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Best American Express Credit Cards

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11 listings

Qantas American Express Discovery
  • Award Winner 2020

No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Discovery

4.4 from 50 reviews

  • No Annual Fee



  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Specifications
  • Pros & Cons
  • Minimum Credit Limit $2,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rates 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay

  • No Annual Fee

  • No Points Earn Cap



  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

Qantas American Express Ultimate

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Ultimate

4.0 from 65 reviews

  • Regular Bonus Point Offers (currently 55,000)



  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • Specifications
  • Pros & Cons
  • Description
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rates 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online and spend $3,000 within the first 3 months.

  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

American Express Explorer

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Explorer

4.2 from 14 reviews

  • $400 Travel Credit each year

  • 0% p.a. on Balance Transfers for the first 12 months

  • Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

  • Earn up to 2 Membership Rewards points per $1

  • Complimentary Travel Insurance

Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points70,000

  • Specifications
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rates 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 70,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.

  • $400 Travel Credit each year

  • 0% p.a. on Balance Transfers for the first 12 months

  • Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

  • Earn up to 2 Membership Rewards points per $1

  • Complimentary Travel Insurance

  • $395 Annual Fee

  • 1% Balance Transfer Fee

American Express Platinum

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsAmerican Express Platinum

3.1 from 39 reviews

  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

Purchase Rate
Annual Fee$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points120,000

  • Specifications
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income $100,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rates 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive a welcome bonus of 120,000 Membership Rewards points when you spend $1,500 in the first 3 months.

  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000

American Express Essential

Low Rate Credit Cards, No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Essential

2.5 from 105 reviews

  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Specifications
  • Pros & Cons
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $25,000
  • Minimum Income $40,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rates 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay

  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee

American Express Platinum Edge

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Platinum Edge

2.6 from 61 reviews

  • $200 Travel Credit each year

  • Earn up to 3 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Complimentary Travel Insurance

  • Add up to 4 Cards at no additional cost

Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
  • Specifications
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $50,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rates 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay

  • $200 Travel Credit each year

  • Earn up to 3 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Complimentary Travel Insurance

  • Add up to 4 Cards at no additional cost

  • $195 Annual Fee

  • 1% Balance Transfer Fee

American Express Velocity Platinum

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Velocity Platinum

3.8 from 10 reviews

  • 50,000 bonus Velocity Points on offer

  • Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

  • Complimentary Travel Insurance

  • 0% p.a. on Balance Transfers for the first 12 months

Purchase Rate20.74% p.a.
Annual Fee$375 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • Specifications
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000
  • Maximum Credit Limit $10,000
  • Minimum Income $65,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rates 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 bonus Velocity Points when you spend $3,000 within the first 3 months.

  • 50,000 bonus Velocity Points on offer

  • Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

  • Complimentary Travel Insurance

  • 0% p.a. on Balance Transfers for the first 12 months

  • $375 Annual Fee

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

American Express Velocity Escape

No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Velocity Escape

3.5 from 10 reviews

  • $0 Annual Fee

  • 0% p.a. on Balance Transfers for the 12 months

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Specifications
  • Pros & Cons
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $25,000
  • Minimum Income $40,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rates 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay

  • $0 Annual Fee

  • 0% p.a. on Balance Transfers for the 12 months

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

American Express Low Rate

Low Rate Credit Cards, No Annual Fee Credit Cards and Balance Transfer Credit CardsAmerican Express Low Rate

5.0 from 1 review

  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost

Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Specifications
  • Pros & Cons
  • Minimum Credit Limit $1,000
  • Minimum Income $50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay

  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program

Qantas American Express Premium

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Premium

4.0 from 3 reviews

  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • 0% on Balance Transfers for the first 12 months

Purchase Rate20.74% p.a.
Annual Fee$249 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • Specifications
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $50,000
  • Minimum Income $40,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rates 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.

  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • 0% on Balance Transfers for the first 12 months

  • $249 Annual Fee

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

American Express Platinum Business

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsAmerican Express Platinum Business

1.0 from 1 review

  • 150,000 bonus Membership Rewards Points on offer

  • No pre-set spending limit

  • Earn up to 2.25 points per $1 spent

  • Add up to 99 Employee Cards at no additional cost

  • Complimentary Accor Plus membership (valued at $395 p.a.)

  • Complimentary Travel Insurances including Business Trip Completion Cover

Purchase Rate
Annual Fee$1,750 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points150,000

  • Specifications
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Income $75,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rates 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 150,000 bonus Membership Rewards points when you spend $5,000 in the first 3 months.

  • 150,000 bonus Membership Rewards Points on offer

  • No pre-set spending limit

  • Earn up to 2.25 points per $1 spent

  • Add up to 99 Employee Cards at no additional cost

  • Complimentary Accor Plus membership (valued at $395 p.a.)

  • Complimentary Travel Insurances including Business Trip Completion Cover

  • $1,750 Annual Fee

  • 3% Foreign Transaction Fee