The American Express Essential® Credit Card Value & Points Calculator

The American Express Essential® Credit Card

The American Express Essential® Credit Card is a no-annual fee card that earns up to 1.25X points on everyday purchases. The card offers and handful of insurance coverage including card purchase cover, card refund cover, and buyer's advantage cover.

Rewards Rates

1.25X
Earn 1.25 points per $1 spent on all purchases (excluding government bodies in Australia).
1X
Earn 1 point per $1 spent on purchases at government bodies in Australia.

Key Cardholder Benefits

  • Transfer points to a choice of 8 airline partner programs.
  • Cover up to $500 for repairs to your smartphone when you pay for your phone outright or monthly bill with the card.
  • Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee
  • Be protected with shopping coverage.

Rewards Value

Redemption Options Redemption Value (in cents)
Transfer To Partners 1
AMEX Travel, Webjet, Helloworld 0.5
Gift Cards 0.5
Ticketmaster, David Jones 0.5
Use Points For Purchases 0.5

AMEX points are worth 0.5 cents each on average for most redemptions made through American Express. You can obtain higher value by transferring points to AMEX's airline and hotel partners.

Transfer Partners

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Annual Fees

The American Express Essential Credit Card has no annual fee. You can add up to 4 additional cardholders for no extra fee as well.

AMEX Points Calculator

Use the rewards calculator to calculate AMEX points and the overall card value per $1 spent for the American Express Essential Credit Card. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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