American Express Gold Ascent Credit Card

American Express Gold Ascent Credit Card - Points For Singapore Airlines, Virgin Australia & More
  • Annual Fee
  • Balance Transfer Period
  • Balance Transfer Rate
  • Cash Advance Rate
  • Duplicate Statement Fee
  • Frequent Flyer Points
  • Interest Charged From
  • Interest Free Period
  • Intro Purchase Period
  • Intro Purchase Rate
  • Late Payment Fee
  • Maximum Credit Limit
  • Minimum Age
  • Minimum Credit Limit
  • Minimum Income
  • Minimum Repayment
  • Over Limit Fee
  • Overseas ATM Balance Fee
  • Overseas ATM Withdrawl Fee
  • Overseas Emergency Card Replacement Fee
  • Purchase Rate
  • Reward Points
  • Rewards Program
  • Transaction Verification Fee
  • $0 p.a.
  • -
  • -
  • -
  • $7
  • $2 = 1 Membership Rewards point
  • Purchase date
  • Up to 44 days
  • 6 months
  • 0% p.a.
  • $6
  • $25,000
  • 18 years old
  • $2,000
  • $40,000
  • 2.50%
  • $15
  • $2.50
  • $2.50
  • $0
  • 20.74% p.a.
  • $2 = 1 Membership Rewards point
  • Membership Rewards Ascent
  • $7

make your secure online application on the bank's website

The Important Stuff

  • Access hundreds of destinations with our 7 airline rewards partner programs and travel agency partners. Fly with Singapore Airlines, Virgin Atlantic & Virgin Blue, Cathay Pacific, Malaysia Airlines, Thai Airways & Air New Zealand.
  • Enjoy complimentary enrollment in Membership Rewards Ascent.
  • $2 spent = 1 Membership Rewards point
  • No points capping or expiry.
  • Book any travel through our travel agency partners.
  • 24/7 online account access with paperless account statements.
  • Online Fraud Protection Guarantee.
  • No extra annual fee for a supplementary card.
  • Up to 44 Interest free days.
  • Introductory interest rate of 0% p.a. on purchases for the first six months. Reverts to 20.74% p.a. there after.
  • Apply now

In Depth Review

Bet you’re thinking there is no way you can afford an Amex Gold Card, right? Guess what? It’s free. Yes, that’s right the American Express Gold Ascent Card comes with an annual fee cost of $0 p.a..

Yay!

??The card is designed to get you enjoying your rewards quicker. It is calculated so that you need fewer credit card points than most to redeem a flight. Get 1 Ascent reward point for every $2 you spend. But here’s where it gets good: not only can you redeem your points on 7 major airlines, but those airlines are partnered with 57 other airlines where you can also use your points! And certain airlines give you great advantages when it comes to spending your points, such as Air New Zealand who give you 100 membership rewards points for every 1 Ascent point you redeem (versus just one with Singapore Airlines or Virgin Altantic/Virgin Australia).

Boo!

With no annual fee, there’s not a lot to carp about this card. The purchase rate of 20.74% p.a. and up to 44 days interest free are both pretty standard. You do have to earn over $40,000 to be eligible.

In the end…

This is a pretty sweet deal really – it doesn’t cost you anything and you could rather quickly amass a good stock of Ascent miles to use on travel or other merchandise. If you take advantage of the free additional card holder, you could get miles twice as quickly.