Return Bridges is an independent comparison site. We may earn a commission when you click through.
American Express Airpoints Card: No Fee, But Is It Worth It?
The American Express Airpoints Card stands out with zero annual fees and a tempting travel rewards scheme. But does it offer enough value compared to other travel cards?
The Quick Version
The American Express Airpoints Card offers a no-annual-fee entry into the world of travel rewards. You earn 1 Airpoints Dollar for every NZ$100 spent and enjoy a 0% introductory APR on purchases for the first six months. But if you carry a balance, watch out for the steep 22.95% APR thereafter.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
American Express Airpoints Card
The American Express Airpoints Card offers no annual fee and travel rewards.
American Express Airpoints Card
Fees & Rates
According to American Express's official page, this card has no annual fee and offers a 0% APR on purchases for the first six months. Post-introductory APR is 22.95%, which is on the higher side for those who might carry a balance. The sign-up bonus of 50 Airpoints Dollars for new card members sweetens the deal.
What's Actually Good
The standout feature here is the zero annual fee, a rarity among travel cards. Plus, the earning rate of 1 Airpoints Dollar per NZ$100 spent is appealing for frequent Air New Zealand flyers. The initial 0% APR on purchases is a nice buffer for newcomers.
The Catch
The big downside? That 22.95% APR post-intro period is harsh if you don’t pay off your balance. Also, the rewards are tightly linked to Air New Zealand, making it less flexible for those who prefer a broader range of travel options.
This Card Is For You If...
This card is ideal for frequent Air New Zealand travelers who value a no-fee structure and can pay off their balance monthly. If you're someone who doesn't carry a balance and travels within New Zealand often, this could be your match.
The Bottom Line
For Air New Zealand loyalists who don't want to pay an annual fee, this card offers decent rewards. But if you carry a balance or prefer more flexible travel options, you might want to look elsewhere.