American Express Gold

Has anyone else experience this problem? – Has anyone else experience this problem? Amex offer promo of $200 rebate when you spend over $4000 in month of Sept/Oct 2021, however they claim this offer was for only the first 100 customers, when I tried the system kept logging me out. I am a high value spender thus no open to these promotions it appears.  Show details

American Express tactics – Here we go again. Held Gold Card for 40 years. Never not paid on time. Initially,1 month given to pay. Then, reduced to 2 weeks to pay. NOW ! 3-5 days. Reason -by sending out mail late AMEX can then charge a late fee. AMEX response ; (1) I, should complain to Australia Post ( Amex is Aus Post client NOT me ) (2) We dont know how to arrange to… Read more

have a date stamp put on an envelope ?

(4)From a Supervisor-we HOPE you receive your invoice earlier next month. (HOPE !). My response-Stop manipulating the postage so as to extort monies from clients that is NOT warranted.

40 Years of LOYAL custom and their service, nothing less then despicable. James

BEWARE – The monthly repayments are calculated at 2.5% of your closing balance plus interest. I was recently charged 5% plus interest. Trying to get an explanation was frustrating. I finally received an email stating my Flexible Plan Option had been cancelled the previous month. I finally got to speak to someone with authority who treated me like an idiot.… Read more

I explained to him I hadn't received notice of the cancellation of my FPO and in-fact it was clearly written on my last statement that it is still active! They offered no evidence that I had been given notice at any time only that he "had a note" confirming the cancellation. This is how they treat a customer of around 20 years.If I had know my FPO was suspended I wouldn't have use the card.

Dishonest scales are an abomination to the LORD, but a Just weight is His delight..BEWARE.

Acceptance can be poor but good rewards – I am an Australian resident. I have had this card since 1977. It is a "no annual fee card", as that was the way it was issued back then and I have since rejected all the Amex offers to upgrade the card because that involves new terms & conditions, some of which are to my benefit whilst others are not. It is used as my "primary" card. The… Read more

card has an interest free period for purchases (55 days?).

In Australia the card is quite useable in the city and suburban areas, but it has nowhere near the acceptability of other cards such as Mastercard or Visa. Often business want to charge a surcharge for its use, however I tend not to shop at places that surcharge or do not accept Amex. It is accepted (without surcharge) at most fuel stations, department stores, and supermarkets, as well as hotels and motels in the major cities and suburban areas. In country areas. other than the major chain supermarkets and fuel stations, hotels & motels, the card is most often not accepted. It is often accepted on-line, and can be linked to your PayPal account for all your local and overseas purchases.

Why do I persevere with the card? The only reason is that it is free, and, offers a great loyalty rewards programme where the points do not expire, and the points are very useable as they can be exchanged for store vouchers, products or even payment on your account, as well as travel. However you must have an alternative Mastercard or similar if you do want to avoid payments in cash.

I also use the card overseas purchases and payments when travelling. However there is a 2.5% transaction fee where the transaction is not in your home currency but the exchange rate used for conversion is reasonable.

It is a card that you should pay off in full each month or have the draconian 20% interest charge applied, so watch it if you are travelling and outside your usual "comfort" zone. Customer service is via overseas call centres. I have found them helpful and cooperative, even when I have neglected to pay my account by the due date and have had the 20% interest applied, which they have always reversed, (but it has only happened about 4 times).

Terrible – In doing our homework, my wife and I have found that unless you pay out your credit card balance at the end of every month, points never make up for the low interest of non-points credit cards such as the 12% St George or Aussie cards. The spend limit on the card is quite generous, as is the rewards program and the points given per dollar spent. … Read more

Booklets are posted on a regular basis inviting you to participate in partner rewards programs and bonus rewards purchases, as well as showing what can be bought for specific points balances. If you pay out your balance every month, this may just be the card for you. The interest rate is horrific! On a balance of $19,500 you'll pay a staggering $500 per month just in interest. If you are late with your monthly payment you'll get a reminder phone call from Malaysia or the Phillipines and then you'll be stepped up to a penalty interest rate. This penalty interest rate can only be reduced if you don't miss a payment deadline for a number of months (I think 6 months). If you ever need customer service, you never get an Australian call centre - there's always a delay during the conversation, and while they may speak english, their comprehension is very poor. If you ever try to negotiate, ask for mercy, or ask for assistance, you really are treated very poorly!

Excellent – The simple fact is that there is no other card like the American Express card. You recieve an un-paralled level of service that makes dealing with American Express a joy. The card is not accepted at all stores, but in reality - is it worth shopping anywhere that doesn't accept it? I have always been able to contact customer service if there has… Read more

been a minor issue say a card not swiping etc, and they process it manually over the phone. The bills are clear. simple and easy to understand. One of the biggest advantages of American Express is apparent when you travel. If you use an american express travel centre to book your next vacation every $1000 you spend - takes $100 off the total cost...so lets say your holiday costs $2500, you put it on your amex card and your holiday suddenly costs $2300! Also there are discounts on holiday insurance and you can transfer your rewards points onto your frequent flyer scheme (Qantas FF, Thai royal Orchid etc). So to finish - join and join now, you won't regret it. Great customer service, Accepted anywhere worth buying anything, Rewards Scheme unlike any other. Card wears out easily (replaced free of charge)

Good – overall quite satisfied with this card and had no major unhappy issues so far. looking forward to clock more points towards redeeming my first reward! no annual fee good customer service user friendly website signed up in a promotion and for a $250 westfields shopping voucher! not as widely accepted as visa and mastercard 3% fee charge for international purchases Show reply

Excellent – If you want a credit card, don;t want to be tied to your bank, and live in a metro area, the gold card is for you. If you spend above a certain amount AMEX will waive the annual fee, and even if you don't spend enough, they'll waive the fee if you ask nicely - which I have. There red hot on fraud protection too. They called me only hours after… Read more

detecting an unusual overseas transaction on my card, reversed all charges and forwarded a request for investigation to the federal police. Like I said, red hot.

The only down side is that if your in a regional area it's not accepted everywhere, and some places charge an arm and a leg for the privilege of using the AMEX.

Apart form that, a great card, and like they say, if you've got a gold card, you're having a good year. Excellent customer service.

Quick detection and resolution of credit card fraud.

Sky's the limit.

Classy. Not accepted every where.

Excellent – Very happy with this card and in particular when you are a victim of merchant error. Amex has all ways sorted out errors with the minimum of fuss needed from us. This is not a card if you roll over amounts month to month as the rate is crippling but given we pay off in full each month this is our card of choice. Good length interest free period. … Read more

Burden of proof that transaction occurred not on the card holder that it did not (unlike Visa).

Call centre located in Australia

Good rewards program. High interest rate if you do not pay it off each month. Not as widely accepted as Visa outside of USA.

No PIN for credit purchases yet.

Amex poor customer service and beware of multiple credit checks! – AMEX Australia do not seem to value loyalty and are extremely rude and refuse assistance for any request for any missed payment or payment arrangements due to circumstances beyond ones control. In a nutshell AMEX Australia dos not care about its customers and conducts credit checks on existing customers every month while other card companies… Read more

conduct one may be every 6 to 12 months.

So beware before becoming their customer or if you are already one!!

Disgusting customer service – Over 7 weeks ago I accidentally overpaid my Amex Gold card by almost $900. I have been waiting ever since for a refund and have called them more than once. I kept being told that it's being processed. THIS IS NOT OK!!!!!!

Free Credit Card, but limited use – Apesma offer AMEX Gold card with no fees. Overall it is exactly what I wanted, a card that costs nothing if you pay every month and is there when needed for things like hotels, travel and car hire. I avoid using it online unless I trust the website to avoid fraud. It is not accepted in most places in Australia and often the trader charges extra,… Read more

typically 2-3% and up to 4%, so we don't use it much and pay it off every month. Free, handy for hotels, car hire and travel. Not accepted at most shops, many that do charge extra 2-4% so not that useful.

unacceptable frequency of credit rating checks – Have been with american express for over 12 years and am deemed by american express as customer excellent credit rating. Following a recent request to view my credit rating found nearly 70% of of checks was made by american express not annually but monthly. Suggest all those with amex Cards ask for a copy of their credit rating as they may be… Read more

shocked to find it is filled up by AMEX Equiries monthly. not like other card issuers and banks being 6-12 monthly checks. be aware card usage was good excesive credit rating checks other card check every 6 months

Terrible – this was a bit of a waste of my time and after two or three months I decided to give up this card mostly because shop keepers and businesses really hated you to pay with an amex card and often either asked you for an alternative card or they said that they would charge you a high fee if you used it for your purchase it is a nice colour - good for… Read more

travel very few merchants were keen to take this card without charging you a premium for the cnvenience of using it - this card has a bad reputation among merchants.

Terrible – Know your rights first before you get one. Then ask yourself the question do I need an AMEX card. Do I mind paying more at the register, more interest. Also, is there travel service better that the rest? NAB & ST GEORGE PLATINUM Cards are good as well plus have local call centres if you have issues. Mind you if you really want an AMEX nothing I… Read more

or anyone else will talk you out of it. I was told and was caught. I should have listened. Thinking? Nope cant think of any Super High % and penalties. Call centres all are off shore, account disputes are not handled in accordance with the credit act. Need constant reminding of that fact! Hard to teach operators in India the Credit Act and there obligations

Bad – No issues for 15 years - i became 2 months overdue on payments due to illness. Tried explaining this to a string of people who had a poor grasp of english. In the end i was treated extremely rudely and my card was cancelled. Along with over 120 thousand loyalty points - which had long been paid for. Nasty way to treat loyal customers. Not very… Read more

much - well not anymore. Had an AMEX card for over 15 years - until i had financial issues a year or so ago.

Good – Generally a good card and good service behind it. But I would prefer if American Express would lower the charges for the business so that the cards reache a larger acceptance. This can sometimes be pretty annoying. The 55 days interest free, of course the reward points and a few other services like travel insurance when you buy the tickets with… Read more

the card. Very useful if you trade internationally. Not always accepted or sometimes with extra charges. Credit cards tend to be tempting because you are likely to spend more money than you actually have.

Good – All in all it works well and they offer 55 days of interest free which gives you time to pay for your purchases. It is not as attractive as other credit cards but it does what is needed and is accepted almost everywhere. It is well recognised and I trust American Express. It is simple to use and they are very punctual at helping you with anything… Read more

you need. They offer online internet banking free so it saves you a lot of time and money. There is an annual fee charged after the first free year which is a bit of a nuisance. It is also a shame that it is not an Australian reconised credit card.

OK – It has decent rewards as my st george visa (which we mostly use to keep track of business expenses) has no reward system. It is accepted by most bigger retailers but some are starting to charge a small % fee but not a problem yet. Amex really want your business so if you threaten to cancel your card because not widely accepted or whatever, they… Read more

will usually offer you a better deal (they offered me more points, some people its no annual fee). If you are disciplined with you spending and repayments then I recommend it as a good way to get rewards and any extra benefits they offer. Research carefully all that you are entitled to as an amex member. the rewards program. its why i have it. the customer service seems good. they offer extras like travel insurance annual fee. not widely accepted. must pay on time or $30 late fee plus interest.

Good – I have had this card for nearly 10 years and do not have any complaints. I pay it off each month so interest rates do not bother me. In addition to the rewards programme they have shopping partners for bonus points and deals on various insurance (home, car, personal), loans (home, car, personal), travel and the like. Will most likely cancel this… Read more

soon and stick with my linked CITIBANK VISA and DINERS cards as other better rewards and deal overall. cheap or low fees (on mine if $10,000 or more spent on card per year then there are no fees), 55 days interest free, rewards programme some stores do not take AMEX, not as convenient as VISA, high interest rate, my CITIBANK VISA has a better rewards programme.

Excellent – I had this for was free from fees. Not only that, I was also given a free travelling bag being a member. This was my first AMEX card and I used a lot at that time. The redemption program was good no doubt I have not claimed anything from them. They have a good call centre based in India whose staff are attentive and polite. When it comes to… Read more

activation of the card, it is as easy as "1 2 3" weith no hassle. Would definitely suggest this card to others Available for free and good redemption program high interest and not widely accepted.

OK – The only reason to have this card is because it is free, if you have a gold charge card. It is good as a "secondary" card, if you want to seperate some transactions, or provide a free secondary card for your other half. I get this card for free, because I have a Gold charge card. There is no reason having this card, if you already have a charge card. Does not give additional benefits.

OK – This is a great card whith a decent spend limit and is accepted in alot more places than it used to be. The points system is one of the best and easy to redeem and my reward was delivered quickly. The website is one of the better ones and shows due dates and payment amounts clearer than other cards. I would recomend getting one of these as well as… Read more

a mastercard or visa just in case they dont accept AMEX. Iam considering upgrading to the platinum card for better features. Good Styling

Great website

low annual fee Still not accepted in many places.

High interest rate.

Bad – Only kept it a few months as lots of business didnt except it and i need it for emergency which makes it not reliable 55 days interest free not accept in many places

Good – I like my Gold AMEX - easy to shop (when it accepted) and accumulate points, up to 55 days interest free gives me ability to pay the total amount without collecting interest. normaly use it as a back-up card. Looking great, NO annual fees, electronic access. not accepted in some places, higher fees.

Good – Generally very satisfied with Amex Gold card - use the points for flights only and have had very good service always. In 2004 my stepmother lay dying overseas and AMEX transferred our points to Qantas within hours and I was on a FREE flight 3 days later to Europe! Including free travel insurance! Excellent service. We also had an occasion where a… Read more

third person had run up over $600 in Japanese Yen playing online games. We knew nothing until we had a call from their Customer Service to alert us. We gave permission for the fraud squad to look into it and had every cent refunded. Amex Gold gets our vote! We've had our Amex cards over 8 years now. The main pluses are the 55 days interest free providing you pay in full each month, generous reward points and free travel insurance when you purchase your air tickets with Amex. Not accepted everywhere or in many cases, extra charges to use it. High annual fee, epsecially with my card linked! $130 + $90 annually!

Good – I used Amex Gold-card as my main credit card. It doesn’t charge annual fee and the reward point is fabulous ($50 Coles gift card for 6,750 points). My only issue is there are many vendors that still don’t accept Amex card. For example, AGL, Randwick city council & Sydney water only accept Visa or MasterCard. Therefore, I still need to apply a… Read more

MasterCard to complement my Amex card.

Amex allows online paperless statement through its website. The website itself is user-friendly but it doesn’t have BPay capability should you wish to pay bill directly from Amex website. Attractive reward points (equivalent to 0.74% of purchase). No annual fee (for some cardholders). Not as widely accepted as Visa or MasterCard. Relative high interest rate. Website has no BPay capability; cannot pay bill online through Amex website.

OK – I will keep this card as there are no fees and I pay it off in full each month. If you let them charge intersest it is currently about 19% (Jan 08). the card looks good and has great benefits in points scemes and travel insurance. but I've had to get a visa as well so that I don't get caught when the store/ resturant sayd no to Amex. cheap when… Read more

they offer it to you with no fees for life of card number places saying no to Amex card is on the increase

the ones that still accept it are even charge a premium

OK – Decent customer service and benefit of having a high credit limit when needed, but don't make this your everyday card because of the surcharges associated with its use and because if you fall behind in payments, the interest on this card will sting you! Great card to have for overseas travel (esp in the United States). High credit limits which… Read more

certainly CAN come in hand but also are a double edged sword in terms of spending more than you have or can afford. Too many merchants in Australia either don't accept American Express nowadays OR they charge you a premium of about 2.4% in order to use it. No matter how good the rewards are, it is not worth paying an extra 2.4% on your purchase because the return in terms of awards is only a fraction of that!

Good – I have had one of these cards for 3 years now and have been very impressed with the points program. They have specials where there are 10% discoutns on teh points required. Its always best to wait for these and get a bargin! I;ve foudn it is best to use the card for frequent flyer points, as conversion to frequent flyer points is very… Read more

attractive at the 1.5 for 1 rate. Staff are all in india it would seem, so get used to having to talk to people very slowly and deal with communication issues. This i think though is not just a problem with AMEX.

Overall a good card. though you need to be a big spender to redeem the costs of using the card. If you are, its the way to go i believe. excellent points program available.

interest rates not as offensive as some. not widely accepted.

high anual fee

OK – Overall, i think the points system should increase and should be more widely accepted, at one point i decided i would cancel the membership, but i later did not do so. A high point rewards program of 1.5 points per $1 spent, which is higher than most Credit card providers. This allows the user to be able to claim their prizes such as Airplane… Read more

tickets or other products in exchange for the points earned. It also gives the user a feeling that they are of higher socio economic status. This American Express credit card has a high yearly cost, higher than most of other credit cards. It is also not accepted everywhere because of its high charge on the companies so it can be very inconvenient at times.

Good – I think that the American Express Gold credit card should be rated as an average credit card. It has reasonable interest rates and a reasonable interest free period on purchases. The Gold class on the credit card means that you get a lot of extras that the normal class of American Express credit card does not have. The main problem with the… Read more

American Express Gold credit card is the same as any AMerican express credit card and that is that it is not always accepted, especially in other countries and in most smaller businesses. This credit card would be recommended to most people who can handle their money pretty well. Gold Not always accepted

Excellent – I hav been with AMex for years. They sometimes call to sell extra services, which is a bit annoying but they are very polite. Book your travel with Amex and you get free insurance. Great service from Amex Occasionally not accepted

Good – Really t5his card is ideal for people able to continually purchase and repay on the card to rack up the rewards that can be helpful. Personally wouldn't keep a debt on this card for over a month. Great rewards program, as mentioned above the 55 days interest fee would be great not only for low salary people (instead of getting a cash converters… Read more

loan) but for people in the Christmas rush. Quite high fees, it isn't so bad if you only use the card for the occasional big spend or emergency's and can quickly pay off, but some people who are dependant on a card will feel the strain.

Good – Overall i believe that this credit card would be a perfect option for people who spend money and can pay it off fast as the more you spend the more points you get which results in lots of good rewards. One of the first main pros that many people love to have is rewards. The American express gold card does come with rewards. If you spend a certain… Read more

amount of money with them your get points, these points add up over time and then you can choose your reward. An example of a reward is that you can get 55 days of interest free which would be a dream for people on a lower salary. A main con that many people hate is the fees. There are not too many fees associated on the plus side.