American Express
Every product American Express publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 24 Oct 2026.
- Australian credit licence and AFS licence 291313, held by American Express Australia Limited; credit licence since 15 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks.
27 products in 1 category
All of them credit cardsAmerican Express's rates today
American Express's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.
Where American Express sits among every institution's best
| Rate | American Express | Best anywhere | Typical institution |
|---|---|---|---|
| Credit card purchase rateOngoing purchase rate, not introductory offers | 10.99%Low Rate Credit Card from American Express® | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.95%of 51 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 23.99%American Express Velocity Business Card | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
American Express credit card rates
Compare across lenders27 products
Its lowest credit card purchase rate is 10.99%, on its Low Rate Credit Card from American Express®: 11th lowest of 51 card issuers.
- American Express Essential® Rewards Credit Card
- Purchase rate
- 23.99%
- Interest-free days
- 55
- Annual fee
- $0
- American Express Velocity Business Card
- Purchase rate
- 23.99%
- Annual fee
- $249
- Foreign transaction fee
- 3.50%
- American Express vPayment
- Pricing
- Rates on application
- Foreign transaction fee
- 3.50%
- American Express® Business Gold Plus Card
- Purchase rate
- 23.99%
- Annual fee
- $395
- Foreign transaction fee
- 3.50%
- American Express® Business Travel Account
- Pricing
- Rates on application
- Foreign transaction fee
- 3.50%
- American Express® Corporate Gold Card
- Pricing
- Rates on application
- Annual fee
- $105
- Foreign transaction fee
- 3.50%
- American Express® Corporate Green Card
- Pricing
- Rates on application
- Annual fee
- $70
- Foreign transaction fee
- 3.50%
- American Express® Corporate Meeting Card
- Pricing
- Rates on application
- Annual fee
- $60
- Foreign transaction fee
- 3.50%
- American Express® Corporate Platinum Card
- Pricing
- Rates on application
- Annual fee
- $800
- Foreign transaction fee
- 3.50%
- American Express® Corporate Purchasing Card
- Pricing
- Rates on application
- Annual fee
- $60
- Foreign transaction fee
- 3.50%
- American Express® Gold Card
- Pricing
- Rates on application
- Annual fee
- $65
- Foreign transaction fee
- 3.50%
- American Express® Personal Card
- Pricing
- Rates on application
- Annual fee
- $45
- Foreign transaction fee
- 3.50%
- American Express® Platinum Business Card
- Purchase rate
- 23.99%
- Annual fee
- $1,750
- Foreign transaction fee
- 3.50%
- American Express® Platinum Card
- Pricing
- Rates on application
- Annual fee
- $0
- Foreign transaction fee
- 3.50%
- American Express® Platinum Edge Credit Card
- Purchase rate
- 23.99%
- Interest-free days
- 55
- Annual fee
- $0
- American Express® Platinum Reserve Credit Card
- Purchase rate
- 23.99%
- Interest-free days
- 55
- Annual fee
- $0
- American Express® Qantas Corporate Gold Card
- Pricing
- Rates on application
- Annual fee
- $105
- Foreign transaction fee
- 3.50%
- American Express® Qantas Corporate Green Card
- Pricing
- Rates on application
- Annual fee
- $70
- Foreign transaction fee
- 3.50%
- American Express® Qantas Corporate Platinum Card
- Pricing
- Rates on application
- Annual fee
- $1,200
- Foreign transaction fee
- 3.50%
- Low Rate Credit Card from American Express®
- Purchase rate
- 10.99%
- Interest-free days
- 55
- Annual fee
- $0
- The American Express Velocity Escape Plus Card
- Purchase rate
- 23.99%
- Interest-free days
- 55
- Annual fee
- $0
- The American Express Velocity Platinum Card
- Purchase rate
- 23.99%
- Interest-free days
- 55
- Annual fee
- $0
- The American Express® Explorer Credit Card
- Purchase rate
- 23.99%
- Interest-free days
- 55
- Annual fee
- $0
- The American Express® Qantas Business Rewards Card
- Purchase rate
- 23.99%
- Annual fee
- $450
- Foreign transaction fee
- 3.50%
- The Qantas American Express Discovery Card
- Purchase rate
- 23.99%
- Interest-free days
- 44
- Annual fee
- $0
- The Qantas American Express Premium Card
- Purchase rate
- 23.99%
- Interest-free days
- 44
- Annual fee
- $0
- The Qantas American Express Ultimate Card
- Purchase rate
- 23.99%
- Interest-free days
- 44
- Annual fee
- $0
Published by American Express under the Consumer Data Right, last changed by them on 24 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.