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How Credit Cards and Charge Cards work

How Credit Cards and Charge Cards work

American Express offers you a wide range of Credit and Charge Card options that are designed to complement your lifestyle and preferences. On this page, you’ll find all the information and advice that you would require to make an informed decision while applying for a Card of your choice.

Getting your Card

Applying for an American Express Card is easy. Simply use our guide to know more about Credit and Charge Cards, and then apply for a Card of your choice online. We will respond to your online application on priority – in fact you could receive our response in under 60 seconds.

Credit Cards vs Charge Cards
Fees and Charges
How to apply for a Card


Using your Card

An American Express Card is a convenient way to pay for your purchases at millions of merchants worldwide. Our guide to interest rates and credit limits will help you make the most of your Card as you use it for shopping, dining, travel and more. Additionally, earn Membership Rewards Points / PAYBACK Points / JPMiles on using your Card, except for spends at Fuel, Utilities, Insurance and Cash Transactions1.

Interest Rates
Credit Card Limits
Earning Loyalty Points
Earning Miles

Earn Membership Rewards® Points

American Express offers you a suite of Cards with a host of benefits and privileges to suit your lifestyle. So, whether you are a frequent traveller or someone who simply enjoys shopping, there is a Card for every need. From complimentary travel, access to VIP airport lounges, membership to exclusive frequent flyers programme and earning rewards/miles from your day-to-day spending, we are here to help you make the right choice.

Learn more

Premium Cards

Looking for something special? Then consider one of our Premium Cards to experience a level of membership that complements and enhances your lifestyle.

Some of our Featured Cards

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.

What is Card Interest

Learn More

How Credit Cards and Charge Cards work

Learn More

What is Credit Limit

Learn More

Earning Loyalty Points

Learn More

Earn Air Miles

Learn More

What is a Charge Card

Learn More

What Card fees am I expected to pay

Learn More

How to choose a type of Card

Learn More

American Express Benefits


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

Learn More about Fraud Protection


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

Learn More about Customer Service


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.

Learn more about Contactless Payments

Explore Our Credit Cards

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