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American Express · Membership Rewards · Credit card
LiveAmerican Express Essential Rewards Credit Card
30,000 pts Membership Rewards, worth about $210 as of 18 September 2026. After the $108 first-year fee it nets $102, 44th of 51 bonus cards tracked by BankMate. No end date is published for the offer.
30,000points
≈ $210 in value · $102 after the $108 first-year fee
Apply online, get approved, and spend $3,000 on eligible purchases within the first 3 months. New Amex Card Members only. T&Cs apply.
Bonus over time
Sign-up bonus points- American Express Essential Rewards Credit Card
Changes
1 change since 10 Sept 2026- American Express Essential Rewards Credit Card · base earn rate 1 → 5 per $From the issuer's CDR feed—
Fees
- Annual fee
- $108
- Monthly fee
- $9
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Late payment fee
- $30
Earning
- Rewards program
- Membership Rewards
- Base earn rate
- 5 Membership Rewards pts per $
Interest
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
Perks
- Airport lounges
- Domestic
- Complimentary travel insurance
- No
- Purchase protection
- Yes
- Concierge
- No
- Network
- Amex
Eligibility
- Minimum credit limit
- $2,000
About this product
Expect extra with the American Express Essential Rewards Credit Card.