American Express Charge Cards offer you:
- A welcome bonus of Membership Rewards points to get you started
- The ability to earn points on virtually all your spend
- Purchase protection
- Online fraud guarantee
- Exclusive travel benefits such as worldwide comprehensive travel insurance Complimentary membership in the elite tiers of our partner programmes, such as Starwood Preferred Guest Gold and Hertz #1 Gold Club
- Special discounts, offers, upgrades and privileges when you travel, such as access to Airport VIP lounges
- 24/7 customer service, which may include our concierge and travel services
- Preferred Seating from American Express.
The range of protection and benefits varies from Card to Card so compare them to see which suits you best. Simply browse the list of Cards in the menu to the left, or use the 'Compare these Cards' button near the top of this page to review all our Charge Cards at the same time.
24/7 Customer Service
Whenever you need us, wherever you are, our team of Customer Care Professionals are available 24/7 by phone, text, email or mail. No matter where you are in the world, our Global Assist® team will provide the help you need in your own language, around the clock.
Card security and protection
If things should go wrong, we'll soon put them right. All American Express Cards feature Chip and PIN technology and all transactions are processed through our own secure system to minimise the risk of fraud, whether you use your Card at home or abroad. Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.
For added protection, selected American Express Charge Cards also offer Refund Protection on eligible items bought in the UK. That means if a retailer refuses to give you your money back, we'll refund the purchase price on eligible items purchased on your Card. Then there's our valuable Purchase Protection which means if you bought an eligible item on your Card and it's stolen or damaged within 90 days, we'll replace or repair it, or give you a refund.
Accepted around the world
Wherever your travels take you, you can take your American Express Charge Card with you. Even better, the Preferred Rewards Gold Card allows you to earn double Membership Rewards points on all your overseas spend.
Your spend abroad is converted to pounds sterling as soon as we process the transaction, based on the American Express exchange rate which is set daily. If your transaction is in US dollars, the amount will be converted directly to pounds sterling. If it's in another currency, it's converted to US dollars and then to pounds sterling. Of course, your monthly bill is paid in pounds sterling.
Manage your account online or on your mobile
We put you firmly in control when it comes to managing your Account. Register online and you can view and manage your account anytime of the day or night, virtually anywhere in the world – either online or on your mobile. View your current balance, have updates sent to your phone, pay your bills easily, and manage your rewards points.
