This is a quick guide to show you how to apply for the American Express Essential Rewards credit card in just a few steps!
If you regularly spend across different categories like everyday shopping, dining, entertainment, and travel, this card could be perfect for you.
Plus, if you’re after top-notch benefits without having to deal with a complicated approval process, you might want to consider this option since you can apply online.
While this card offers fantastic perks, the application requirements are pretty straightforward.
Next up, here’s what you’ll need to have ready to give your application the best chance of success:
Who Can Apply?
- Minimum Age: Applicants need to be 18 years or older.
- Residency Status: You must be an Australian citizen, permanent resident, or hold a long-term visa.
- Debt-free History: It’s important that you don’t have any record of defaults.
How to Apply for the American Express Essential Rewards Credit Card: Essential documents
- ID: Australian driver’s licence number (if you have one, this makes things easier), passport, or Medicare card.
- Financial Details: Provide your income, expenses, and debts.
- Proof of Income: This can be a payslip or another document that confirms your earnings.
- Lastly, confirm that you consent to a credit check as part of the application process.
American Express Essential Rewards Credit Card Limit
Your available credit limit will depend on your financial situation. In other words, factors like income, repayment capacity, and credit score will determine your limit.
So, there’s no fixed limit because you’ll receive an offer that’s tailored to your profile.
Security of Online Application
Rest assured that when you enter your personal information on the American Express website, it’s stored securely. The company uses advanced technology and strict practices to ensure that your information is processed quickly, accurately, and safely.
How Long Does the Approval Process Take?
Once you’ve submitted your application, you’ll receive a decision by mail within 5 to 10 business days. However, the application process itself is pretty quick and can be completed in just a few minutes.
How to Apply for the American Express Essential Rewards Credit Card
- Enter your personal and contact details. Choose your best email address and provide your phone number.
- Select which document you want to use for identity verification.
- To complete the first step, enter your income and whether you have any extra sources of earnings.
- Tap “Continue to finances.”
- In this stage, share details about your occupation, any other debts, and regular expenses.
- Finally, review all the information and submit the requested documents.
- Wait for the response, which will come via email or SMS.
Helpful Contacts
You can use the live chat in the American Express app if you have any questions about the application, activation, or unlocking your card.
First, register, then log in to access support.
For travel-related queries, you’ll need to call 1300 132 639 or 1300 303 877, as these cannot be handled via chat. You can also use these numbers if you prefer not to use the chat feature.