American Express Gold Credit Card

Credit Card Deals

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	Interest Rate p.a.	Points per $ spent
American Express Qantas Discovery Card	20.74% p.a.	VISA/MC: 0.00; AMEX: 1.00
American Express Velocity Escape Card	20.74% p.a.	VISA/MC: 0.00; AMEX: 2.00
American Express Platinum Edge Credit Card	20.74% p.a.	VISA/MC: 0.00; AMEX: 3.00

American Express Gold Credit Card

The American Express Gold Credit Card offers you a range of beneficial products including a pre-set zero spending limit and insurance cover. Earn while you shop in store, or online, and redeem your points at a huge variety of stores. With enough points you may even use it to settle the balance of your credit card.

Fees and Charges

Key Features of the American Express Gold Credit Card

Key features of the American Express Gold Credit Card include:

• Simple online application for individuals 18 years and older
• Earnings of $50,000 or more per annum required
• $130 p.a. Annual card fee applicable
• Zero pre-set spending limit
• Ascent  rewards program
• Over 1500 shopping options
• Use your points to repay your credit card and much more
• 24/7 Account access Online or at a branch
• Insurance protection
• Easy account management
• View transactions
• Schedule payments
• Setup payment reminders via email or SMS
• Manage membership rewards
• List of annual account charges provided at year end

Cardholders will also benefit from the convenient 24/7 International customer support service.

Rewards Program

Earn 1 point for every dollar spent on specific purchases which excludes electronic games, toys and motorised vehicles. Earn 0.5 points for every $1 spent on certain insurances, government bodies, telecommunication providers and utility purchases in Australia.

• Redeem points at:
• more than 1000 travel agents
• more than 20 hotel partners
• more than 50 gift card associates
• 8 airline reward associates
• 4 frequent guest associates

You may even use your points to repay the total balance on your credit card.

Insurance Protection

Your American Express Gold Credit Card comes with added protection.

You will receive protection in the following ways:

• Buyers Advantage^™ which includes up to 12 months extended warranties on specific purchases
• 90 day Refund Protection for new, unused items where refunds are refused
• 90 day Purchase Protection for the replacement or repair of specific items which were stolen or broken
• Online Fraud Cover for unauthorised transactions subject to immediate bank notification
• Emergency Card Replacement allows for immediate replacement of stolen or lost cards through the vast network of branches found globally

Enjoy comprehensive cover for you and your family with International Travel and Accident Protection. This also includes Travel Inconvenience Protection for missed or delayed flights, or delayed luggage.

Eligibility Criteria

Only Australian residents of 18 years and older earning at least $50,000 per annum may apply. Credit history, employment history and proof of gross income will be required. Driver’s licence and existing American Express card details will be required if available.

Self employed individuals with current American Express cards trading for a minimum of 12 months may apply. New applications will also be considered if business owners have been trading for more than 18 months. These applications must be accompanied with the necessary financial statements and assigned accounted details.

Final Word

American Express Gold Credit card applications are subject to strict eligibility criteria and approval. American Express also adheres to responsible lending practices. Individuals can expect to wait up to 10 working days to know whether or not their application has been approved. In some instances additional information may be required. Final approval status will be communicated via post.

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American Express Credit Cards Deals

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Points per $ spent
	American Express Qantas Discovery Card	A no annual fee frequent flyer credit card from American Express. Earn 1.00 Qantas Frequent Flyer point per $1 spend.	20.74% p.a.		$0 p.a.	VISA/MC: 0.00; AMEX: 1.00
	American Express Velocity Escape Card	Receive 7500 Velocity bonus points when you spend $300 in the first 3 months. Plus $0 annual fee.	20.74% p.a.		$0 p.a.	VISA/MC: 0.00; AMEX: 2.00
	American Express Platinum Edge Credit Card	Receive a complimentary domestic economy return flight every year and earn rewards points on everyday purchases. Apply now to receive 10,000 Membership Rewards Bonus Points.	20.74% p.a.		$195 p.a.	VISA/MC: 0.00; AMEX: 3.00

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Credit Cards Comparison

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Low Rate	A low rate on purchases, balance transfer and a low annual fee.	13.14% p.a.	0% p.a. for 9 months	$58 p.a.	21.49% p.a.
	HSBC Credit Card	No annual fee for the life of the credit card. Plus a low balance transfer offer.	17.99% p.a.	0% p.a. for 6 months	$0 p.a.	21.99% p.a.
	Bankwest Zero Platinum MasterCard	Exclusive Offer to Credit Card Finder. No annual fee credit card with platinum benefits.	17.99% p.a.	0% p.a. for 9 months	$0 p.a.	21.99% p.a.
	Commonwealth Bank Low Rate Credit Card	A low interest rate offer on purchases and balance transfers.	0% p.a. for 5 months (reverts to 12.99% p.a.)	5.99% p.a. for 5 months	$78 p.a. ($48 for qualifying customers)	21.24% p.a.
	ANZ Platinum Credit Card	No annual fee for the first year and a balance transfer offer.	19.39% p.a.	0% p.a. for 9 months	$0 p.a. annual fee for the first year ($87 p.a. thereafter)	20.99% p.a.

* 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.