How to Apply for your The American Express Essential Rewards Credit Card

People have a variety of profiles and characteristics they think about to choose the correct credit card for themselves. The truth is, nowadays there are basically options for every style of buying, which is why you must know exactly what you want when looking for the right service for you. The American Express Essential Rewards Credit Card is an option focused on customers that want affordable prices while still being able to enjoy rewards.

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With a monthly fee of $9 ($180 annual), here are some of the aspects you should know:

• Interest free period of up to 55 days;
• Earn 60,000 Bonus Membership Rewards® Points by applying online by May 6, 2025, getting approved, and spending $3,000 on eligible purchases within the first 3 months.
• Earn points for every purchase you do using your card;
• Transfer your points to different airlines;
• Enjoy reserved tickets, vouchers, pre-sale options, and more.

What prerequisites should I meet in order to apply?

To apply for The American Express Essential Rewards Credit Card and to be considered by Amex, there are some criteria you should be able to meet. First of all, you must be 18 years old or more, and be an Australian citizen or permanent resident/hold a long term visa in order to fill the application.

Another important point is that you must not have any history of bad debt or payment default. Other requirements are:

• As a part of your application, you will be submitted to a credit check;
• You must present detailed information about your income, debts and expenses;
• You must be able to proof your income;
• Present an Australian Driver’s License number (if applicable).

Get to know your benefits and rates

As a lower-cost option, this card provides essential rewards that can attract people who wish to pay less, but still want to enjoy generous bonuses, and therefore, are looking for a budget-friendly yet convenient deal. In this section you will get to know a little deeper about the aspects of this card.

• Earn points in different situations: 5x for your first 10,000 points per month and continue to get 1 for every $1 spent after;
• Receive 5 points per $1 every time you spend on eligible eats/drinks purchases, such as Guzman Y Gomez, McDonald’s, Starbucks, Boost Juice and more;
• Receive 3 points for every $1 spent on streaming services in the country, including Spotify, Netflix, Disney+, Binge, Kayo Sports, Stan, and Amazon Prime;
• Receive 2 points per $1 spent at selected retailers;
• Use the points you earned to pay for eligible charges or transfer them to over 10 different airlines (Virgin Australia, Emirates, and more). You can also use them for gift cards.

Other benefits may include receiving special pre-sale or reserved tickets, vouchers, access to lounges, adding up to 4 additional cards without paying extra fees, and more.

While the card offers several benefits, it’s important to also consider the associated costs and the fact that applicants must agree to a credit check as part of the application process. These factors should be carefully weighed when deciding if this card is the right choice for you.

The costs are:

• Interest rate of 23,99% per annum on purchases;
• Annual fee of $108;
• Foreign transaction fee of 3% on the amount converted to AUD;
• Fixed late payment fee of $30.

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Get to know Amex

As the card name suggests, The American Express Essential Rewards is offered by American Express (Amex), a company founded in the state of New York (U.S.). With over 170 years of experience overseas, they first started their services in Australia in Sydney, during the 1950’s. Nowadays, Amex also owns offices in Perth, Brisbane and Melbourne, offering services such as credit cards, insurances and more.

American Express is deeply dedicated to social responsibility, prioritizing regulatory compliance, data privacy and security, tax compliance, and the protection of human rights. The company also upholds responsible practices in its customer relations, promoting ethical lending and sales, assisting customers experiencing financial hardship, and supporting the growth of small businesses.

Furthermore, American Express actively contributes to community resilience, reinforcing its commitment to sustainability and positive social impact, underscoring its role as a company that values both business integrity and the well-being of society.

Who is the audience for this card?

People have different consuming habits and financial goals, so in order to choose a credit card it is important to consider a few factors that will help you determine what you are looking for. What are your spending patterns? Do you have any saving goals? Those are just a few questions you should answer before making a decision.

The American Express Essential Rewards is an option for people who wish to pay an affordable and budget-friendly fee, but are still looking for convenient benefits to make use of. With a monthly fee of only $9, it is a cost-effective service, as it highlights a good price and essential advantages for its customers.

How can I apply for this card?

Now, have you decided this is the card for you, applying for it is the easiest part. Everything can be done online in the comfort of your house or wherever you are. You just need to follow a few steps:

1. Access the company’s website and make sure you read all the terms and conditions before continuing;
2. Press the blue “Apply Now” button;
3. Complete the blank spaces with your personal and financial information;
4. Press “Continue” to go ahead;
5. Remember to review every information before submitting it.

Conclusion

Choosing the best credit card for you can be challenging to do, but you can make it easier by being honest with your financial goals and lifestyle habits. List everything and make sure you read all the information available before making a decision. Avoid making mistakes and feel confident about your choice by doing your research and comparing your options, and if what you are looking for is The American Express Essential Rewards Credit Card, then apply now!

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