AmEx Essentials Rewards Card via Referral: 60,000 Bonus Membership Rewards Points ($3,000 Min Spend in 3 Months), $9 Monthly Fee

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AmEx Essentials Rewards Card via Referral: 60,000 Bonus Membership Rewards Points ($3,000 Min Spend in 3 Months), $9 Monthly Fee
Go to Deal
Cashback
LemonShapedRock on 15/01/2025 - 22:04 americanexpress.com (401 clicks)
Last edited 16/01/2025 - 14:46 by 2 other users

This deal is only available via referral which you can access here or in the referral section below.

I've had many AMEX cards before and I find this one to be the simplest and least hassle card.

Using the Velocity return flight, $450 Qantas Travel Credit or the Explorer $00 travel credit I always found to not be the most cost effective for my planning. The Screen protector insurance is great plus the bonus categories have the potential to work better for you than maybe even the explorer.

Earn up to 5 points on your first 10,000 points per month, and then continue earning 1 point per $1 spent after that4
5 points per $1 spent on eligible eats & drinks purchases in Australia including Guzman Y Gomez, McDonald’s, Starbucks, Boost Juice and more.4
3 points per $1 spent on selected streaming subscriptions in Australia4 including Spotify, Netflix, Disney+, Binge, Kayo Sports, Stan, and Amazon Prime.
2 points per $1 spent at selected major retailers in Australia4 including The Iconic, JB Hi-Fi, Kmart, Bunnings, Uniqlo, Amazon, Myer and Harvey Norman.
1 point per $1 spent on everything else4

  • Up to $500 with the complimentary Phone Screen Protector Insurance

Great little card IMO with a decent sign up bonus for casual card users.

Referral Links

Business Explorer Card: random (1)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (9)

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

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Financial American Express Membership Rewards Reward Points

Related Stores

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Comments

  • localhost on 15/01/2025 - 22:11
    +1

    Now fees are per month :)

    Oh, boy…

    • cski on 16/01/2025 - 10:31

      Latitude was like that,

      Celebratory gas light email making your life easier ending the burdomsome $99 annual fee
      with a more considerate affordable monthly $7.95

      less than 18 months later it went to $8.95 $9.95 and is now $10.95 per month

      • ShouldIBuyIt on 16/01/2025 - 15:43

        Interesting I'm only paying $8 per month

  • cheap4321 on 15/01/2025 - 22:12

    banks trying to squeeze as much as they can from the consumer…. IIRC the essential card was previously fee free.

    • Craze on 15/01/2025 - 22:20

      The min spend threshold seems to be increasing too… 😢

  • starbearer on 15/01/2025 - 22:13
    +1

    Interesting. Suppose you spend $3000 in 2 months and lets say it takes another month to receive your bonus points, does that mean you end up spending just $27 in fees?

    That could be much better for big spender/churners compared to spending the full annual amount for fees.

    • circle9nine on 15/01/2025 - 23:42
      +1

      Churbers won't get approved.

    • SenorQuack on 16/01/2025 - 15:01

      Very hard for churners to be approved. I applied for this card last week, haven't held an AMEX since 2021, but have churned 9 cards in the last couple of years and was declined instantly. No consideration of financial situation, no documents submitted.

  • starbearer on 15/01/2025 - 22:15
    +1

    Just noticed there is $97.5 cashrewards cashback also, does that mean you can potentially be in profit?

    • djc on 15/01/2025 - 22:19

      They would have to recognise the referral and the Cashrewards in the same transaction.

      I would have assumed it’s for annual fees only, or a minimum of 12 months paid monthly. Looking at the Cashrewards terms, it doesn't say otherwise.

    • SenorQuack on 16/01/2025 - 20:14

      Quite strangely, I was rejected for this card, yet the Cashback was approved and instantly available for withdrawal - albeit $32.50 instead of $97.50?

  • nightelves on 15/01/2025 - 22:36
    +3

    Is Amex continuing to reject churners?

    • hypnOtixx on 15/01/2025 - 23:24
      +1

      Nothing official, but it seems to be the case if there is a clear pattern.

      • nightelves on 15/01/2025 - 23:41

        Seems they’re using Ai to weed out all the non-profitable customers.

      • circle9nine on 15/01/2025 - 23:43
        -1

        Because its an abuse of the credit reporting system.

        Nothing to do with credit worthiness - all to do with assessing loyalty.

        • SeaWolf au on 16/01/2025 - 09:15

          A high churn rate could indicate that someone has a debt that they're using balance transfer offers to move around and avoid paying off. That would reflect a credit worthiness issue.

  • Alejandro on 15/01/2025 - 22:39
    -1

    No travel insurance isnt ideal

  • rifter on 15/01/2025 - 23:10
    +2

    Is the $9/month fee only for new AMEX Essentials Credit Cards?
    My current AMEX Essentials Credit Card has always had no monthly or annual fees.

    • GeoK on 15/01/2025 - 23:22
      +1

      Same but different rewards.

    • Jaso n on 16/01/2025 - 00:17

      would like to know this as well

      • SeaWolf au on 16/01/2025 - 09:12
        +5

        No changes to your existing Essential card. This is effectively a new product, Essential Rewards, and the old product, Essential, is no longer offered to new customers. But if you already have it, you can keep it.

  • doobey1231 on 16/01/2025 - 09:09
    +1

    Amex is going down the toilet here imo. Had one for a while and at the beginning it was awesome, especially with the good old afterpay loophole(anywhere that charges extra or doesn't accept amex will have a better chance accepting afterpay, you could then pay the afterpay charges with amex - afterpay no longer takes amex). Nowadays it seems the only places I can use it are the odd cafe and Coles, now we moved and Aldi is our closest shop its not even worth it for that.

    Their customer service is still top notch so full credit for that, but I found the benefits to be ever decreasing, higher spend thresholds to be eligible and less kick backs for the privilege, all of these little decreases in capacity with the glaring big problem of having to ask "do you take amex" every time you go to tap just put it in the too hard basket for me.

  • Roe Jogan on 16/01/2025 - 18:23

    platinum vs platinum business, does one loose out on any perks that the other would have?

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