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How to apply for the Low Rate Credit Card from American Express®?

Are you looking for a card with great value and no annual fee? If so, read on to learn how to apply for the Low Rate Credit Card from American Express®!

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 Low Rate Credit Card from American Express® application: No annual fee!

Apply for this affordable credit card in Australia. Source: The Mister Finance.
Apply for this affordable credit card in Australia. Source: The Mister Finance.

Are you looking for a low-rate credit card with no annual fee? You can try to apply for the Low Rate Credit Card from American Express!

Also, with fixed, low purchase interest rates and up to 55 days of interest-free days on purchases, this credit card puts money back in your pocket each time you make a purchase!

The American Express® Platinum Edge Credit Card

How to apply for American Express® Platinum Edge

Looking for a card with travel perks and rewards points? Read on to learn how to apply for the American Express® Platinum Edge Credit Card!

Moreover, this means that you can get more cash for whatever it is that you enjoy doing! And because there’s no annual fee, you never have to worry about paying extra fees just for having the card.

Therefore, read on to learn more about the features and benefits of this great credit card option and see how to apply for the Low Rate Credit Card from American Express®!

Online Application Process

Apply online for this Amex card. Source: Canva.
Apply online for this Amex card. Source: Canva.

Before you apply for the Low Rate Credit Card from American Express® card online, you need to know some of the requirements. For example, you must be an Australian citizen at least 18 years old.

Also, you can’t have any debt or payment defaults history to get this card. In addition, you’ll also need to send some documents, such as proof of income, details of debts, income, and more.

Therefore, after you know that you can apply for this card, you’ll only need to provide the personal information required and wait for a quick response from Amex!

Application Process using the app

There is not much information about the possibility of applying for this card through the mobile app from Amex. However, you can use the mobile app to manage your account, get alerts, and more!

Therefore, you can read our topic above to see tips on how to apply for this credit card online!

The Low Rate Credit Card from American Express® vs. The American Express® Platinum Edge Credit Card

If you’re unsure about getting the Low Rate Amex card, you can try applying for the Amex Platinum Edge Card!

Also, with this Platinum card, you’ll earn up to 3 points per dollar at eligible supermarkets and petrol stations! Moreover, you can get up to 55 days interest-free!

In addition, you’ll get many other major travel perks, such as annual credit! Therefore, read our comparison table below to help you decide!

The Low Rate Credit Card from American Express®The American Express® Platinum Edge Credit Card
Credit ScoreN/A.Good to excellent.
P.A.*8.99% p.a. on purchases.

Rates & Fees
21.99% variable p.a. on purchases.

Rates & Fees
Annual Fee*$0.

Rates & Fees
$0 annual fee in the first year. Then, $195 annually.

Rates & Fees
Fees*$30 late payment fee;

Interest-free for up to 55 days;

Cash advances or balance transfers are not available.

Rates & Fees
Up to 55 days interest-free;

$30 fee for late payments;

Cash advances or balance transfers are not available.

Rates & Fees
Welcome bonus*There are no welcome bonuses for this credit card.

*Terms Apply
No welcome bonuses besides the no annual fee during the first year.

*Terms Apply
Rewards*There are no rewards besides the low-interest rates, low fees, annual fees, and other perks.

*Terms Apply
Earn 3 points per dollar spent at major supermarkets and petro stations;

2 points per dollar spent on purchases in foreign currency when overseas and online;

Also, 1 point per dollar on any other purchases.

*Terms Apply

If you’re considering applying for The American Express® Platinum Edge Credit Card, the following content will tell you how it works.

The American Express® Platinum Edge Credit Card

How to apply for American Express® Platinum Edge

Looking for a card with travel perks and rewards points? Read on to learn how to apply for the American Express® Platinum Edge Credit Card!

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  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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