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Which American Express Card is the Best for You?

We help you compare Amex cards and choose the best credit card deals. It can be confusing choosing the best credit card for points. You may already have an Amex card so this page will simplify the information for you and help you look into American express credit card points system to find the Best Amex card to suit you.

Amex Reward Points Earning Rates Per $1 Spent


American Express Personal Cards

Amex Reward Points Earning Rates

Card Names Category Annual fee Supermarket & Petrol Overseas Others Government Other Major Benefits
Platinum card tier-I $1,450 2.25 1 $450 Travel Credit, Accor Plus Membrsp -$395, Hotel Elite Status, Priority Pass


Sign up incentive: 150k Bonus Mem reward pts

Platinum Reserve tier-II   2  
Explorer card tier-III $395 $400 Travel Credit, hotel credit up to US$100, two complimentary entries per year to Lounges


Sign up incentive: 50k Bonus Mem reward pts

Reward Advantage tier-I   1.5  
Green card tier-II  
Gold card tier-II   1.25  
Blue & Essential tier-III $0 Smartphone Screen Insurance up to $500 for screen repairs, twice a year
Platinum Edge tier-II $195 3 2 1 $200 Travel Credit
Platinum Rewards   2  

Platinum Reserve, Reward Advantage, Green & Gold cards and Biz accelerator card are no longer available on American Express website. However, existing card holders may continue using these cards.

Points earned above are with American Express.


Qantas and Virgin Amex Personal Cards


Qantas Amex Cards Annual fee Qantas Products others Government Other Major Benefits
Qantas Ultimate $450 2.25 1.25 0.5 $450 Qantas Travel Credit each year,
2 complimentary entries per year to the American Express Lounge, at Sydney & Mel Intl airports,
2 club lounge invitations
Sign up incentive: 65k Bonus Qantas Pts spend $3k in 3m
Qantas Premium $249 2 1 2 Complimentary Qantas Club lounge invitations


Sign up incentive: 30k Bonus Qantas Points

Qantas Discovery $0 1.75 0.75  
Qantas Classic N/A  
Virgin Amex Cards   Virgin Products others Government Other Major Benefits
Velocity Platinum $375 2.25 1.25 0.5 complimentary domestic return flight


Sign up incentive: 100k Bonus Velocity Points

Velocity Gold N/A 2 1  
Velocity Escape $0 1.75 0.75  

Qantas Classic and Virgin Gold cards no longer available on American Express website. However, existing card holders may continue using these card.

Points earned above are with the airline loyalty programs.

American Express Business Cards


Business Card Names Card Category Annual Fee Government Others  
Platinum Business Card tier-I $1,750 1 2.25 Hotel Elite Status
Accor Plus membership
Virgin & Amex Lounge access
Sign up incentive: 130k bonus Rewards points 
Business Accelerator * tier-II N/A 2  
Business Explorer tier-III $395 Two annual American Express Lounge passes


Sign up incentive: 100k bonus Rewards points 

Gold Business card tier-II $169 1.5 Hertz Gold Plus Rewards
Green Business cards $109  

Points earned above are with American Express.

Qantas and Virgin Business Cards


Card Names Annual fee Qantas Products Government/
Others  Other Major Benefits
Qantas Biz Rewards card $450 2 0.5 qantas points 1.25 TRIPLE Qantas Points for your business on eligible Qantas flights
Qantas Club Lounge passes
Access savings of up to 8% on the base fare of eligible Qantas Flights
Sign up incentive: 100k Bonus Qantas Points
Qantas Biz Amex CC $160 0.5 qantas points 1 Complimentary travel insurance
    Virgin Products      
Velocity Biz card $249 2 0.5 velocity points 1 Complimentary Virgin Lounge access and travel insurance

Points earned above are with airline loyalty programs, not Amex. You can not transfer them to other airlines.

How to Compare Amex Cards Points Earning Capacity

When you compare Amex cards to determine which one earns the most point, bear in mind, reward points earned by NONE Qantas or Virgin cards will convert to less airline points, see conversion details below

Amex Points to Airline Points Conversion from 15th April 2019
Airlines Air New Zealand 200:1
Other Eligible Airlines* 2:1
Eligibility Qantas Yes No No
Virgin Atlantic Yes No
Velocity Yes Yes
Hotels Hilton Honors 2:1
Marriot Bonvoy 3:2

* Amex reward points can be transferred to these airline reward programs
Asia Miles, Emirates Skyward Miles, Qantas Frequent Flyer, Etihad Guest, Singapore-Krisflyer, Malaysian Enrich, Thai Royal Orchid Plus, Velocity Frequent Flyer and Virgin Atlantic.  Qantas Frequent Flyer, Virgin Atlantic or Velocity Frequent flyer may be excluded for some cards.

Qantas or Virgin cards earn you Qantas or Virgin points, there’s NO conversion.

DO NOT transfer your points to airlines till you know which platform is the best for getting your redemption flights at the lowest points.



Generally, you get the most airline points per dollar spent on Qantas or Virgin credit cards, especially if you fly with them frequently.
However, Qantas Frequent Flyer Program is one of the most difficult redemption platforms to redeem your points. Virgin is in the process of redeveloping their redempton program, we will update you.

For those who do not use Qantas or Virgin products frequently, Platinum Card earns you the most points, unless the majority of your expenses is on supermarket or petrol, then get Platinum Edge card.

You need to take into consideration the difference in annual fees, for example, Platinum Card earns you mostly 2.25 points/$ and Explorer Card earns you mostly 2 points/$, but the annual fee difference is $1055.  If you do not need to transfer your points to Qantas, and do not value the other major benefits on Platinum cards, you need to spend approx $400k to justify the higher fees.  However, for frequent travellers, who do value some of the benefits on Platinum Card, such as the Priority Pass for lounge access in most major airports, the higher level of hotel memberships which entitle you for free upgrades, late checkout, free breakfast or additional amenities, and Platinum card concierge service, the Platinum card is a better choice.


Our Service

Still unsure which card is the best for you? or too busy to learn the best practice earning and redeeming your points? If you have a portfolio of 2 million reward points +,   we offer DFY (done for you) service to maximise your points earning capacity and points value,  Contact us to make an enquiry. Service details will be updated on the site shortly.