Learn more about Credit Card fees

From annual fees to Card transaction fees, find out all you need to know about Credit Card fees, how they work and how to avoid them.

Types of fees

On some Cards, we charge an annual Card fee, and in return you get richer rewards, features and benefits. The rewards vary from Card to Card. There are also other Credit Card transaction fees and Credit Card fees you should know about.

When do we charge you an annual Card fee?

We will charge an annual Card fee within the first statement period as a new Card member, and annually, in the month of your Card Membership anniversary.

Can you choose a Credit Card without an annual fee?

Yes. The American Express Airpoints Card is a no annual fee Credit Card that also allows you to earn Airpoints Dollars™ fast.

What is a Credit Card surcharge?

A surcharge is a fee that a business charges a customer for using a Card to make a purchase. While American Express strongly opposes surcharging, it is not illegal and is a cost that a business can choose to pass on to a customer if they wish.

Discover the Card that earns Airpoints Dollars fast with no annual fee

The American Express
Airpoints Card

  • No annual fee
  • Earn 1 Airpoints Dollar for every $100 you spend1
  • 0% p.a. introductory interest rate on purchases for the first 6 months2

Explore our Personal Cards


Earn Airpoints
Dollars™ fast


Earn points from
everyday spending


Premium benefits
and services

No Annual Fee

Card Member benefits
with no annual fee

Membership that gives you more

As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.