months ago
American Express Qantas Ultimate Card
Overall 1/10
Worst customer service ever.

They have the worst customer service I have ever seen in a credit card company. Don't even bother.

Read full review

They have the worst customer service I have ever seen in a credit card company. Don't even bother.

Price
1/10
Features
6/10
Customer service
1/10
Trust
1/10
Less
Ivan, New South Wales, reviewed 5 months ago
American Express Credit Card
Overall 7/10
Great for shopping

Amex from david jones is good credit card as you accumulate points by shopping at DJs and you can use your points to get great vouchers

Read full review

Amex from david jones is good credit card as you accumulate points by shopping at DJs and you can use your points to get great vouchers

Price
5/10
Features
4/10
Customer service
9/10
Convenience
7/10
Trust
8/10
Less
Khashayar, Western Australia, reviewed 6 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:

  • Be over 18 years of age
  • Be a permanent resident or citizen of Australia; or hold a current Business Long Stay Visa
  • Earn a personal gross annual income of $35,000 or more
  • Or, if you are self-employed, have been trading for at least 18 months, or 12 months if you already hold an American Express issued Card
  • Have a good credit history, with no payment defaults

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

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