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American Express Airpoints Card: Free to Own, But Is It Worth It?
Zero annual fee and a tempting sign-up bonus make the American Express Airpoints Card attractive. But watch for the high APR and limited points earning.
The Quick Version
The American Express Airpoints Card offers a no-annual-fee entry into the world of travel rewards. You'll earn 1 Airpoints Dollar for every NZ$100 spent and enjoy a 50 Airpoints Dollar sign-up bonus. The downside? A steep 22.95% APR if you carry a balance.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
American Express Airpoints Card
Free to own, but the high APR could be a dealbreaker.
American Express Airpoints Card
Fees & Rates
Annual Fee: NZ$0
APR: 22.95% for purchases
Rewards Rate: 1 Airpoints Dollar per NZ$100 spent
Sign-Up Bonus: 50 Airpoints Dollars for new cardmembers
Foreign Transaction Fees: None
What's Actually Good
✅ No Annual Fee: Perfect for those who want rewards without the cost.
✅ Travel Perks: Earn Airpoints Dollars with every purchase, a boon for Air New Zealand travelers.
✅ 0% Intro APR: Enjoy 0% APR on purchases for the first 6 months.
The Catch
❌ High Regular APR: At 22.95%, carrying a balance becomes expensive.
❌ Rewards Rate: Earning 1 Airpoints Dollar per NZ$100 is modest compared to other travel cards.
This Card Is For You If...
If you're a frequent Air New Zealand flyer who pays off their balance monthly, this card's no-fee structure and travel rewards make it a solid choice. But if you tend to carry a balance or want faster rewards accumulation, look elsewhere.
The Bottom Line
The American Express Airpoints Card is ideal for disciplined spenders who value travel rewards without an annual fee. But, if you're not an Air New Zealand regular or if you carry a balance, the high APR could outweigh the benefits.
