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American Express cards come in two formats: those issued by American Express itself, and "companion cards", which are available from most major Australian banks.

With a companion card, you'll receive an American Express card and either a Visa or Mastercard as well.

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You can compare and apply for an American Express card online here.Annual fees for American Express cards vary depending on which card you choose to apply for. annual fee for the first year and will then charge you an annual fee thereafter.Details of your annual fee will be provided to you during the application process.In comparison, the average cost of accepting Visa or Mastercard if 0.83% and Diners is 2.16%.Some merchants don't want to pay these fees and hence won't accept the card, while others will charge a surcharge to use it.

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