AMEX Gold Ascent Credit Card – Details & Application

Information verified correct on September 27th, 2016

Choose from seven different airlines to use rewards points earned on the Amex Gold Ascent Credit Card

The American Express Gold Ascent Credit Card is no longer be available for new applications as this credit card is no longer available to new customers. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested. If you would like to compare the current range of  American Express credit cards: click here.

The Amex Gold Ascent Credit Card offers a way for you to amp up your frequent flyer points without paying an annual fee. Even the enrollment fee into the Membership Rewards Ascent is complimentary, making this an inexpensive way to earn and redeem your points for trips to destinations around the world.

For business owners who want the benefit of a rewards American Express card, there is the Business Gold Rewards Card. You get the benefit of having the purchasing power needed to run a business mixed with a rewards program that will help you save money on your travels.

AMEX Gold Ascent Credit Card Review

Every 1 dollar spent on your American Express Gold Ascent Card puts 0.50 a reward point in your rewards account. Save them up for that rainy day when you want to have a weekend holiday. Double your reward possibilities with a second card for your spouse at no charge to you. With double the purchases being made on your one account, you will see those reward points grow quickly.

When you use your American Express Gold Ascent Credit Card for purchases, not only are you gaining points, you have the benefit of up to 44 interest-free days to pay those purchases off. Use the AMEX card like cash for those day-to-day purchases and pay off the balance before the interest is applied.

Compare these features with the others offered by American Express to see if you’re getting all that you need with the American Express Gold Ascent Rewards Card.

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Insurance coverage for your purchases

There’s a range of the comprehensive insurance protection that comes complimentary with your American Express Gold Ascent Rewards Card.

  • Buyer’s advantage An additional 12-months of extended warranties for purchases made with your American Express Card.
  • Refund protection Receive compensation for up to 90-days after a purchase on unused items that are unable to be refunded at the place of purchase.
  • Purchase protection You are protected from theft, loss and damage to your purchases for 90-days after you purchase them using your AMEX card.
  • Fraud coverage This covers you from unauthorised use of your credit card in online transactions.

Insurance coverage for your travels

Take advantage of the travel insurance that comes complimentary with your American Express Gold Ascent Rewards Card.

  • International travel and accident protection When you use your American Express card to fund your overseas vacation, you and your family are covered for any emergency medical care in addition to lost and stolen property.
  • Travel inconvenience protection For your travels inside of Australia, you are covered in the event of missed or delayed flights plus lost or stolen luggage.

American Express Complimentary Travel Insurance

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Rewards program with AMEX Gold Ascent Credit Card

The American Express Gold Ascent Rewards Card will help get you places with its lucrative rewards program.

  • Reward points There is no cap on the number of reward points you can earn with your Amex card. Earn 0.50 point for every $1 you spend and save them with the confidence of knowing they won’t ever expire.
  • Airline choices You can choose from seven different major airlines frequent flyer programs to redeem your points. Depending on your choice of airline, you may be subject to an additional fee.

American Express Membership Rewards Program Credit Cards


Fees and Interest Rates of your AMEX Gold Ascent Credit Card.

Low fees and rates make using your Amex card even more pleasurable.

  • Yearly fee There is no annual fee for the Gold Ascent Rewards Card. Compare other No Annual Fee Credit Cards
  • Interest rate Take advantage of 0% for the first 6 months that you have your American Express card.
  • Additional card Make the most of your point earning power with a second card for free.
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AMEX Gold Ascent Credit Card Features

The American Express Gold Ascent Rewards Card is full of features and benefits to fulfill your needs beyond those frequent flyer points.

  • Cardholder fees. For primary and second cardholders there is no charge for carrying and using the American Express Gold Ascent card.
  • Interest-free days. There is no worrying about interest accruements for the first 44-days after you make a purchase.
  • Interest rate. For the first 6 months that your account is open, enjoy 0% interest rate on purchases.
  • Rewards. In addition to the rewards for flyer points you can redeem your points for select merchandise.
  • Complimentary insurance. A complimentary insurance package to protect the traveler and the shopper.
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How to apply for the AMEX Gold Ascent credit card.

Eligibility

Please note this card is no longer available for new applications. The criteria, was as following:

  • Age. You will have to be at least 18 years of age to be eligible for this credit card.
  • Credit. Your credit history will need to be clean without any defaults on loans or other credit products.
  • Residency. You will have to be an Australian citizen or permanent resident. Temporary residents that hold a Business Long Stay Visa are also welcome to apply.
  • Income. Your gross income will need to be at least $40,000.
  • Self-employed. Self-employed individuals may apply provided that they have been trading for over one year.

Documentation

Once you have determined that you meet the requirements set forth by American Express, have the following documentation ready when fill out your application:

  • Credit card. If you are an existing American Express customer, you will be required to submit the card number for that account.
  • Driver’s license. Your driver’s license number if you have one. If not, you will need to produce another valid form of Australian government-issued identification.
  • Employment. The details of your current employment including contact information. If self-employed you will be asked to provide detailed contact information for your accountant.
  • Income. Using pay stubs or tax receipts, a full disclosure of your gross annual income.

Filling out the application should not take more than ten minutes of your time. Once completed, American Express will usually respond in one minute to let you know if you have been approved or if they require additional information.

American Express offers you a competitive card with no annual fee. Compare the card’s features with other similar cards to see if this is the right one to meet all of your needs.

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10 Responses to AMEX Gold Ascent Credit Card – Details & Application

  1. Default Gravatar
    Heungshan | May 31, 2015

    Does the Gold Ascent card have complimentary travel insurance and what is covered?

    • Staff
      Jonathan | June 1, 2015

      Hi Heungshan, thanks for your inquiry!

      Please note that this card is no longer offered on the market. For existing cardholders international travel and accident protection is provided when you use your American Express card to fund your overseas vacation, you and your family are covered for any emergency medical care in addition to lost and stolen property. Please refer to this page for more information on this complimentary insurance policy.

      Cheers,

      Jonathan

  2. Default Gravatar
    Alisun | April 28, 2012

    Just confirming. There is 0% on purchases for 6months, correct? The interest-free period of 44 days confused me.

    • Staff
      Jacob | August 15, 2012

      Hi Alisun. That’s correct, when you activate the card you will have six months interest-free on purchases made with the card. After that, provided that your account has been paid in full for two consecutive months, you will have 44 days interest-free on purchases made with the card before the normal purchase rate of interest is charged. Thanks for your question.

  3. Default Gravatar
    Joseph | January 19, 2012

    I have a wespac Gold visa card can I transfer..your American Express Gold Ascent Credit Card with no annual fees.. I have 904.90 on it at the moment.so if we can we may do so
    Thank You
    Joseph kelly-Seymour

    • Staff
      Jacob | October 9, 2012

      Hi Joseph. American Express do not accept balance transfers to their credit cards. Please refer to our balance transfer page for a comparison of the balance transfer credit cards in the market. Thanks for your question.

  4. Default Gravatar
    Hazel | January 4, 2012

    Hi,

    Re the AMEX Gold Ascent Credit Card what is the cash advance rate and the foreign currency conversion fee?

    Thanks
    Hazel

  5. Default Gravatar
    Hass | October 26, 2011

    Hi There,

    How much is the next years annual fee?
    How much is the interest rate after 45 days?

    Regards,

    Hass

    • Staff
      Jeremy | March 5, 2012

      Hi,

      Thanks for the question. There is no annual fee for this card. After the 44 day interest-free period it reverts back to the standard cash advance rate. Cheers.

      Jeremy

  6. Default Gravatar
    Cassie | October 17, 2011

    Does the AMEX Gold Ascent Credit Card have International conversion fees? I am from Australia and travelling to America. What is the conversion rate or fee when using this card in America?

Credit Cards Comparison

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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