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AmEx Essential Credit Card: $200 Cashback with $1500 Spend in First 3 Months, $0 Annual Fee, New Card Members Only

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AmEx Essential Credit Card: $200 Cashback with $1500 Spend in First 3 Months, $0 Annual Fee, New Card Members Only
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Cashback
eqv on 23/12/2021 - 14:21 americanexpress.com (3004 clicks)
Last edited 23/12/2021 - 23:33 by 1 other user

As mentioned on the Amex website:

Get $200 back when you apply, are approved and spend $1,500 on your card in your first 3 months of Card Membership. New Card Members only.

Annual Fee: $0 p.a.
Interest Rate:14.99% p.a. on purchases
Interest Free Period: Up to 55 days

To apply for The Essential Credit Card you need to:
Have an annual income of $40,000 or more
Have no history of bad debt or payment default
Be aged 18 years or over
Agree to access statements online through American Express
Be an Australian citizen, permanent resident or hold a long term visa

Referral Links

Business Explorer Card: random (1)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (7)

Referee gets 200,000 MR points. Referrer gets 150,000 MR points.

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Financial American Express Cashback Credit Card

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closed Comments

  • Dtezy on 23/12/2021 - 14:23
    +7

    This card is great for the phone screen protection deal and amex deals

    • HughinVestor on 23/12/2021 - 14:53
      +1

      yeah! i got it for that particular purpose (screen protection) and it's always been $0 annual fee since i've been holding it for about 2-3 years now. Amazing product

    • yoquierotaco on 23/12/2021 - 15:57

      is there a link for this?
      EDIT:
      NVM, it's on the middle of the page lol

    • Chua32 on 24/12/2021 - 00:19

      May I know what’s the screen protection deal ? Thanks

      • Dtezy on 24/12/2021 - 01:23
        +1

        Comes with phone screen insurance if you buy or pay for the phone using the card. They just charge the excess which is about 10%. I did it once pn a iPhone and no issues was good experience

  • silenthillrocks on 23/12/2021 - 14:30

    This or Qantas Discovery card?

    • eqv on 23/12/2021 - 14:53
      +1

      You get cashback on Essential, and interest free period is longer

      • USER DC on 23/12/2021 - 15:46

        its only initial signup cashback offer, Not ongoing cashback offer like they do with Amex Cashback CC overseas

        • silenthillrocks on 23/12/2021 - 16:40

          Theres a separate AMEX cashback card with 1% cashback but has a $10 montly fee

          • USER DC on 23/12/2021 - 16:41

            @silenthillrocks: i though they had like a 5% cashback signup offer, may be that offer finished

            • silenthillrocks on 23/12/2021 - 16:42
              +1

              @USER DC: I think they still have that but it was only for the first 3 months

    • roughana on 23/12/2021 - 14:56
      +2

      Why not both? and add Velocity as well.

      • Mr Frodo on 23/12/2021 - 15:46
        +1

        Thanks, I'll take that as a personal credit advice

  • silenthillrocks on 23/12/2021 - 15:00

    How many points for a Amazon or supermarket gift card?

    • Fobsessive on 23/12/2021 - 15:02
      +2

      Worth it for access to Amex deals alone

      • silenthillrocks on 23/12/2021 - 15:19

        So would make sense to use it for the amex deals but not as primary card for points earning/gift card redemption?

        • FW190 on 23/12/2021 - 15:37
          +1

          just checked, gift cards are $50 - 10k points.

          as for whether it should be your primary card, I guess you will need to sit down, check your spending and do some math and see which card is best for you.

          I used to be on the Amex Platinum Edge card until they halved the redemption rate, to the point where I couldn't earn my annual fees back, switched to the Essential and couldn't be happier, sure I get less points per dollar, but I also don't have to pay an annuaul fee so it evens out.

          • silenthillrocks on 23/12/2021 - 16:05
            +1

            @FW190: So earn rate is about 0.625% per $1, which actually isnt bad for a free card

            The $99 Coles Mastercard platinum is 1%, but the No Fee Coles version is only 0.25% by comparison.

      • wfdTamar on 23/12/2021 - 18:51

        I don't see anything mentioning them in the benefits listed.

  • montorola on 23/12/2021 - 15:04
    +1

    What does new card members only mean?

    New to just this card, or Amex in general?

    • kerfuffle on 23/12/2021 - 15:07
      +2

      Amex in general; there's usually an 18 month break before you're eligible for another Amex bonus

      • lorpek on 05/01/2022 - 09:07

        Is this 18 months after cancelling or applying (beginning membership)?

        • kerfuffle on 05/01/2022 - 09:28

          Clearly after cancelling …

  • Danger on 23/12/2021 - 15:26

    What's annual income requirement

    • Heybargain on 23/12/2021 - 15:28
      +1

      Click through and you’ll quickly find this:

      To apply for The Essential Credit Card you need to:
      Have an annual income of $40,000 or more
      Have no history of bad debt or payment default
      Be aged 18 years or over
      Agree to access statements online through American Express
      Be an Australian citizen, permanent resident or hold a long term visa

      • eqv on 23/12/2021 - 15:29

        Added to description

        • expatOz on 23/12/2021 - 15:33

          How does it work for casual employeees?

          • Heybargain on 23/12/2021 - 16:20

            @expatOz: Call and ask them

          • BargainGeezer on 23/12/2021 - 16:25

            @expatOz: If you're in the role for at least 6 months (I'd recommend 12) and have a decent credit history (ie the Amex isn't your first card), you should be fine. Just add up what you made over the past 3 months, extrapolate that over 12 months and use that figure as your annual income.

            EDIT: This is what I did while working casually pre-COVID. They might be a bit more strict with casual employees now.

  • povertytrap on 23/12/2021 - 15:39
    +1

    For a basic Amex you don’t normally receive cashback so this is a great deal.

  • HoffyAU on 23/12/2021 - 15:39

    It sounds like a great deal but what is the spending limit on this card. All of the bank credit cards have a limit so why not this one? Or is based on your annual income? Thanks in advance.

    • BargainGeezer on 23/12/2021 - 16:27
      +2

      As in the credit limit? The lowest you can ask for is $2000 for this card.

    • spaceflight on 23/12/2021 - 23:10
      +2

      All credit limits are based on your personal circumstances.

  • solomon2089 on 23/12/2021 - 17:04

    Is this a permanent offer or a limited time thing? It doesn't say when the offer expires?

    • WookieMonster on 23/12/2021 - 18:20

      There's no promotion end-date given on the AMEX website. All it says is:

      This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer and may be removed at any time.

  • OzFrugie on 23/12/2021 - 18:21

    can I cancel my current one and reapply? would it be prohibited?

    • silenthillrocks on 23/12/2021 - 19:22

      Won't get the bonus until you reapply after 18 months

  • Vulgar on 23/12/2021 - 21:04

    I'm so sad, I've already got an AmEx Essentials card.

  • infinity3000 on 23/12/2021 - 21:40
    +1

    Anyone know how long it takes before you can use the card? i.e. if you apply and are approved, do you get the card number to use immediately for online shopping or do you have to wait to receive the card/PIN in the mail?

    • Mend on 23/12/2021 - 22:31

      I'm also interested in the answer to this. Some banks support instant provisioning and you can immediately add the card to a digital wallet, while others like to torture prospective customers with snail mail and branch visits.

    • eqv on 23/12/2021 - 23:20

      From what I can recall, once you get the card, you'll need to activate it online (through website or app), and you can use it right after

    • ledgisv2 on 23/12/2021 - 23:27
      +1

      I applied today and got this email "You'll receive your new Card within 7 business days, along with a welcome pack explaining all the benefits that come with your membership."
      So I guess we can't use it immediately.

  • vkuma on 23/12/2021 - 22:53

    nice bonus for a fee free amex card :-) alas i am already with amex.. :-P

  • whey4000 on 24/12/2021 - 01:49

    Am I eligible if I have another Amex card (thats not the essential)

    • kerfuffle on 24/12/2021 - 11:10

      Usually, no.

  • Bargain-er on 24/12/2021 - 07:19
    +1

    Will it be applicable for additional card members?

    • USER DC on 27/12/2021 - 19:47

      Their website says no additional points from spending via additional cardholders

  • USER DC on 25/12/2021 - 16:03

    Any clue how long they take to approve people? Their website says 10 mins, but after applying, even though it showed option of going to max Credit limit, I chose way way lower ofcourse, But the website end up saying 5-10 days for getting outcome?

  • USER DC on 29/12/2021 - 10:33
    +1

    Anyone got tips for those who are denied?
    (While meeting all of their requirements)

    • AngryAlfred on 29/12/2021 - 13:10
      +1

      Who knows, happened to me too easily meeting the requirements. "Wait for a letter explaining the reason" was what they told me

  • Mintchip on 19/01/2022 - 08:57
    +1

    Bonus came in today after hitting the minimum spend a few days ago, nice!

  • avendr on 27/01/2022 - 17:26
    +3

    Apply through referral link, few of them have $300 cash back instead of standard $200. Unfortunately, they declined my credit card applicaiton.

    • PissLUR on 27/01/2022 - 19:12

      thanks for the tip.

    • billy_bob on 03/02/2022 - 00:56

      I only see referral links for David Jones card ($99 annual fee) and the Business Explorer card ($399 annual fee)?
      Is there referral links for this Essential card?

      • PissLUR on 03/02/2022 - 12:15
        +1

        click the show 13 more button

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