How to earn more points on fuel and groceries with an Amex card
Explore American Express cards that offer higher rates of points per $1 spent at supermarkets and petrol stations.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.
But American Express also has specific definitions of which retailers will earn the higher rate of points per $1 spent. Use this guide to find out what’s defined as a major supermarket or petrol station so that you can make the most of an American Express card that offers a tiered point structure.
Which American Express credit cards earn more points for supermarket and petrol station spending?
American Express offers three personal credit cards that earn more points per $1 spent at major supermarkets and petrol stations. You can use the table below to compare these cards based on the earn rates and annual fee:
|Card||Reward program||Points per $1||Annual fee|
|American Express Platinum Edge||Membership Rewards||$195|
|David Jones American Express||Membership Rewards||$99|
|David Jones American Express Platinum||Membership Rewards||$295|
What does American Express define as a “major supermarket”?
If you have one of these Amex cards, you are able to earn the higher point rate for supermarket spending at Coles and Woolworths, as well as at the following participating retailers:
- Food For Less
- Fresh Provisions
- Harris Farm Markets
- Macro Wholefoods
- Thomas Dux
Note that exceptions may apply if an individual store does not accept American Express as a form of payment.
Earning more points at major supermarkets
To give you an idea of the potential benefits of this point offer, let’s say you have the American Express Platinum Edge and spend $200 per week at the following supermarkets:
- Woolworths: $150
- Foodworks: $50
This card earns 3 points per $1 at major supermarkets, so you would earn 450 points for your spending at Woolworths. As Foodworks is not included in the list of eligible supermarkets outlined by American Express, you would only be able to earn 1 point per $1 for spending there, bringing your weekly total point earnings to 500.
Based on these details, you could earn an additional 100 points per week if you decided to switch to shopping only at Woolworths. Over a year, that would add up to an extra 1,200 points. However, you may want to consider other factors – such as the price of specific products – before choosing to only shop at “major supermarkets”.
What does American Express define as a “major petrol station”?
This definition includes participating BP, Shell and 7-Eleven service stations, as well as the following:
- Mobil (only listed for David Jones American Express cards)
- Safeway Petrol
- Woolworths Petrol
As with the “major supermarkets” list, there may be exceptions for any individual petrol stations that do not accept American Express cards and transactions are only eligible for additional points if they are made in Australia.
What else do I need to know about earning points at these businesses?
Keep the following details in mind to help you make the most of this feature:
- Point allocation. It usually takes 24–48 hours for points to show up in your Membership Rewards account.
- Cash advances. If you use your American Express card to get cash out, pay for gift cards, prepaid cards or any other transaction defined as a cash advance, you won’t earn points on this part of the transaction. So, for example, if you spent $100 on shopping at Coles and requested $50 cash out, you’d only earn points on the $100 worth of shopping. A cash advance fee and the cash advance interest rate would also apply to the cash out amount.
- Surcharges. Some businesses may apply a surcharge when accepting payments made with an American Express credit card. This is usually worth 2–3% of the total purchase amount, so you may want to factor that in before deciding how you pay for purchases. Note that there is no surcharge at many major retailers, including Coles and Woolworths supermarkets.
These American Express credit cards give you a way to earn more points for two major everyday expenses. So, now that you know what major supermarkets and petrol stations have a higher earn rate, you can maximise your rewards based on how and where you use your card.
Pictures: ShutterstockBack to top
Compare supermarket and petrol credit cards
More guides on Finder
Financial Fitness Challenge Week 3: How to get the most out of a credit card
How to cut debt and make your credit card work for you.
Diners Club Business Card
The Diners Club Business Card can be used to earn points per $1 with over 35 million merchants – including Officeworks, Qantas and Woolworths.
Frequent Flyer Diners Club card
Diners Club isn’t as widely accepted as other cards, but you can still earn 1 Qantas Point per $1 at major retailers with this card.
Earn double Velocity Points on Virgin Australia flights
Book flights through to August 2021 and earn 10 Velocity Points per $1 spent.
Credit cards vs buy now pay later
Both buy now pay later plans and credit cards give you ways to pay off purchases over time – here's how they compare.
The best PlayStation 4 games of all time
Buying a PlayStation 5 at launch? Here are 12 classic PlayStation 4 games that you definitely need to keep in your collection.
How to meet credit card bonus point spending requirements
With most credit card bonus point offers including a minimum spending requirement, here’s what you need to know to meet it and maximise your rewards.
Best frequent flyer and rewards credit cards June 2020
Imagine what you could do with up to 200,000 bonus points on one of these credit cards.
American Express Qantas Corporate Platinum Card
This charge card offers expense management tools and is linked to both Qantas Business Rewards and Membership Rewards.
Best frequent flyer and rewards credit cards May 2020
Treat yourself with one of these credit cards offering up to 200,000 bonus points and competitive earn rates for your everyday spending.
Ask an Expert
Credit Cards Comparison
* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.