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

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Cashback

LemonShapedRock on 15/01/2025 - 22:04 americanexpress.com (217 clicks)
Last edited 15/01/2025 - 22:20 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.

Related Stores

American Express

• 

  localhost on 15/01/2025 - 22:11

  Now fees are per month :)

  Oh, boy…

• 

  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

    Churbers won't get approved.

• 

  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.

• 

  nightelves on 15/01/2025 - 22:36

  +2

  Is Amex continuing to reject churners?

  • 

    hypnOtixx on 15/01/2025 - 23:24

    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

      Because its an abuse of the credit reporting system.

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

• 

  Alejandro on 15/01/2025 - 22:39

  -1

  No travel insurance isnt ideal

• 

  rifter on 15/01/2025 - 23:10

  +1

  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

    Same but different rewards.

  • 

    Jaso n on 16/01/2025 - 00:17

    would like to know this as well