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Shop with added confidence

While your Nectar points are coming along nicely, you can also take advantage of the other fantastic benefits that come as standard with the Nectar Credit Card. You can find out all about them here. Click on the tabs below to find out more.

Online or on the High Street

Purchase Protection 1
If an eligible purchase on your American Express Card is damaged or stolen within 90 days, call our Purchase Protection team and they'll arrange a repair or replacement for you up to £2,500 per eligible item or £20,000 in any 12 month period

Refund Protection 1
Should any UK retailer refuse you a refund on any eligible item which costs over £25 within 90 days of purchasing it on your American Express Card, we will refund you the full purchase price up to £200. It even covers sale items.

Online Fraud Guarantee
If something’s stolen from your account or you see a charge you don’t recognise, we’ll remove it and investigate. You can shop online knowing you’ll never be held responsible for any unauthorised online purchases.

Home or abroad

Travel Insurance2 – with this cover you could take one more thing on your travels: total peace of mind. So leave those worries at home and make more space for the memories.

Learn more

My Essentials - Gadget, mobile phone and personal possession insurance2
Imagine the situation - you drop your brand new mobile phone and smash the screen. Now imagine the relief when you realise that as a My Essentials member you're covered, for £12.99 per month, including residential family members.

Learn more

Identity Defence Platinum2 – concerned about identity theft? For £7.99 a month, Identity Defence Platinum helps you detect fraud and defend yourself.

Join now

Apply for Additional Cards for friends and family and you could collect Nectar points even faster. They’ll collect Nectar points virtually every time they spend on their Card, just like you do, but their points will be added to your account so how you spend them is up to you Subject to application and approval.

Emergency Card Replacement

If your Card is lost or stolen we'll issue a replacement to you as soon as we can - often within two working days. If you're in a remote area, arrangements can usually be made to have your Card waiting at some point along your route. Need a replacement Card? Call us on 0800 917 8047 or +44 (0)1273 696933.

24-hour customer service

For questions about your statement, Card benefits, offers and more, American Express customer service is always ready to assist you. We’re on call 24/7 and happy to help. Either call us on 0800 917 8047 or +44 (0)1273 696933 or drop us an email and we’ll get right back to you.

Get closer to the action

We deliver news of the latest gigs direct to your inbox.  And you can enjoy access to a wide range of sought after music, theatre, and film events, often before they go on general sale.  Welcome to American Express Invites3.

Treat yourself

Your Nectar points all add up to wonderful treats for you and your family. Take a look at thousands of treats from top brands at

Terms and Conditions

1. Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.

2. American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.

3. American Express Invites was formerly known as the Preferred Seating Programme. American Express Invites refers to the name of the American Express programme rather than a description of ticket type.