As a special boon you also get free FF points from Qantas if you apply for this card between now and 1 March 2011. In fact, you get 10,000 free points. Imagine where you can fly with this gift. Actually, you don’t have to, let me know you…

Fly Like a Bird – You Choose Where To

To give you an idea as to how far you can fly with your points, check out the following examples:

• Darwin to Brisbane flies you for 18,000 points. On top you have to pay a measly $23.02 for fees and taxes or cash an extra 3,000 points
• Brisbane to Melbourne can be had for 12,000 points, plus $11.69 in fees and taxes or 3,000 points extra
• Melbourne to Sydney is yours for 8,000 points plus $10.82 in fees and taxes or 3,000 extra points
• Sydney to Hobart costs only 12,000 points and $11.69 in fees and taxes or 3,000 extra points
• Perth to Adelaide can become a reality for 18,000 points plus $18.85 in fees and taxes or 3,000 extra points
• Fancy a shopping trip from Sydney to Los Angeles? 48,000 points plus $192.48 in fees and taxes will see you fly across the pond in style.

If you act between now and 1 March 2011 you will receive 10,000 free Qantas Frequent Flyer points – as a sign of appreciation from American Express. You have to read and understand the conditions attached to this offer though before you jump up in joy. Even so, the offer is sound, take a look at the terms below.

Terms for Free Offer

The following explains how the free points will be applied to your account:

• The first 2,500 points will be credited to your account when you use your new card for the first time (within three months of joining as a member)
• The next 5,000 points will be added to your account when you spend $300 on purchases within the first three months of becoming a member
• The last 2,500 points will be added to your account when you use your card to buy selected Qantas services and products

Receive Dollar For Spending Value

For every $1 you spend on your Qantas American Express Discovery Card you get 1 Qantas FF point. No limit of earning points applies which means you can keep collecting your points indefinitely.

No Yearly Credit Card Fee Saving Your More Money

The Qantas American Express Discovery Card comes without a yearly fee. Usually cards of this stature attract a healthy card fee in the hundreds. This is a nice extra perk that will help save you money.

Plenty of Partner Airlines to Choose From

Qantas has 27 partner airlines which allows you to fly anywhere in their respective networks. The more points you earn, the farther you can fly. It’s a matter of using your card for everyday purchases to make the most of your points earning potential.

Interest-Free Shopping

With 44 days of interest-free shopping you keep your money where it belongs – in your pocket. Pay off your account in full every month and benefit from the 44 interest free shopping days.

Benefits of the American Express Discovery Card?

A range of powerful benefits will see that you are enjoying the best you can with this card:

• Automatic transfer of your points to your Qantas FF account
• Shop safely online thanks to the Online Fraud Protection Guarantee
• Be covered with the 90-day Purchase Protection Guarantee for lost or stolen goods
• The American Express Refund Protection service will have you covered should you ever be refused a refund within 90 days of buying an item
• Sign up for free SMS or email account updates on the fly
• Receive a replacement card within hours thanks to the global service coverage
• The Global Customer Service will take care of your needs 24/7

Apply online for the Qantas American Express Discovery Card and get the following information handy:

• Your employer’s details (including full address and telephone number).
• Your monthly repayments for car, personal or other loans.
• Your American Express credit card number (for existing customers).
• Your annual salary plus other annual income before tax.
• Combined credit limit for cards that are NOT held with American Express.
• Your driver’s licence info.
• Your monthly household expenses.
• Details of your accountant if you are self-employed,

Approval Criteria

If you are 18 years or older and your credit history is sound; if you are a permanent resident of Australia or a citizen; if you hold a current Business Long Stay Visa (Subclass 457); if your earn $35,000 per year before tax; if you are self employed with a track record of 18 months or 12 months if you currently hold another Amex card, then you can click the button below now.

In addition to these features, the American Express Qantas Business credit card deal gives you the opportunity to earn Frequent Flyer points on all your purchases and gain access to exclusive partnered deals and discounts.

The American Express Qantas Business credit cards is designed to maximise the rewards for your business, if you turn over between $2 million and $200 million a year.

The rewarding, time savings features of the American Express Qantas Business credit card include:

• No spending limit. You never have to worry about the available credit on your corporate card again, because the spending limit of your card adjusts with your use and is determined by your spending habits, your repayment history, your credit history and the finances you have made known to American Express, and they will then determine whether to approve your spending based on what they know of your financial situation.
• Maximise your business cash flow with 51 interest free days. You can be spending the bank’s money while you leave your business income to earn interest instead. Before the 51 interest free days have passed you simply need to pay your balance off in full and you can avoid interest charges all together.
• Earn up to 2 Frequent Flyer points for every $1 spent. On eligible Qantas products and services you can earn 2 points for every dollar you spend, on all of the other purchases you make for your business you will earn one point for every one dollar spent. Your points remain uncapped so there is no limit to your rewards, and no expiry for your points either.
• Business savings and airline rewards. You can use your frequent Flyer points for any eligible domestic or international flight, as well as for the Qantas and Jetstar Any Seat Awards, where you can claim any available seat on the flight. You will also enjoy business discounts on products and services simply for using your American Express Qantas Business card through the Business Savings Program.
• Detailed statements exported to your accounting software. The purchases you make on your card will be broken down automatically where possible to show the included GST amount. You can then download your monthly statements into your accounting software such as Quicken or Microsoft Excel.
• The best service is part of the deal. The Worldwide Customer Care Program is included with your American Express Qantas Business credit card, you can also enjoy member rates for the Qantas Meeting Rooms and a discounted annual fee to the Qantas Club when you have four or more employees join – a saving of up to $680 a year.
• Annual rebates of up to $50,000. You can receive a rebate of between 2-5% on eligible Qantas air spend, as well as a 2% BP rebate on purchases made at participating service stations.
• Insurance and purchase protection. You will be covered with domestic and international travel insurance as an American Express Qantas Business card holder, and can also enjoy purchase protection and online fraud protection.
• Your annual card fees. The annual fee for your primary credit card is $299 and a supplementary card can be added t your account for $119 a year each.

Apply for the Benefits of the American Express Qantas Business Credit Card

If your company makes high volumes of purchases and could benefit from cashing in rewards points for flights around Australia and around the world, then take just 10 minutes to apply for the American Express Qantas Corporate credit card:

• Apply online in 10 minutes, or call American Express during business hours to apply over the phone.
• You must be 18 years or older.
• You must have a good credit history.
• You must be an Australian citizen or permanent resident.
• You must have a personal income of $24,000 a year or more.

While you may regret having to make such significant business purchases or see so much of your hard earned business income go towards bills, however the American Express Qantas Business credit card deal is your chance to turn your expenses into rewards your business can really use to grow even further.

Therefore, view our comparisons tables here to make sure it is the best credit card deal for you, and follow the secure links from our comparison table directly to an online application form.

We will have an in depth look at the new AMEX Platinum Reserve credit card, discussing all the features, and looking at the kind of customer that will get the most from the offer.

AMEX Platinum Reserve Credit Card profiled

• Standard rate of interest – 20.49%
• Annual fee – $395

Nothing too earth shattering here. In fairness considering this is a premium credit card the rate of interest is still pretty competitive. As far as the annual fee goes, it is more expensive that most annual charges, however you get what you pay for and with this card you really are getting exceptional value.

Travel benefits – Anyone that does any form of worldwide travel is going to love this. As a card holder each year you get to choose between a free return flight with Virgin Blue Economy, or a free hotel stay. With the flight offer you can choose to travel to any of 7 worldwide locations and 29 Australian locations.

If you decide to go for the hotel stay alternative then you are able to stay at any of the selected resorts across Australia. One thing to make clear here is that these are not just run of the mill hotels, but real quality. How does the Sebel at Manly Beach in Sydney sound to you?

Like we said this is not a one off treat either. You get to make this exciting choice every single year!

Insurances – When you go on holiday, arranging travel insurance can be a real pain. This card from AMEX takes care of all of this for you. The travel cover you get is extremely comprehensive.

You get:

• $2,500,000- Overseas medical insurance
• $30,000- Travel cancellation cover
• $10,000- Baggage loss cover
• $2,000,000- Personal liability insurance
• $3000 to cover you if your holiday is ended by the death of a close relative

Along with all of these you will also receive transport inconvenience and travel cancellation cover.

When you get back from your travels you may decide to purchase some new electrical equipment. Worried you might lose your money if it breaks down? Don’t be because as a card holder you also have purchase protection insurance as standard.

With all this cover you have complete peace of mind, and so do your family because it is not only you that is covered by all this insurance, but also your partner, and any children under the age of 23 years old.

Rewards – Everyday reward schemes are a dime a dozen. A truly exceptional reward scheme is not so easy to come by. When you join the American Express Ascent program you have access to one of the most exciting and rewarding schemes available today.

The first difference between this and other reward programs is that most others give customers just 1 reward point for every dollar they spend on the card. The AMEX Platinum Reserve credit card gives customers 1.5 reward points per dollar spent.

This will allow you get a very high points tally much faster than you would with a 1 point per dollar scheme.

If you are in a position where you can make all your day to day purchases on your card, and then pay the balance in full at the end of the month then you can amass a huge amount of points in a relatively short period of time.

These points can then be redeemed against up to 1500 different types of rewards. Many reward programs do not give you much of a selection when it comes to redemption. This is certainly not true of this platinum card.

One great benefit of this reward scheme is that you can actually spend your reward points on card credit. This virtually gives you the same benefit of many cash back schemes. On top of all this, there is no points expiry. If it takes you a couple of years to decide what to spend your points on it doesn’t matter. Your points will all still be there for you.

Service – Anyone who already does business with American Express will tell you that their standards of customer service are very high, but as a platinum card holder they even go an extra mile to satisfy your needs.

The Platinum Priority Service is there for you 24/7 to assist you with anything account related. Whether you have a question about your account balance or credit limit, or whether you need some help to book your free yearly stay in a luxury hotel. Just pick up the phone and a friendly advisor will be waiting to take your call.

Who Can Apply?

It is worth noting that this is a premium credit card, and will probably only be suitable for customers who have an exceptional credit score. In fact in order to apply you must be earning a minimum of $65,000 per annum.

You must also be over 18 and a permanent resident of Australia. The good news is that the application process is made very easy. You can apply via post, telephone or Internet. If you are looking for a quick reply then your best bet is to apply over the Internet.

Make sure that you are using a secure connection, and that you have all the important details with you. Most the time the information they will want from you is your income details, your address, and details of any outgoings or debts that you may have elsewhere.

If you would like some help or guidance going through your application then it may be better for you to apply by telephone, where an advisor can help you.

When it comes to giving customers that little bit extra American Express always go that step farther, and the new AMEX Edge Platinum credit card follows suit.

If you are looking for a premium credit card then the AMEX Edge Platinum credit card might just be what you are looking for. Let’s dive in and explore some of the amazing features and benefits of this fine product.

What’s On Offer?

First of all let’s get the all important rates and fees out of the way so we can talk about the fun stuff!

The standard rate of interest with this card is 20.49% which when compared to some of the other premium credit cards on the market is pretty competitive. The annual fee is a mere $149 per annum, which when you see the full range of benefits you are getting with this card will literally blow you away.

You also get enrolled into the special AMEX Ascent rewards program which would normally cost you $80 dollars a year. On top of that you become a member of the American Express Network which brings members special offers on dining out, shopping, travel and entertainment.

So What Are The Extra Benefits?

Well the first major benefit with this credit card is the amazing offer of a totally free domestic flight each year with Virgin Economy Blue. There are 25 places in Australia to choose from, plus you pay no tax on the flight.

Insurance, and especially travel insurance can be a truly annoying and often expensive part of going on holiday, but with the AMEX Express Edge Platinum card, if you book you tickets using your credit card then a whole range of insurances become yours free of charge.

You get:

• $2,500,000 of medical emergency cover
• $10,000 to cover any travel cancellation
• $10,000 worth of baggage insurance
• $1,000,000 of personal liability cover

The beauty of all this cover is that it isn’t just the card holder that is insured. Any partners, dependant children or additional card holders are also covered, and they do not even have to be travelling with you. This gives everybody so much more freedom and peace of mind.

If you have done any amount of travelling in the past then you will be well aware that sometimes hings do go wrong. This credit card takes the worry out of those situations by giving you special travel inconvenience insurance. With this you are covered against baggage loss, missed connections, and many other travel related delays.

Amazing Rewards

This credit card really does have a rewards program to be proud of. Let’s try and break this down for you.

First of all as a card holder you are automatically given membership to the popular Ascent rewards program which will immediately save you $80. It gets even better because American Express has something called Membership 3-2-1, which is a scheme that helps you earn reward points up to 3 times faster than usual.

Ordinarily as part of the Ascent scheme you get 1.5 reward points for each dollar you spend, but with membership 3-2-1 that becomes 3 x the points for every dollar you spend in one of the major supermarkets, 2 x the points on money spent in petrol stations, and 1 points for purchases anywhere else.

With the points system set up this way, you can earn points whether you are fuelling up your car, or doing your weekly family shop. It really couldn’t be simpler.

The points you amass can then be exchanged for any 1 of 1500 different pieces of merchandise or other gift options offered by American Express, so there will always be something that takes your fancy.

If you prefer you could even exchange your points for credit, which will save you money on future purchases.

For those that like to travel there is an option to swap points for air travel as long as it is purchased from any one of the American Express partner airlines, and there is an impressive 7 different airlines to choose from including, Virgin Atlantic, Cathay Pacific and Malaysia Airways.

Special Treatment

Everyone likes to feel special, and as an AMEX Express Platinum card holder you have access to the Platinum Priority Service. This puts you first in the queue when you want to redeem your free Virgin flight, report a stolen or lost credit card, or just to ask a basic question about your credit account.

Customer service at American Express has always been one of the best in terms of quality, but Platinum card holders are treated to that extra little bit in regards to quality service.

Easy To Apply

A credit card that delivers this much quality will surely be very hard to apply for you right? Wrong!

In fact there are a few different ways you can apply. If you prefer the old fashioned postal application then you can post your application. If you want a fast response then you have two choices. Either you can make a phone application, or you can apply online.

You need to have all the relevant details to hand including all details of your income and outgoings, your address and personal details, and your driving license number. By applying in this way you could even have approval within 15 minutes.

How About a Head-Start With 75,000 Free Rewards Points?

This card is loaded with cool deals and benefits and you can grab yourself a free 75,000 rewards points. All you need to do after that is to spend $500 minimum within the first two month of owning the card.

A Cool Tool

The AMEX Platinum Card a membership to the Amex Personal Assistance program. The program will entitle to specialised services. It’s like having your own personal concierge. These guys can get you access to the hottest tickets in town, find that perfect gift you seek, or even book your next overseas trip – from start to finish.

You will probably get so used to having access to this service that having your own AMEX Platinum Card will be the best thing you’ve ever applied for and owned.

AMEX Rewards Membership – The Lowdown

As a Platinum Card member you will automatically join Ascent Premium Ascent Premium is American Express’ prestige rewards membership. All the points you earn for rewards can be transferred into the Qantas Frequent Flyer Program. Further, there are seven more partner airlines where you can cash in your rewards points.

Claim Your Freebie Points Now – Before it’s Too Late

Apply for the Amex Platinum credit card and claim your free 75,000 rewards points by spending $500 or more on your card within the first two month. This gift alone is worth some $750. It would be enough to fly from Sydney all the way to Hong Kong, one way.

Travel in Style

Amex generally has a great reputation for great rewards. But with the AMEX Platinum travel rewards you can take travel comfort to new heights. Besides having your own team to assist you with bookings, shopping and other necessities you can also get access to a host of special deals. Savings for rental cars, hotel, tourist attractions and more can be had with this card.

This will allow you to travel with a relaxed mind. When you are ready to cash in your accumulated rewards points you can do so with a choice of airlines.

The Airline Privileges Program will give you access to special Amex customer privileges. Participating airlines are Emirates, Delta Airlines, LAN Airlines, Air New Zealand, Etihad Airways, British Airways, Singapore Airlines, Malaysia Airlines, United Airlines, V Australia and Virgin Atlantic. As a member you can access any Virgin Blue lounge in Australia. You also have access to Priority Pass. This will give you access to VIP airport lounges in more than 90 countries and 300 cities.

Travel with these privileges takes on a new meaning. It’s more comfortable and more fun. Not many people can enjoy the same rewards which puts you in a whole new league of travellers. As a member of the American Express Platinum Card you have too many options not to pay attention.

Features of the Card

Strong Rewards

If you like the idea of earning 1.5 rewards points for every dollar you spend then there is yet another reason to apply for this card today. Once you spent $200,000 with the card your points earning will level to one for one.

Card Fee

While the annual card fee of $900 is quite up there, you’d have to look at the features and benefits you can access as a member. It’s the result of that scrutiny that will determine your decision.

Travel insurance

You will never be left alone while travelling as an Amex Platinum Card holder. A range of extensive travel insurances are on offer if you hold one of these cards in your pocket.

• Travel insurance coverage: This includes unlimited overseas medical emergency expenses.
• Transport Inconvenience Cover: Be protected against unnecessary travel delays, lost luggage and missed connections.
• Transport Accident Cover: Travel safely on public transport.

Shopping protection

Shop’a’holics will love the Purchase Protection insurance. If you end up with a damage product, or something gets stolen from you when out and about you are protected with this insurance.

Buyers Advantage: This is an extended warranty from the manufacturer’s original warranty. Up to 12 months if you use your card on eligible purchases.

The Online Fraud Protection Guarantee lets you shop on the Internet with confidence.

How To Apply

In order to be eligible for an AMEX Platinum Card you need a minimum yearly income of $100,000. You will require statements to proof this to your lender. You’ll also need to have other details handy such as your drivers license number and the addresses for the last five years.

American Express uses strict application guidelines. One of them is your age; you must be 18 years or older with the sufficient income. You must also be a legal resident of Australia.

High spenders will have the option to earn more points. As soon as you reach a spending of $150,000 you can really take your points earning into hyper drive with 1/1 ($1=1 point).

Features and Benefits

• With this card you receive automatic enrolment in the prestige Membership Rewards program called Choicesoption. Get access to gifts and high-end shopping choices.
• Use your rewards to pay off your card balance – cool!
• Redeem your points for flights without the usual blackout dates implied by other lenders.
• Earn points with the Basic Card or one of the Supplementary Cards (with no annual Card fee).
• Receive business discounts with the Business Savings™ Program.
• Let the tax man pay for your annual card fee $160.
• The interest rate is 20.49% p.a.

Flexible Savings

With the 55 days interest free option you can save more money whenever you pay off your card in full each month. American Express Business Accelerator lets you own a credit card that can be enjoyed interest free. It’s up to you to manage your finances to make the most of this option.

Put Your ATO Reports on Semi Autopilot

Another great thing about the American Express Business Accelerator card is the fact that you’ll receive a monthly statement from Amex. This will include a detailed breakdown of GST. Even better yet, this has been approved by the ATO. Tax reporting has just become easier.

An online-based administration allows you to manage your account day and night. Your statement can be downloaded and imported into your favourite accounting software at any given time, including MYOB and Quicken. You also have the option to choose a simple Excel speadsheet.

Money Back Guarantee

Apply for the American Express Business Accelerator risk free because American Express offers you a satisfaction guarantee. During the card trial period of 90 days you can cancel at any time and get a full refund for your annual card fee ($160).

To do so you need to call 1300 366 549. If you do cancel your card during the trial period you will forfeit any unused rewards points. So please keep this in mind.

High-End Choice(es)

The Choice membership rewards program entitles you to high-end shopping. You can choose from a variety of gifts, products and even flexible air travel because you will be automatically exempt from blackout dates.

Enrollment happens upon acceptance of your application. It’s like being a secret member to a prestige club.

Are You Eligible for the American Express Business Accelerator?

If you are minimum of 18 years old or older and fit the Amex standard credit card terms and conditions you can apply for this card.

Why the AMEX Platinum Business Card?

Your Platinum Business Concierge can help you with a host of requests and do everything with absolute satisfaction and privacy.

Whether you need to book a trip, buy roses for your wife or simply buy a present for a business partner, the concierge service is ready to assist.

No Limits

Not having to stick to a pre-set spending limit can be a blessing for businesses when they need emergency access to funds. This freedom will allow you to keep your cashflow in the black numbers at all times. Provided you handle your finances like a pro.

Ample Rewards

With the American Express Platinum Business Card you can earn an unmatched 1.5 rewards points for every dollar you spend. Since business cards usually rack up a fair total in any given month this can quickly mount up. Bear in mind this deal is valid for up to $250,000 of spending. Still, plenty of reasons to benefit.

You also receive:

• An annual subscription to BRW and the Weekend Financial Review
• Loss Damage Waiver Cover for car rentals: Up to AUD70,000 for car rental vehicles you hire in Australia when you pay for the entire cost on your card

American Express Lets You Travel in Style

Travel in style with the AMEX Platinum Business Card. A range of benefits lets you put your feet up and relax while you move from A to B. You can take advantage of cosy private airport lounges, such as the Delta Crown Room Club®, Continental Airlines Presidents Club®, Northwest Airlines Worldclubs® and American Admirals Club®. A complimentary travel insurance will see you covered for any unexpected travel mishaps.

Reside in some of the worlds best hotels with your own membership to the Starwood Gold Preferred Guest membership program. As a member you can benefit from special treatment and upgrades. Fine hotels such as Le Meridian®, The Luxury Collection®, Sheraton®, W Hotels® and Four Points by Sheraton® will treat you like a king.

How You Can Apply For The AMEX Platinum Business

Before you rush out to become a member make sure you understand the following. First off, the yearly card fee of $1,200 isn’t cheap, but having said this, it is fully tax deductible if you use your card solely for business purposes. Additional cards for your employees are provided free of charge. You also receive 51 days of interest free shopping if you pay off your card debt in full each month. This will help keep your business cashflow positive.

As with any American Express credit card you have to pass their strict approval criteria to be able to benefit from this card. The credit card account is subject to specific terms and conditions. It is also possible additional charges and fees may apply. This particular American Express Platinum Business Card offer is valid for Australian customers. If you’re over 18 years and live in Australia you can apply online. Make sure you have on hand your financial details, your address and driver’s licence.

You need to look at the features, the benefits and the rewards, and whether your business spending is in line with what is expected by the card, and whether your business has any need of those features and rewards in the first place.

Comparing the American Express Gold Business Credit Card

While you may be able to avoid credit card fees and interest in most cases by claiming them back on tax, it is still important to compare every feature of a new business product you are considering, and it’s always nice to get a good deal for your business, regardless of whether it is deductible. Features you need to compare when choosing the American Express Gold Business credit card deal include:

• A $0 annual fee the first year you account is opened. From the beginning you are saving $169 on a credit card annual fee and if you are diligent in using your credit card for only business purposes then the fee is tax deductible.
• Easy GST breakdowns of purchases and simple BAS preparations. Tax time is a busy time for any business so you will welcome any feature which makes it easier. Your American Express Business Gold card will show the amount of GST on most purchases you make on your card so you can track your commitments easily. This can also simplify your BAS preparations when it comes time to collect that information because you can download your account details and GST breakdown directly into Quicken, Microsoft Money, MYOB or Excel.
• Up to 51 credit free days. This time can be spent running your business and managing your day to day cash flow so you have more time to organise your business funds before your credit card bill is due.
• No pre-set credit limit. Your American Express Gold Business card will not have a set spending limit and this means you can take advantage of business opportunities and make important business purchases without worrying about how to fund them. this does not mean you can enjoy unlimited spending on your business credit card as transactions are tracked according to your recent spending habits, your payment history, your credit report and the financial resources you have reported to American Express, and they reserve the right to approve a purchase based on these factors.
• Additional cards to track employee spending. Giving your staff a business credit card also allows them freedom to make business decisions too, and show their initiative. Plus it is easier to track a credit card statement than a bundle of petty cash receipts.
• Domestic and overseas travel insurance. This makes for another business expense you don’t have to worry about.
• Uncapped membership points. To earn membership points you need to enrol in the Membership Rewards program and pay the annual fee. Once you are registered, you can earn one point for every dollar you spend, and there is no cap on your points, and they don’t expire.

How to Apply for the American Express Gold Business Card

To start managing your business finances more easily, leaving you more time to focus on your products, services and customers. To be eligible to apply, you need to enter your own details, as the user of the business credit card:

If you want to see how the American Express Gold Business credit card deal compares to the deals on offer from other business credit card providers, view our comparison table here. Once you’ve made your decision on the best business credit card deal for you, follow the secure link from our comparison table directly to an online application form and setup your business for success today.

Featured American Express Card

The Platinum Edge American Express Credit Card is a great rewards card, You can earn up to 3 Membership Rewards points for every dollar spent at major Supermarkets. Not to mention you will have complimentary enrollment in the Rewards Program

• $149 annual fee
• 0% p.a. for 6 months (reverts to 20.74% p.a.) on purchases
• 55 days interest free

Read the American Express Platinum Edge Credit Card terms and conditions.

American Express Credit Cards

	Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
American Express Platinum Edge Credit Card	0% for 6 months (reverts to 20.74% )		$149
American Express Gold Ascent Card	0% for 6 months (reverts to 20.74% )		$0
American Express Qantas Discovery Card	20.74%		$0	20.74%
American Express Qantas Premium Card	20.74%		$249	20.99%
American Express Qantas Ultimate Card	20.74%		$450	20.99%

American Express is one of the top three credit card providers in Australia, and a name you can trust. Here are some helpful tips you can use when you are looking for the best Amex credit card.

Best American Express credit card.

While American Express cards are one of the most popular credit cards around, they are not as widely accepted as a MasterCard or Visa in Australia. The reason for this is that American Express charges more per transaction to the retailer then MasterCard or Visa does. The merchant needs to pay this cost, but the customers are compensated for the extra fee with more rewards. This is good news for American Express cardholders, but bad news for businesses.

Does the American Express card suit you?

If you are the type of person that spends a lot of money on a card in order to get rewards, and don’t have a hard time paying off the balance every month, an American Express card would be right for you.

You should also have a fairly high annual income and a good credit history. In general, it is more difficult to get accepted for the best American Express credit card then it is to get accepted for a MasterCard or Visa. American Express looks for people that earn more than $40,000 annually.

If you like to travel, American Express has a great rewards program. It offers overseas purchase security, travel insurance and a concierge service. If you’re looking for free or discounted flights, the American Express rewards scheme offers this as well.

If you’re a business owner and make large purchases for equipment and capital, this is a great way to add up a lot of points.

One of the best American Express credit card offers available is the American Express Gold Accent card. It offers premium rewards and the chance to redeem your points with seven of the leading international Airlines. It has no annual fee and a 0% p.a. for 6 months (reverts to 20.74% p.a.) p.a. rate on purchases.

The best American Express credit card gives you the benefits you deserve with added perks you can enjoy. These cards are top-of-the-line when compared to other rewards programs currently being offered.

American Express used to work hard to maintain their prestigious, unattainable, high-flying image, and as a result only the best restaurants and the most expensive hotels would accept American Express, and the first class lounge at the airport of course.

However, in recent years American Express have moved away from that image, stopped using celebrities in their ads, but retained all the best rewards and exclusive deals for American Express card holders – so come on, join the club.

Features of the American Express Gold Ascent Credit Card

While there are still places you won’t be able to use your American Express card, there is a whole network of partnered American Express retailers, restaurants, hotels, stores and more who will not only accept your card, but offer you bonuses in their stores, just because you pay with your American Express card – all right here in Australia. Other great benefits of the American Express Gold Ascent credit card deal include:

• Enrolment in the Ascent membership rewards program partnered with 7 major airlines. Not only is the Ascent program partnered with major airlines: Singapore Airlines, Virgin Atlantic, Virgin Blue, Cathay Pacific, Malaysia Airlines, Thai Airways and Air New Zealand, but those 7 partners include 57 other partnered airlines so your American Express Ascent Gold card allows you to access all areas.
• Cash in your credit card rewards for airline rewards points. For every $2 you spend, you will earn 1 Ascent reward point and when you redeem the points you collect on your American Express Ascent Gold card you can receive:
  • 1 airline rewards point for 1 membership point with Singapore Airlines, Virgin Atlantic and Virgin Blue.
  • 3 airline rewards points for 4 membership rewards points with Cathay Pacific, Malaysia Airlines or Thai Airways.
  • 1 Airpoints dollar for 100 membership rewards points with Air New Zealand.
• The most rewarding rewards points deal in Australia. The Ascent rewards program is calculated so that you need fewer credit card points to redeem a flight, compared to any other rewards program in Australia. Plus, unlike many other credit card rewards programs, your American Express Gold Ascent rewards points are not caped and don’t expire. Plus you don’t have to choose flights as your reward because there is also a wide range of merchandise as part of the Ascent rewards program.
• No annual fee. That’s right you get all of these great rewards for a $0 annual fee.
• Free additional card holder. To help you build your points balance, add another card holder for free and you’ll only have one monthly credit card payment to make.
• A day interest free period. From the time you make a purchase, you have days to repay it from your American Express card before it attracts the 0% p.a. for 6 months (reverts to 20.74% p.a.) interest rate.

How to Apply for the American Express Gold Ascent Credit Card

If you think you can benefit from the rewards and want to take advantage of the $0 fees of the American Express Gold Ascent card, then follow these steps to apply now:

• Follow our secure link to an online application form.
• The application will take just 10 minutes and you will be notified within 60 seconds about whether your application was successful.
• You will need to provide details of an existing American Express card if you have one, as well as your drivers’ license details, employment details and your employer’s contact details, your income and the details of your accountant if you are self employed.
• You must be over 18 years.
• You must have a good credit rating.
• You must be a citizen, or permanent Australian resident.
• You must earn more than $40,000 a year.
• If you are self-employed you must have been trading for more than 12 months.

The acceptance of American Express in Australia has grown significantly to almost rival that of MasterCard or Visa, so why are you missing out on some of the best deals on rewards programs, and why are you paying an annual fee on your gold rewards card when you could be using the American Express Gold Ascent card which has a $0 annual fee and a free additional card holder.

Stop thinking you can’t afford an American Express Gold card, because that is just what they want you to think – what they used to want at least.

American Express used to work hard to maintain their prestigious, unattainable, high-flying image, and as a result only the best restaurants and the most expensive hotels would accept American Express, and the first class lounge at the airport of course.

However, in recent years American Express have moved away from that image, stopped using celebrities in their ads, but retained all the best rewards and exclusive deals for American Express card holders – so come on, join the club.

Features of the American Express Gold Ascent Credit Card

While there are still places you won’t be able to use your American Express card, there is a whole network of partnered American Express retailers, restaurants, hotels, stores and more who will not only accept your card, but offer you bonuses in their stores, just because you pay with your American Express card – all right here in Australia. Other great benefits of the American Express Gold Ascent credit card deal include:

• Enrolment in the Ascent membership rewards program partnered with 7 major airlines. Not only is the Ascent program partnered with major airlines: Singapore Airlines, Virgin Atlantic, Virgin Blue, Cathay Pacific, Malaysia Airlines, Thai Airways and Air New Zealand, but those 7 partners include 57 other partnered airlines so your American Express Ascent Gold card allows you to access all areas.
• Cash in your credit card rewards for airline rewards points. For every $2 you spend, you will earn 1 Ascent reward point and when you redeem the points you collect on your American Express Ascent Gold card you can receive:
  • 1 airline rewards point for 1 membership point with Singapore Airlines, Virgin Atlantic and Virgin Blue.
  • 3 airline rewards points for 4 membership rewards points with Cathay Pacific, Malaysia Airlines or Thai Airways.
  • 1 Airpoints dollar for 100 membership rewards points with Air New Zealand.
• The most rewarding rewards points deal in Australia. The Ascent rewards program is calculated so that you need fewer credit card points to redeem a flight, compared to any other rewards program in Australia. Plus, unlike many other credit card rewards programs, your American Express Gold Ascent rewards points are not caped and don’t expire. Plus you don’t have to choose flights as your reward because there is also a wide range of merchandise as part of the Ascent rewards program.
• No annual fee. That’s right you get all of these great rewards for a $0 annual fee.
• Free additional card holder. To help you build your points balance, add another card holder for free and you’ll only have one monthly credit card payment to make.
• A day interest free period. From the time you make a purchase, you have days to repay it from your American Express card before it attracts the 0% p.a. for 6 months (reverts to 20.74% p.a.) interest rate.

How to Apply for the American Express Gold Ascent Credit Card

If you think you can benefit from the rewards and want to take advantage of the $0 fees of the American Express Gold Ascent card, then follow these steps to apply now:

• Follow our secure link to an online application form.
• The application will take just 10 minutes and you will be notified within 60 seconds about whether your application was successful.
• You will need to provide details of an existing American Express card if you have one, as well as your drivers’ license details, employment details and your employer’s contact details, your income and the details of your accountant if you are self employed.
• You must be over 18 years.
• You must have a good credit rating.
• You must be a citizen, or permanent Australian resident.
• You must earn more than $40,000 a year.
• If you are self-employed you must have been trading for more than 12 months.

The acceptance of American Express in Australia has grown significantly to almost rival that of MasterCard or Visa, so why are you missing out on some of the best deals on rewards programs, and why are you paying an annual fee on your gold rewards card when you could be using the American Express Gold Ascent card which has a $0 annual fee and a free additional card holder.