Credit Cards (AU)
The American Express Essential® Credit Card review
Read The American Express Essential® Credit Card review to find out its main benefits and any disadvantage it might have, so you can decide whether to apply or not for it!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
The American Express Essential® Credit Card: earn points on each dollar spent on eligible purchases
The American Express Essential® Credit Card review gathers the principal information about this AMEX so you can balance the pros and cons before applying.
How to apply for Amex Essential® Credit Card?
Check out how easy it is to apply for The American Express Essential® Credit Card and earn $100 back after spending $1,500 within 3 months.
As can be seen, the card offers points on each dollar spent on eligible purchases while charging no annual fee.
| Credit Score | Good (no history of bad debt or payment default) |
| APR | 16.99% on purchases Rates & Fees |
| Annual Fee | $0 Rates & Fees |
| Fees | Foreign Transaction fee: 3% of a converted amount *Rates & Fees |
| Welcome bonus | $100 back when applying online and after approval spending at least $1,500 on eligible purchases within 3 months *Terms Apply |
| Rewards | 1.25 points per dollar spent on purchases excluding government bodies; 1 point per dollar spent at government bodies *Terms Apply |
Of course, this credit card comes with other advantages. So, continue reading to learn more about them.
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How does The American Express Essential® Credit Card work?
American Express gathers a range of credit cards for every need and goal. In the case of The American Express Essential®, it is suitable for those who want to earn rewards on everyday purchases.
Also, the card gives you a good welcome bonus of $100 back if you apply online, be approved, and spent at least $1,500 on eligible purchases within three months.
The promotion is only available for new members, though.
Even though it charges a 16.99% p.a. on purchases, it offers a free interest period of up to 55 days.
Moreover, there is no annual fee whatsoever.
Certainly, the rewards are worth checking, as follows:
- 1.25 points per dollar spent on purchases excluding government bodies;
- One point per dollar spent at government bodies.
Additionally, this AMEX includes some extra benefits you may love to know, including additional cards at no cost, $500 as a Smartphone Screen Cover, and an Airline Partner Program to which you can choose an airline to transfer your points.
As an American Express card, it will provide some other features, such as:
- Exclusive offers at eligible stores;
- Purchase protection and Fraud Protection Guarantee;
- Plan It™ Instalments that help you get flexible payments through fixed monthly installments.
On the other hand, it is important to note that it charges a 3% foreign transaction fee on a converted amount.
The American Express Essential® Credit Card benefits
As shown on this American Express Essential® Credit Card review, it can be a great choice for you if you are looking for a cheap card option for your everyday needs.
Also, the card offers a reasonable reward program with flexible redemption, although it charges a foreign transaction fee.
Pros
- The American Express Essential® offers up to 1.25 points on purchases;
- There is no annual fee;
- Free interest period of up to 55 days;
- Access a flexible redemption program;
- It provides coverage and protection;
- Exclusive offers at eligible stores.
Cons
- It charges a foreign transaction fee.
How good does your credit score need to be?
Although not disclosed, it is important to only apply for this card if you don’t have a history of bad debt or payment default.
Also, other eligibility requirements apply. So, check out the following post!
How to apply for The American Express Essential® Credit Card?
Now, learn how to apply for The American Express Essential® Credit Card. The application takes less than ten minutes, and you can get a response within 60 seconds.
How to apply for Amex Essential® Credit Card?
Check out how easy it is to apply for The American Express Essential® Credit Card and earn $100 back after spending $1,500 within 3 months.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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