The American Express Low Rate Credit Card

The American Express Low Rate Credit Card

$0 Annual Fee

A Low Rate Credit Card

With Cashback and $0 Annual Fee

With $0 annual fee, you can't lose! Plus, you get the Low Rate and Cashbacks Offers!


Low Rate


with Amex Offers

0% p.a

For 12 Months


Annual Fee
Categories Earn Rate
shopping Earn 2 Velocity Points Per Dollar.
grocery, petrol, utility, telecommunication, insurance, foreign_transaction, other Earn 1 Velocity Points Per Dollar.
government Earn 0.5 Velocity Points Per Dollar.
Reward Program Maximum Earn Rate
Singapore Airlines - KrisFlyer $1 earns 1.29 KrisFlyer Miles.

Even More Redemption

Looking for other Redemption Options? Unlock More Redemptions Now!

Pros & Cons

  • 8.99% Low Rate, very low in Australia.

  • $0 Annual Fee.

  • Access to Amex Offers. Cashback!

  • Excellent 24/7 Customer Service.

  • 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

To be clear. I do not recommend ANY low rate card. You should never spend the money you don’t have. If you are in debt, GET OUT OF DEBT! Use DEBIT CARD instead.

If that’s not possible in the short term, consider getting a card that has the lowest rate possible. Amex Low Rate is a good choice only in this sense.

Product Name The American Express Low Rate Credit Card
Card Image

The American Express Low Rate Credit Card

Card Network
Card Issuer American Express
Annual fee $0 p.a.
Purchase Interest Rate 8.99% 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 $50000 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 $50,000, multiple applicants indicate that a stable $45,000 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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