Credit Card Interest Rate and APR

APR and Interest Rates can be confusing. If you’re not sure how these work, this handy guide will help you understand everything you need to know.

Credit Card Interest Explained

What exactly is a ‘Credit Card minimum repayment’?


Minimum Amount Due is the minimum amount that you need to pay to your credit card issuer by the payment due date to keep your account regular and avoid incurring any late payment fees and/or adversely impacting your credit score.

Useful terms

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 Credit Cards and Charge Cards work


What is Credit Limit


Earning Loyalty Points


Earn Air Miles


What is a Charge Card


What Card fees am I expected to pay


How to choose a type of Card



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.



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



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.