See how to request the American Express Low Rate Credit Card 

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See how to request the American Express Low Rate Credit Card 

American Express Low Rate Credit Card 

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5 /5
Rates & Fees
Find out how to get Go to the official website
  • Annual Fee

    $0 Interest Rate

  • Interest Rate

    8.99% p.a. on purchases.

Product Details

The American Express Low Rate Credit Card offers a purchase interest rate of 8.99% p.a. and an annual fee of $39. It features up to 55 days interest-free on purchases. Cardholders also benefit from American Express offers and access to Amex Experiences.

Our take

The American Express Low Rate Credit Card is attractive for its very low-interest rate and reasonable annual fee. The additional benefits from Amex offers and experiences add value beyond just the low rate. It’s an excellent option for those looking to minimize interest costs while enjoying extra perks.

Looking for the perfect credit card is not easy, but ever since you stumbled upon this card, you are probably really interested in it. Which is why we want to tell you how you can apply for it and enjoy all the benefits. So if you are interested, keep reading down below because we are going to start now. 

What are the requirements needed to apply? 

There are so many things that you can learn to make the application process way easier and faster. One of the things that we’re going to help you with is the requirements. Not everyone might know them, and they’re learning them right now. It’s going to make it easier for you to choose the right credit card. Let’s take a look at them below to see which ones they are. 

  • Have no history of bad debt or payment default 
  • Be aged 18 years or over 
  • Be an Australian citizen, permanent resident or hold a long term visa 
  • Agree to a credit check as part of your application 

What documents are needed to request the American Express Low Rate Credit Card 

Let’s take a look at what documents you’re going to need. 

  • Australian Driver’s License number (if you have one) 
  • Details of your income, expenses, and debts 
  • Proof of income (e.g. payslips) 

What are the biggest uses of this credit card? 

Let’s see what are the biggest uses for the card. 

Low interest rate 

And now, of course, we’re going to take a look at the most used assets from this credit card. And of course, first place is going to be the low interest rate. Having a low interest rate is. Very important for people who actually make a lot of purchases with credit cards. 

And then finding a card that actually has a. Really. Great, while having no annual fee is going to be one of the best things they can see and if you are some of those people that actually enjoys having a low. Great, then you’re going to really like this. 

Purchases 

We said in the first part that this credit card does not have a specific use, and we actually use the example of purchases. Although one of the main benefits of this credit card is not about purchases and this is a more free credit card, it doesn’t mean that you’re not going to get anything from it. 

We can talk a bit more about purchases when we are taking a look at the credit limit of the card. You will actually get a really high credit limit at the minimum that you can get, which makes it a really huge advantage when you are trying to buy something. 

Share with others 

Everyone likes to share, or at least lots of people like to share. And if you are one of those people that likes to share, but you want to have a little bit more of control of what you’re actually sharing than sharing your credit card with others is going to be amazing. 

But don’t worry, you’re not going to be sharing with random people or giving all your account details to others. It’s just you can apply for a second cardholder in order to share what you actually do with the credit card. Maybe you can teach your kids some financial independence by giving them an amount of money every month and putting on the credit card so they can use it. 

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Protection 

If you have a credit card, one of the most important things that you’re going to have and want is protection. No one likes to apply for a card from a shady company that doesn’t really have a lot of messages and clients. 

Which is why we are here to tell you that this card has all the protection in it. It has fraud protection. You don’t need to worry about anyone entering into your bank account because the company will help you all the way if anything like that happens. 

Our advice for those who are going to apply for the American Express Low Rate Credit Card  

Now, we have mentioned that the credit limit of this credit card is a minimum of $2000. That can be low for some people that are used to having a higher lifestyle. But you if you are someone that has a lower lifestyle, and you are certain you will get this card with a huge credit limit, you might get out of control. 

It starts something simple. You buy this, you buy that, and when you see you’re already bought everything that you can, and now you have to repay it, that’s something that you cannot forget. Whatever you use on the credit card, you need to repay it later. 

And that is just what we want to tell you. It’s important for you to take responsibility for your actions and our advice today is for you to do exactly that. And because we don’t want you to see suffering with the card, think twice before spending money with it. 

Weighing advantages and disadvantages – Is it worth it? 

Now, should you apply for the card? We’re going to be honest. We believe that you should, but only if you are looking for something more simple. It’s no surprise that this credit card is not something that juries that you’re going to use to go to big parties and travel a lot. 

Which means that if you apply for it expecting that, you’re going to be disappointed. But if you’re looking just for a credit card to have your back whenever you need, then I’m sure you’re going to love this one. With the low rates, no annual fees, it’s just perfect. And even with the small disadvantages that it has, it’s still worth it. 

Request your American Express Low Rate Credit Card on the official website once and for all! 

Requesting your credit card was never as easy as it is with us. Technically not with us, but with the link down below. If you click down below, you are going to be redirected immediately to the application page of the credit card. 

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