Membership Rewards · Credit card

American Express Essential Rewards Credit Card

30,000points

≈ $150 in value · $42 after the $108 first-year fee

47th of 66 bonus cards

1st66th

Go to American Express

Apply online, get approved, and spend $3,000 on eligible purchases within the first 3 months. New Amex Card Members only. T&Cs apply.

Annual fee

$108

Rewards program

Membership Rewards

Purchase rate

23.99% p.a.

Complimentary travel insurance

No

Minimum credit limit

$2,000

Monthly fee

$9

Compare all 113 cards

Also from American Express: Qantas American Express Ultimate Card $510 net · American Express Velocity Escape Plus Card $65 net · American Express Platinum Card $50 net · American Express Explorer Credit Card −$20 net · American Express Velocity Platinum Card −$40 net · Qantas American Express Premium Card −$89 net · Qantas American Express Discovery Card no annual fee · American Express® Platinum Reserve Credit Card $395 fee · Low Rate Credit Card from American Express no annual fee · American Express Platinum Edge Credit Card $195 fee, $0 in year 1

30,000 pts Membership Rewards, worth about $150 as of 2 November 2026. After the $108 first-year fee it nets $42, 47th of 66 bonus cards tracked by BankMate. No end date is published for the offer. From the provider's Consumer Data Right feed, refreshed nightly. Report a data problem