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Compare American Express credit cards

Find a credit card that best suits your needs. Compare interest rates, balance transfer rates, annual fees and more from Australia's leading lenders, big and small.

American Express, commonly known as AMEX, is a multinational financial services corporation headquartered in New York.

AMEX is the world’s largest credit card issuer by purchase volume. Alongside AMEX credit cards, the company provides personal financial products such as travellers’ cheques, as well as business and corporate financial services.

American Express has a corporate office in Sydney and various currency exchanges around Australia, but no dedicated customer service branches. ATM access is available through AMEX’s network of partner ATMs.

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If you’re looking for a credit card with a lot of rewards and perks, an American Express credit card may work for you.

The American Express credit card range can offer big benefits to people who spend a lot by credit card, plus those who travel both domestically and internationally.

In Australia, American Express has partnered with several banks, airlines and retailer David Jones to create 12 individual credit cards, each offering different advantages.

American Express credit cards are also referred to as Amex cards, for short.

What rewards and perks do American Express credit cards offer?

The list of perks includes:

  • Membership rewards
  • Travel credit
  • Frequent flyer points for Qantas and Velocity
  • Airport lounge access
  • Complimentary travel insurance
  • Gift vouchers
  • Ability to use points to pay charges on your statement

RateCity has a full list of benefits offered by each individual Amex card.

Are American Express credit cards right for you?

Here are some things to consider before you get an American Express credit card:

  • How much will you be spending on your American Express card? To get the most out of the benefits, a minimum spend may be required. For example, several Amex cards state that you need to put at least $1,500 of purchases on the card in the first three months to receive bonus membership points.
  • Will you use the benefits and rewards offered? Travel benefits and membership rewards are the big drawcards of several American Express cards. However, if you have no intention to travel, and the rewards offered are for shops and services you don’t use, an Amex may not be the best option.
  • Is the annual fee worth it? Although they do offer some cards with no annual fee, out of all the credit cards monitored by RateCity, American Express cards have some of the most expensive annual fees. Check to see if the benefits you’ll receive outweigh the fees you’ll be charged.
  • Is the interest rate competitive? If you don’t pay off your credit card balance in full each month, it could be worth choosing a card with a lower interest rate, even if it offers fewer perks.

RateCity has a credit card comparison tool that helps you see what card could work best for you.

Can you use an American express credit card anywhere?

American Express is accepted in many places around Australia. However, some businesses, especially smaller ones, will not accept Amex cards or may ask you to pay a surcharge.

How can I apply for an American Express credit card?

To qualify for an Amex card, there are specific requirements that vary between the cards offered.

Most require the following:

  • At least 18 years
  • Australian citizenship or permanent residency
  • A personal or household gross (pre-tax) annual income of $65,000 or more
  • No history of bad debt or payment defaults

 The following documents will also usually be required:

  • A copy of your driver’s licence
  • A copy of your passport or Medicare card
  • Proof of income – recent payslips, or an ATO tax statement or a letter of employment
  • Employer or accountant contact details

If your application is approved, you will usually receive your new American Express credit card in the mail within five to 10 business days.

About American Express credit cards

American Express offers a variety of credit cards, ranging from standard credit cards to platinum credit cards. Within its range, AMEX has low-rate credit cards, low-fee credit cards, frequent flyer credit cards and rewards cards.

AMEX credit card rates and fees range from low to high based on the type of credit card. For example, its low-rate credit card has a low interest rate and no annual fee, while its Qantas and Virgin Velocity frequent flyer cards come with high interest rates, and fees tend to be higher.

American Express frequent flyer cards allow cardholders to earn frequent flyer points for spending, and its other rewards cards enable customers to redeem earned points for rewards such as David Jones gift cards and cash back.

Some American Express credit cards come with an introductory 0 per cent balance transfer rate and allow free supplementary cardholders.

American Express credit cards review

Despite not having bank branches in Australia, American Express is nonetheless a well-known and relatively widely-used credit card provider. As such, it provides a diverse range of credit cards to suit different needs.

The two types of customers who are likely to be drawn to American Express credit cards are those looking to cut down on interest rates and fees, and those looking to earn rewards or frequent flyer points for spending.

While some AMEX cards offer value for money through lower rates and fees or rewards, keep in mind that many retailers in Australia add a surcharge to purchases made with American Express cards - which may end up costing you more in the long run.

In terms of rewards, though, AMEX offers plenty of flexibility, as different rewards programs are tailored to suit different types of rewards, such as frequent flyer points, gift cards and cash back.

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  • ^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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