Compare All American Express Credit Cards

The American Express Gold Rewards Card

Get $200 back when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply¹.

Our fastest earn rate. Earn 2 Membership Rewards points per $1 spent².

Get up to $200 Dining Credit³

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The American Express Airpoints Platinum Card

Be rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.⁴

$59 spend = 1 Airpoints Dollar^TM5

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The American Express Airpoints Card

50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only ⁶.

$0 Annual Card Fee.

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The Low Rate Credit Card from American Express^®

Enjoy an introductory interest rate of just 2.99% p.a on purchases for 6 months.⁷

Add up to 4 additional Cards with no annual fee.⁸

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The American Express Platinum Card^®

100,000 bonus Membership Rewards points. When you apply online for the Platinum Card, are approved, and spend $1,500 on purchases on your new Card within the first 3 months. New Card Members only⁹.

Get access to Platinum Travel Service and Platinum Concierge.¹⁰

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2022 Award Winner ‘Most Satisfied Customers’

Thank you to our Card Members who voted American Express NZ as having the best Rewards Credit Card. We’ve been rated #1 for Canstar’s Most Satisfied Customers in 2022.

4th year running

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Airpoints^TM, Rewards, Platinum or No Annual Fee. Find out what Card suits you best.

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Discover how American Express Membership gives you more

Complimentary domestic flights, Travel Insurance, hotel stays and more.

Gift cards, shopping, entertainment, travel and more.

Special deals, pre-sale concert tickets, Member-only experiences, and other American Express benefits.

Secure Account features, access to 24/7 Global Support and more.

Terms and Conditions

Bonus & Eligibility. To receive $200 Credit, you must apply online, be approved and spend $1,500 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Please allow 8–10 weeks for the credit to be credited to your Account after the spend criteria has been met. Card Members who opt in to receiving payment alerts, may receive a payments received email once the $200 Credit has been applied to their Account. The credit is not redeemable for cash or other payment form. The credit will not be applied to your Account if it has been suspended or cancelled. The Statement Credit may be reversed if your qualifying purchase is refunded or cancelled. Card Members who currently hold or who have previously held any Card product issued by American Express International (NZ), Inc. in the preceeding 18 month period are ineligible for this offer. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. This advertised offer is not applicable or valid in conunction with any other advertised or promotional offer and may be removed at any time.

Membership Rewards Points Transfer. Subject to the Terms and Conditions of the Membership Rewards Programme available at https://www.americanexpress.com/en-nz/rewards/membership-rewards/terms. To transfer Membership Rewards points into an airline partner programme or a frequent guest partner programme, you must be a member of the partner programme. Membership of the partner programme is the Card Member's responsibility and is subject to the terms and conditions of the applicable programme. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit https://www.americanexpress.com/en-nz/rewards/membership-rewards/terms for details.

Annual Dining Credit. Valid at participating Dining Collection restaurants only. Limited to one $100 credit each defined calendar period, per Gold Rewards Card Account. The defined calendar periods are between 1 January and 30 June, and between 1 July and 31 December. Limited to a maximum of two credits at a total of $200 each year, per Gold Rewards Card Account. Your Card must be charged prior to the end of each defined calendar period to be eligible for the credit in the defined calendar period. Spend on Additional Cards will count towards the offer. Excludes transactions where you do not spend directly with your Card at a participating Dining Collection restaurant. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the end of the defined calendar period. Excludes transactions made through a third-party establishment or payment processor. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Gold Rewards Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. If you hold multiple American Express Cards linked to one Membership Rewards® account, the Credit will be credited to the Primary Card Account only.
Bonus & Eligibility. Offer only available to new American Express Card Members who apply online, are approved and spend $1,500 on their new Card in the first 3 months from Card approval date. Card Members who currently hold or who have previously held any other Card product offered by American Express International (NZ), Inc in the preceding 18 month period are ineligible for this offer. 300 bonus Air New Zealand Airpoints Dollars will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Airpoints Platinum Programme. Subject to the American Express Airpoints Platinum Card Benefits Terms and Conditions available here. Status Points and Airpoints Dollars are not earned on purchases of American Express Travellers Cheques, Gift Cheques or for purchases of Foreign Exchange, cash advances, balance transfers, interest, annual Card fees or other fees and charges billed to the account. Air New Zealand Airpoints Programme terms and conditions also apply. Airpoints Dollars and Status Points earning rates are subject to change with reasonable notice.

Bonus & Eligibility. Offer only available to new American Express Card Members who apply online, are approved and spend $750 on their new Card in the first 3 months from Card approval date. Card Members who currently hold or who have previously held any other Card product offered by American Express International (NZ), Inc in the preceding 18 month period are ineligible for this offer. 50 bonus Air New Zealand Airpoints Dollars will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Introductory Interest Rate. Offer only available to new American Express Low Rate Credit Card Members who apply and are approved. The 2.99% p.a. introductory rate applies to purchases for six months commencing the day the account is opened. Any balances transferred including from your existing American Express Card, cash advances and fees are excluded from the 2.99% p.a. introductory interest rate. At the end of the six-month introductory period, the interest rate for new charges and any remaining balances will revert to the prevailing interest rate at that time. Visit here for more information.

Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.

Bonus & Eligibility.Offer only available to new American Express Card Members who apply online for the Platinum Card, are approved and spend $1,500 on their new Card on eligible purchases in the first 3 months of Card Membership. Card Members who currently hold or who have previously held any other Card product offered by American Express International (NZ), Inc. in the preceding 18 month period are ineligible for this offer. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8 to 10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

Platinum Concierge. There's typically no cost for the Platinum Concierge, although you are responsible for any purchase and/or shipping charges you authorise. Fees may apply for meetings and event planning.

300 bonus

Airpoints Dollars™

with the Airpoints Platinum Card*

Discover amazing.

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