American Express credit cards
11 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
Membership Rewards · 5
American Express Platinum CardEnds soon2.25 Membership Rewards pts per $ · $1,450 fee · international lounges · ends 3 Nov 2026
$5046th of 66300,000 pts ≈ $1,500 · 200k in year 1
- Annual fee
- $1,450
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Membership Rewards
- Base earn rate
- 2.25 Membership Rewards pts per $
- Purchase rate
- Charge card · paid in full monthly
- Airport lounges
- International
- Complimentary travel insurance
- Yes
200,000 Bonus Membership Rewards Points when you apply online by 3 November 2026, are approved, and spend $5,000 on eligible purchases within the first 3 months of your approval date. Plus 100,000 when you spend a further $5,000 within the first 3 months of your second year of Card membership. New Amex Card Members only.
1 Membership Rewards pts per $ · $108 fee
$4247th of 6630,000 pts ≈ $150
- Annual fee
- $108
- Monthly fee
- $9
- Additional cardholder
- Free
- Rewards program
- Membership Rewards
- Base earn rate
- 1 Membership Rewards pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Apply online, get approved, and spend $3,000 on eligible purchases within the first 3 months. New Amex Card Members only. T&Cs apply.
2 Membership Rewards pts per $ · $395 fee · international lounges · ends 3 Nov 2026
−$2059th of 6675,000 pts ≈ $375
- Annual fee
- $395
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Membership Rewards
- Base earn rate
- 2 Membership Rewards pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Airport lounges
- International
- Complimentary travel insurance
- Yes
Receive 75,000 Bonus Membership Rewards Points when you apply online by 3 November 2026, are approved, and spend $4,000 on eligible purchases within the first 3 months. New American Express Card Members only.
1 Membership Rewards pts per $ · $195 fee, $0 in year 1
—No bonus · $195 fee, $0 in year 1- Annual fee
- $195
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- Membership Rewards
- Base earn rate
- 1 Membership Rewards pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
2.25 Membership Rewards pts per $ · $395 fee · international lounges
—No bonus · $395 fee- Annual fee
- $395
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Membership Rewards
- Base earn rate
- 2.25 Membership Rewards pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Airport lounges
- International
- Complimentary travel insurance
- Yes
Qantas Frequent Flyer · 3
1.25 Qantas Frequent Flyer pts per $ · $450 fee · international lounges · ends 17 Nov 2026
$5103rd of 66120,000 pts ≈ $960 · 70k in year 1
- Annual fee
- $450
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 1.25 Qantas Frequent Flyer pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 44
- Airport lounges
- International
- Complimentary travel insurance
- Yes
Apply online by 17 November 2026, get approved, and spend $5,000 on eligible purchases within the first 3 months of approval for 70,000 Qantas Points. Plus, earn an additional 50,000 Qantas Points when you spend a further $5,000 within the first 3 months of your second year of Card Membership. New Amex Card Members only. T&Cs apply.
1 Qantas Frequent Flyer pts per $ · $249 fee · domestic lounges
−$8965th of 6620,000 pts ≈ $160
- Annual fee
- $249
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 1 Qantas Frequent Flyer pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 44
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Apply online, get approved, and spend $3,000 on eligible purchases within the first 3 months of approval. New Amex Card Members only. T&Cs apply.
0.75 Qantas Frequent Flyer pts per $ · no annual fee
—No bonus · no annual fee- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.75 Qantas Frequent Flyer pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 44
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Velocity Rewards · 2
1 Velocity Rewards pts per $ · $95 fee · ends 25 May 2027
$6541st of 6620,000 pts ≈ $160
- Annual fee
- $95
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Velocity Rewards
- Base earn rate
- 1 Velocity Rewards pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Apply online by 25 May 2027, get approved, and spend $3,000 on eligible purchases within the first 3 months of your approval date. New Amex Card Members only. T&Cs apply.
1.25 Velocity Rewards pts per $ · $440 fee · domestic lounges
−$4063rd of 6650,000 pts ≈ $400
- Annual fee
- $440
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- Velocity Rewards
- Base earn rate
- 1.25 Velocity Rewards pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Apply online, get approved, and spend $5,000 on eligible purchases on your new Card within 3 months of your approval date. Only available to new Card Members who have not held any American Express Card within the last 18 months. T&Cs apply.
No rewards · 1
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 10.99% p.a.
- Interest-free days
- Up to 55
- Complimentary travel insurance
- No
- Purchase protection
- Yes
- Platinum Card$50 net3 Nov 20261 day left
- Explorer Credit Card−$20 net3 Nov 20261 day left
- Qantas Ultimate Card$510 net17 Nov 202615 days left
- Velocity Escape Plus Card$65 net25 May 20277 months left
No published end date · 3
- Essential Rewards Credit Card$42 net
- Velocity Platinum Card−$40 net
- Qantas Premium Card−$89 net
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
October 20263 changes
- 14Wed
- American Express Velocity Platinum Cardbonus 100,000 pts → 50,000 pts−50k pts
- 7Wed
- American Express Explorer Credit Cardbonus 115,000 pts → 75,000 pts−40k pts
- American Express Platinum Cardbonus 340,000 pts → 300,000 pts−40k pts
September 20265 changes
- 25Fri
- American Express Explorer Credit Cardbase earn rate — → 2 per $—
- 24Thu
- American Express Explorer Credit Cardearn rates restated—
- 13Sun
- American Express Platinum Edge Credit Cardearn rates restated—
- American Express Essential Rewards Credit Cardbase earn rate 1 → 5 per $—
- Qantas American Express Ultimate Cardearn rates restated—
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on American Express credit cards
to leave a note.
As of 2 November 2026, American Express has 11 credit cards tracked by BankMate, seven of them carrying a sign-up bonus. The Qantas American Express Ultimate Card's 120,000 pts are worth about $960, or $510 after its $450 first-year fee, which ranks 3rd of 66 bonus cards. Its cards last changed on 14 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.