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The Qantas American Express Ultimate Card

The Qantas American Express Ultimate Card

Receive 100,000 bonus Qantas Points
Available when you apply online by 2 April 2024, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only1.

Card Type: Credit Card
Annual Fee: $450 p.a.
Interest Rate: 23.99% p.a.3
Target Market Determination

The Qantas American Express Premium Card

The Qantas American Express Premium Card

Receive 20,000 bonus Qantas Points
when you apply online, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. Offer available to new Card Members only. Offer subject to change without notice2.

Card Type: Credit Card
Annual Fee: $249 p.a.
Interest Rate: 23.99% p.a.3
Target Market Determination

The Qantas American Express Discovery Card

The Qantas American Express Discovery Card

Earn Qantas Points and enjoy $0 Annual Card Fee
Card Type: Credit Card
Annual Fee: $0
Interest Rate: 23.99% p.a.3
Target Market Determination

HIGHLIGHTS

REWARD YOURSELF

TRAVEL

WORLD CLASS SERVICE

ELIGIBILITY

Select Category
HighLights
  • Welcome Offer
  • Receive 100,000 bonus Qantas Points
    when you apply online by 2 April 2024, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only1.
  • Receive 20,000 bonus Qantas Points when you apply online, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. Offer available to new Card Members only. Offer subject to change without notice2.
  • Earn Qantas Points and enjoy $0 Annual Card Fee
  • Earn Rate
  • 1.25 Qantas Points per $1 spent, except for government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent4Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia5

    After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.

    For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.16
  • 1 Qantas Point per $1 spent, except at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent4Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia5
  • 0.75 Qantas Points per $1 spent, except at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent4Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia5
  • More Benefits
  • A $450 Qantas Travel Credit each year to use for eligible international or domestic Qantas flights6Two complimentary Qantas Club Lounge Invitations each year after your first Card spend on selected Qantas products and services7Complimentary Qantas Wine Premium Membership8Two complimentary entries per year to The Centurion® Lounge, located at Sydney International Airport or Melbourne International Airport9Plan It Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.15$0 annual Card fee for up to 4 Additional Cards16 so you can earn more Qantas PointsEligible for use with Apple Pay, Samsung Pay and Google PayTM
  • Two complimentary Qantas Club lounge invitations each year after your first Card spend on selected Qantas products and services7Complimentary Qantas Wine Premium Membership8Plan It Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.15$0 annual Card fee for up to 4 Additional Cards16 so you can earn more Qantas PointsEligible for use with Apple Pay, Samsung Pay and Google PayTM
  • Plan It Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.15$0 annual Card fee for up to 4 Additional Cards16 so you can earn more Qantas PointsEligible for use with Apple Pay, Samsung Pay and Google PayTM
Reward Yourself
  • Qantas Points
  • 1.25 Qantas Points per $1 spent, except at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent3Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia4

    After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.

    For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.16
  • 1 Qantas Point per $1 spent, except at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent4Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia4
  • 0.75 Qantas Points per $1 spent, except at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent4Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia4
  • Amex Offers
  • Access to Amex Offers where you can enjoy everything from flights to hotels to shopping.
  • Access to Amex Offers where you can enjoy everything from flights to hotels to shopping.
  • Access to Amex Offers where you can enjoy everything from flights to hotels to shopping.
  • Classic Flight Rewards
    With 63,000 Qantas Points
    Fly Sydney to Honolulu Economy return for 1 person from 63,000 Qantas Points plus AUD $337 taxes, fees and carrier charges10
    With 42,000 Qantas Points
    Fly Melbourne to Hamilton Island Business Class one way for 1 person from 41,500 Qantas Points plus AUD $50 taxes, fees and carrier charges10
    With 16,000 Qantas Points
    Fly Sydney to Melbourne Economy return for 1 person from 16,000 Qantas Points plus AUD $79 taxes, fees and carrier charges10
Travel
World Class Service
Eligibility
HighLights
  • Welcome Offer
  • Receive 100,000 bonus Qantas Points
    when you apply online by 2 April 2024, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only1.
  • Earn Rate
  • 1.25 Qantas Points per $1 spent, except for government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent4Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia5

    After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.

    For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.16
  • More Benefits
  • A $450 Qantas Travel Credit each year to use for eligible international or domestic Qantas flights6Two complimentary Qantas Club Lounge Invitations each year after your first Card spend on selected Qantas products and services7Complimentary Qantas Wine Premium Membership8Two complimentary entries per year to The Centurion® Lounge, located at Sydney International Airport or Melbourne International Airport9Plan It Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.15$0 annual Card fee for up to 4 Additional Cards16 so you can earn more Qantas PointsEligible for use with Apple Pay, Samsung Pay and Google PayTM
Reward Yourself
  • Qantas Points
  • 1.25 Qantas Points per $1 spent, except at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent3Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia4

    After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent.

    For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024.16
  • Amex Offers
  • Access to Amex Offers where you can enjoy everything from flights to hotels to shopping.
  • Classic Flight Rewards
    With 63,000 Qantas Points
    Fly Sydney to Honolulu Economy return for 1 person from 63,000 Qantas Points plus AUD $337 taxes, fees and carrier charges10
    With 42,000 Qantas Points
    Fly Melbourne to Hamilton Island Business Class one way for 1 person from 41,500 Qantas Points plus AUD $50 taxes, fees and carrier charges10
    With 16,000 Qantas Points
    Fly Sydney to Melbourne Economy return for 1 person from 16,000 Qantas Points plus AUD $79 taxes, fees and carrier charges10
Travel
  • Insurance
  • Complimentary Domestic and International Travel Insurance when you pay for travel with your Qantas American Express Ultimate Card11
  • Global Card Support
  • Global Card support means you can enjoy account assistance any time of the day or night
World Class Service
  • Card Refund Cover
  • If you try to return an unused eligible item that you purchased with your Qantas American Express Ultimate Card within 90 days of the date of purchase and the establishment refuses to take it back, we'll refund the purchase price11
  • Card Purchase Cover
  • This Purchase Protection covers eligible items you have purchased with your Qantas American Express Ultimate Card. If the eligible item is stolen or damaged within 90 days of the purchase date, they'll either be repaired or refunded11
  • Fraud Protection Guarantee
  • Shop with confidence, because with our Fraud Protection Guarantee, you won't be held responsible for any unauthorised charges made without your knowledge while shopping on the internet14
Eligibility
  • To save time before you apply for your Qantas American Express Card, it's best to make sure you can say yes to the following:
  • I am aged over 18I am an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)I have no history of bad debt or payment defaultIf self-employed, I have been trading for at least 18 months or 12 months if I hold an existing American Express issued CardIf you can say yes to all of these, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds - so apply now.

The Qantas American Express Ultimate Card

The Qantas American Express Ultimate Card

Receive 100,000 bonus Qantas Points
Available when you apply online by 2 April 2024, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only1.

Card Type: Credit Card
Annual Fee: $450 p.a.
Interest Rate: 23.99% p.a.3
Target Market Determination

The Qantas American Express Premium Card

The Qantas American Express Premium Card

Receive 20,000 bonus Qantas Points
when you apply online, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months. Offer available to new Card Members only. Offer subject to change without notice2.

Card Type: Credit Card
Annual Fee: $249 p.a.
Interest Rate: 23.99% p.a.3
Target Market Determination

The Qantas American Express Discovery Card

The Qantas American Express Discovery Card

Earn Qantas Points and enjoy $0 Annual Card Fee
Card Type: Credit Card
Annual Fee: $0
Interest Rate: 23.99% p.a.3
Target Market Determination
TERMS AND CONDITIONS
American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information is correct as at 23 January 2024 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085) Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.
1. Bonus & Eligibility. Receive 100,000 bonus Qantas Points when you apply online by 2 April 2024, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months from the Card approval date. This offer is only available to new American Express Card Members. If you are an existing David Jones Card Member and don’t hold or have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. 100,000 bonus Qantas Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. Bonus & Eligibility. The 20,000 bonus Qantas Points offer is only available to new American Express Card Members who apply online for the Qantas American Express Premium Card, are approved, and spend $3,000 on eligible purchases on their new Card in the first 3 months from the Card approval date. If you are an existing David Jones Card Member and don’t hold or have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. Please allow 8 to 10 weeks after you have met the spend criteria for the 30,000 Qantas Points to be credited to your Qantas Frequent Flyer account. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
3. Interest rate is correct as at 23 August 2023 and is subject to change. This interest rate does not apply for Cash Advances and associated fees.
4. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions. Certain transactions will earn 0.5 points per dollar with Merchants classified as; 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
5. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to the Qantas American Express Card Points Terms and Conditions.
6. Qantas American Express Ultimate Primary Card Members are eligible for an annual $450 Qantas Travel Credit, subject to the full Qantas Travel Credit Terms and Conditions at amex.com.au/qantasultimate-travelcreditterms. The Qantas Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking for Qantas Flights (i.e. a QF flight number on your ticket) by selecting the Qantas Travel Credit when you checkout. All Qantas Flight travel is subject to Qantas Conditions of Carriage. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. The Qantas Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Qantas Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit.’ If your booking is cancelled, and your Qantas Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Qantas Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Qantas Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Qantas Travel Credit.
7. Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card or Qantas American Express Premium Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing selected Qantas products and services using your Card. Selected Qantas products and services means Qantas passenger flights purchased directly from Qantas.com.au with a QF flight number; Qantas Frequent Flyer and Qantas Club membership joining and/or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. Within 2 weeks of purchasing selected Qantas products and services, you will receive an email from Qantas confirming the Qantas Club Lounge Invitations are available for use. Login to the Complimentary Invitations Portal using your Frequent Flyer details to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account or Qantas American Express Premium Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions for Ultimate or Premium or the Qantas Club Lounge Access Terms and Conditions.
8. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. To join or purchase from Qantas Wine, you must be a Qantas Frequent Flyer member aged 18 years or older and have an Australian delivery address. An annual Membership fee usually applies for Qantas Wine Premium Membership but this will be waived so long as you continue to hold your Qantas American Express Ultimate Card or Qantas American Express Premium Card. Complimentary joining gift is not available with this offer. Qantas Wine Premium members will earn 3 Qantas Points per dollar on qantasepiqure.com.au. Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736.
9. Entry into The Centurion® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Card Members are entitled to a total of two (2) entries into The Centurion® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
10. Qantas Points and taxes, fees and carrier charges quoted for Classic Flight Rewards are accurate as at 13 September 2022 and are subject to change. Classic Flight Rewards are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) in addition to the points required. For more information, visit qantas.com/classicflightrewards
11. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Ultimate Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Qantas Ultimate Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
12. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Premium Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Qantas Premium Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
13. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your Qantas American Express Classic Credit Card or Qantas American Express Discovery Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the Qantas Discovery and Classic Credit Card Insurance Terms and Conditions here and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
14. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
15. You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It™ Instalment Terms and Conditions here.
16. Additional Card Members. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
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Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.
Google Pay and the Google Logo are trademarks of Google LLC.

17. From 10 January 2024, once you have earned a total of 100,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 1 Qantas Point per $1 spent on everyday purchases. All other earn rates (Qantas products and services and government spend) will remain unchanged. For Card Members who applied for the Card between 1 July 2023 – 9 January 2024, this change will come into effect from 10 July 2024. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 100,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.