Are you tired of frequent flyer cards that are tied to a single airline’s frequent flyer programme? Do you wish you had more flexibility in earning your frequent flyer points? If so, you’ll probably appreciate the American Express Gold Ascent credit card. It lets you choose from seven different airlines that you can redeem your membership points with!

Find out more about the American Express Gold Ascent credit card below and discover one of the few no annual fee rewards cards around.

Type of Credit Card: Frequent flyer card / No annual fee credit card

Interest Rates*: The American Express Gold card has a 19.99% APR on purchases, but offers up to 44 interest free days, enabling you to avoid paying interest when you use your card (if you pay off the balance in full each month, and subject to other terms).

Annual Fee*: Unlike many rewards cards, the American Express Gold Ascent credit card is a no-fee credit card. You’re not charged for being enrolled in their frequent flyer programme, and you’ll even get a free additional card if you want to add another cardholder to your account.

If you choose the “boost my points” option, an $80 annual fee will apply.

Rewards / Extras*: There is a two-tier system for the card’s frequent flyer programme. Cardholders will earn one membership reward point for every $2 spent using their American Express Gold Ascent card. Those membership reward points can then be redeemed for frequent flyer points with seven different airlines, based on the following redemption terms:

You can redeem one membership reward point for one airline frequent flyer point with Singapore Airlines, Virgin Atlantic, or Virgin Blue.

You can choose to redeem four membership rewards points for three airline frequent flyer points if you fly Cathay Pacific, Malaysia Airlines, or Thai Airways.

You could also opt to redeem 100 membership rewards points for one Airpoints Dollar with the New Zealand Airpoints programme.

To redeem your points, you’ll have to be a member of a frequent flyer programme through one of the partner airlines. Membership in those programmes might involve a membership fee which is separate from any credit card fees.

Additional Details*: To be eligible for the American Express Gold Ascent credit card, you must have an annual income of at least $40,000.

Minimum points redemption amounts vary between airlines. You have to redeem at least 5000 points with Singapore Airlines, Cathay Pacific, and Thai Airways. You must redeem a minimum of 2000 points with the New Zealand Airpoints programme, the Velocity Rewards programme, or the Virgin Atlantic Flying Club. You can also choose to redeem at few as 500 member rewards points with Malaysia Airlines.

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* Interest rates, annual fees, and frequent flyer programme details were taken from the most accurate data available at the time of writing. All rates are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.

Credit Card Profile: American Express Gold Ascent Credit Card, 4.0 out of 5 based on 1 rating