Guide to your Nectar Credit Card from American Express Statement
Welcome to your guide
We've put this guide together to help you find any information you need about your Nectar Credit Card statement, at the click of a mouse.
Take a look opposite, and click on a 'Go' to get to the information you need.
Your minimum repayment
The minimum amount you need to pay each month
If you don’t want to pay your account balance in full, you can pay a bit of it, which must be no less than 10% of the balance. On your statement, this amount is shown as your ‘minimum repayment’.
Your statement clearly shows you the figure, and the date by which you need to pay it (usually about a month after the statement date).
How to make your payments
Choose the best way to pay
There are a number of ways you can settle your Card balance each month. The easiest is by Direct Debit (set one up now).
If you prefer, you can log in to Online Services from your PC or mobile and pay online with your debit card, as well as view your transactions, and manage your account whenever you like (if you haven’t already done so, register now).
Paying by bank giro is another option. Please write your account number on the front of your cheque and take it with your completed Payment Slip to your bank. Allow four working days for receipt of payment.
And if you would like to pay by cheque you can do so by writing your account number on the front of your cheque and making it payable to American Express Services Europe Limited. Please send your cheque to:
American Express Services Europe Ltd., Royal Avenue, Widnes, WA88 1AE
Please do not send any correspondence with your payments.
Set up a Direct Debit
Pay the easy way
Want to set up a Direct Debit now? Simply log in to Online Services and download the Direct Debit form, then post it back to us at:
American Express Services Europe Ltd, FREEPOST, PO Box 79, Brighton, BN1 1YZ
Or, if you prefer, you can call us using the number on the back of your Card, and we'll set up your Direct Debit with you over the phone. Once it’s set up, you’ll see it clearly marked on your statement.
Direct Debits can take a few weeks to activate, so please view your statement regularly.
Until your Direct Debit is up and running, please continue paying by your usual method.
View your transactions on your mobile
You can now view your transactions on your mobile. In addition, you can access the most important account information and management tools when you’re on the go – via a convenient website optimised for your mobile phone or as a downloadable app for iPhone and Android devices.
- See your latest transactions
- Pay your bill
- Access and manage your accounts
- View your Nectar points
Visit americanexpress.co.uk/mobile for more information on our mobile services.
You may also wish to register for our Alerts programme, to receive timely updates and reminders about your account – there’s a range to choose from. You can also choose when you’d like to receive your Alerts and whether you prefer SMS or email.
Visit americanexpress.co.uk/alerts for details.
How we calculate your Nectar points
The best part of your statement
You can see exactly how we’ve worked out your Nectar points by looking at the three boxes on the right of this page. You’ll also notice that the period your statement shows for the Nectar points you have earned differs from the period of the statement itself, as it takes time for this to show on the paper or PDF version of your statement.
Use your Nectar Card for everyday purchases like a trip to the supermarket or the petrol station, even for larger expenses such as travel, and you’ll earn your Nectar points even faster.
For tips on how to maximise your Nectar points, visit the Welcome Centre.
Understanding your credit summary
Please note the six-month rule
After you’ve been a Cardmember for six months, you can:
- Ask us to review your credit limit. If you want to increase it, please log in to Online Services and click on ‘Change your credit limit’, on the left of your ‘Account summary’ page.
- Request access to cash through American Express. To do this, please call the number on the back of your Card.
If you’re ever wondering what your credit and cash limits are, just take a look at your statement.
Need more help?
If you have any questions, or would like to change the date you receive your statement, please log in to Online Services to email us, or call the number on the back of your Card to speak to Customer Services.
Ready to go paperless?
To let us know, log in to Online Services, where you can change your preferences to
We'll send you a reminder just before your statement arrives with you, and keep your last 6 months' statements ready for you to view, or download, whenever you need to. All you need to do to view your statement is log in to Online Services when you get your reminder. Click here to register for Online Services if you haven't already.
American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.