The American Express Essential Credit Card

The American Express Essential Credit Card

$0 Annual Fee

A Free Rewards Credit Card

Cashback and Membership Rewards with $0 Annual Fee

With $0 annual fee, you can't lose! Plus, you get the Membership Rewards Points and Cashbacks Offers!

$500

Screen Insurnace

1 Point

Per Dollar

$0 p.a

For 12 Months

$0

Annual Fee

Rewards Programs

Earning and Redeeming
Categories Earn Rate
shopping, grocery, petrol, foreign_transaction, other Earn 1 Gateway Points Per Dollar.
utility, telecommunication, insurance, government Earn 0.5 Gateway Points Per Dollar.
Categories Earn Rate
shopping, grocery, petrol, foreign_transaction, other Earn 1 Ascent Points Per Dollar.
utility, telecommunication Earn 0.5 Ascent Points Per Dollar.
Categories Earn Rate
shopping, grocery, petrol, utility, telecommunication, insurance, other Earn 1 Ascent Premium Points Per Dollar.
government Earn 0.5 Ascent Premium Points Per Dollar.
Reward Program Maximum Earn Rate
Virgin Australia - Velocity Frequent Flyer $1 earns 0.5 Velocity Points.
Minimum transfer amount: 2000 points
Singapore Airlines - KrisFlyer $1 earns 0.5 KrisFlyer Miles.
Minimum transfer amount: 5000 points
Cathay Pacific Airways - Asia Miles $1 earns 0.5 Asia Miles.
Minimum transfer amount: 5000 points
Emirates - Emirates Skywards $1 earns 0.5 Skywards Miles.
Minimum transfer amount: 2000 points
Etihad Airways - Etihad Guest $1 earns 0.5 Etihad Guest Miles.
Minimum transfer amount: 1000 points
Air New Zealand - Air New Zealand Airpoints $1 earns 0.005 Airpoints.
Minimum transfer amount: 2000 points
Thai Airways - Royal Orchid Plus $1 earns 0.5 Royal Orchid Plus Miles.
Minimum transfer amount: 5000 points
Malaysia Airlines - Enrich $1 earns 0.5 Enrich Miles.
Minimum transfer amount: 500 points
Hilton Hotels & Resorts - Hilton Honors $1 earns 0.5 HHonors Points.
Minimum transfer amount: 1000 points
Marriott Hotels‎ - Marriott Rewards $1 earns 0.6666 Bonvoy Points.
Minimum transfer amount: 1000 points
Reward Program Maximum Earn Rate
Virgin Australia - Velocity Frequent Flyer $1 earns 0.5 Velocity Points.
Minimum transfer amount: 2000 points
Singapore Airlines - KrisFlyer $1 earns 0.5 KrisFlyer Miles.
Minimum transfer amount: 5000 points
Cathay Pacific Airways - Asia Miles $1 earns 0.5 Asia Miles.
Minimum transfer amount: 5000 points
Emirates - Emirates Skywards $1 earns 0.5 Skywards Miles.
Minimum transfer amount: 2000 points
Etihad Airways - Etihad Guest $1 earns 0.5 Etihad Guest Miles.
Minimum transfer amount: 1000 points
Air New Zealand - Air New Zealand Airpoints $1 earns 0.005 Airpoints.
Minimum transfer amount: 2000 points
Virgin Atlantic - Flying Club $1 earns 0.5 Flying Club Miles.
Minimum transfer amount: 2000 points
Thai Airways - Royal Orchid Plus $1 earns 0.5 Royal Orchid Plus Miles.
Minimum transfer amount: 5000 points
Malaysia Airlines - Enrich $1 earns 0.5 Enrich Miles.
Minimum transfer amount: 500 points
Hilton Hotels & Resorts - Hilton Honors $1 earns 0.5 HHonors Points.
Minimum transfer amount: 1000 points
Marriott Hotels‎ - Marriott Rewards $1 earns 0.6667 Bonvoy Points.
Minimum transfer amount: 1000 points
Reward Program Maximum Earn Rate
Qantas Airways - Qantas Frequent Flyer $1 earns 0.5 Qantas Points.
Minimum transfer amount: 2000 points
Virgin Australia - Velocity Frequent Flyer $1 earns 0.5 Velocity Points.
Minimum transfer amount: 2000 points
Singapore Airlines - KrisFlyer $1 earns 0.5 KrisFlyer Miles.
Minimum transfer amount: 5000 points
Cathay Pacific Airways - Asia Miles $1 earns 0.5 Asia Miles.
Minimum transfer amount: 5000 points
Emirates - Emirates Skywards $1 earns 0.5 Skywards Miles.
Minimum transfer amount: 2000 points
Etihad Airways - Etihad Guest $1 earns 0.5 Etihad Guest Miles.
Minimum transfer amount: 1000 points
Air New Zealand - Air New Zealand Airpoints $1 earns 0.005 Airpoints.
Minimum transfer amount: 2000 points
Virgin Atlantic - Flying Club $1 earns 0.5 Flying Club Miles.
Minimum transfer amount: 2000 points
Thai Airways - Royal Orchid Plus $1 earns 0.5 Royal Orchid Plus Miles.
Minimum transfer amount: 5000 points
Malaysia Airlines - Enrich $1 earns 0.5 Enrich Miles.
Minimum transfer amount: 500 points
Hilton Hotels & Resorts - Hilton Honors $1 earns 0.5 HHonors Points.
Minimum transfer amount: 1000 points
Marriott Hotels‎ - Marriott Rewards $1 earns 0.6667 Bonvoy Points.
Minimum transfer amount: 600 points

Even More Redemption

Looking for other Redemption Options? Unlock More Redemptions Now!

Pros & Cons

  • $0 Annual Fee.

  • Earn 1 Membership Rewards per dollar.

  • Access to Amex Offers. Cashback!

  • Complimentary Travel & Shopping Insurance.

  • Smartphone Screen Insurance up to $500.

  • Excellent 24/7 Customer Service.

  • Relatively High Purchase Interest Rate, if the balance is overdue.

  • No Cash Advance Available.

  • Not accepted as widely as Mastercard or VISA.

Where are the Cashbacks?

American Express offers Cashbacks via its American Express Connect portal. Here're some of the Cashback offers in 2018.

Card Details

The American Express Essential is a great free annual fee rewards credit card. It has a $0 annual fee. It comes with Membership Rewards and Cashbacks Offers.

Product Name The American Express Essential Credit Card
Card Image

The American Express Essential Credit Card

Card Network
Card Issuer American Express
Annual fee $0 p.a.
Purchase Interest Rate 14.99% p.a
Cash Advance Interest Not Available
Interest Free Period Up to 55 days on purchases
Foreign Transaction Fee 3%, using American Express Exchange Rate.
Minimum Income $40000 p.a.
Minimum Credit Limit $2000
Age Requirement 18 to years old.
Residency Requirement Citizen
Permanent Resident
Business Long Stay Visa
Working Visa
Student Visa
Additional Cardholder Up to 4 additional cardholder, for $0 each.

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* While official indicates $40,000, multiple applicants indicate that a stable $35,000 p.a. income is enough.
** While official indicates $3,000, customer support had confirmed that credit limit could be lowered to $2,000
*** While official indicates Citizen, PR, and Business Long Term VISA, multiple applicants indicate that, as long as you have a stable high income, VISA policy is not strictly enforced.

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