Get 20,000 Flybuys Bonus Points (worth $100) when you apply and are approved for a Coles No Annual Fee MasterCard by 27 August 2016 and make a purchase with 30 days.
Simply enter the promotional code 'promo3' when you apply at coles.com.au/creditcards
New customers only. 20,000 Bonus Points will be credited to the Flybuys account linked to your credit card within 2 weeks of the first purchase.
Minimum Credit Limit $1000.
Who can apply
✓ Over 18 years old
✓ Earn over $25,000
✓ Have the right to work in Australia
Here's the leaflet: https://files.ozbargain.com.au/upload/24137/41117/img_201607…
Get both. The coles card with better reward points and annual fee as your main card (everywhere possible), then get an AmEx with no annual fee and use it as backup card for cash back offers, shop small offers etc. Getting AmEx as your only card isn't really an option as it's not accepted everywhere - especially for larger bill payments etc.