What is a Credit Score?


Your credit score is one of your most important financial tools. Understanding your credit score can help you plan for the future and is a strong indicator of your likelihood of being approved for a credit card. This guide will help you understand your credit score, from how it’s calculated to some few simple ways to manage it and increase your borrowing options.

Credit Score explained

Choosing a Card to suit your needs

When you’re choosing a credit card it’s important to think of your spending habit:

 

Credit cards allow you to carry a balance from month to month, as long as regular minimum repayments are made on time. However, carrying a balance will mean you will pay interest charges on your spending.

 

Charge cards, on the other hand require you to pay the full balance every month.

 

Find out more about our selection of Credit Cards and discover the one that suits your financial needs.

 

Choose a Card Type

 


Frequently Asked Questions

Credit and Charge Cards Explained

 

Has talk of interest, annual fees, rates and percentages left you feeling confused?

 

Our simple Credit and Charge Card guides are a great place to start.

 

How to apply for a Card

 

What Card fees am I expected to pay

 

What is Card Interest

 

How to pay off your Card

 

What is Credit Limit

 

What is a Charge Card

 

Using your Card Abroad

 

Where is American Express accepted

 

How Credit Cards and Charge Cards work

 

 

American Express Benefits


FRAUD AND SHOPPING PROTECTION

Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your Card.



 

WORLD CLASS CUSTOMER SERVICE

Access to our customer service is available 24/7 by phone, text or email.




 

CONTACTLESS PAYMENTS

Contactless is the quick, easy and secure way to make payments - simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex Pay and Apple PayTM you can even pay with your phone.
 
 

 

Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.

Footnotes

 

®,™: Used by Amex Bank of Canada under license from American Express