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Your American Express®
Credit Card explained

From the expected, to the unexpected, your American Express Credit Card provides you with flexibility to pay in full or spread the cost of purchases over time.

 

This page will help you understand your Credit Card and how to make the most of it to suit your needs.


Your Card is designed to help you plan ahead when making purchases both big and small, safe in the knowledge that you can pay all or part of your balance later.

Interest free period on purchases

 

Whatever you’re looking to purchase, when paying using your American Express Credit Card you can enjoy up to 56 days interest free period on purchases when you pay in full and on time.

 

How does it work?

 

Purchase any item the day after your statement date and you could enjoy up to 56 days interest free period.3 The example timeline below shows how the interest free period works.

Payment
Payment

How can I pay my balance?

 

When your statement is produced you have the following payment options:

 

  • Minimum amount due on your Credit Card, (this is typically a small percentage of your balance plus any interest and fees, but can vary by product so check your minimum due on your statement by logging in here)
  • Full statement balance
  • An amount of your choice between the minimum amount due and full statement balance

Ways of making a payment towards your Account balance

If you have an Online Account or the Amex App, you can pay your balance at any time using these services. You can pay your Account balance through your Online Account or Amex App. You do not need to wait for your statement to make a payment, you can pay all or some of your balance at any point.

Direct Debit

An alternate way to pay is through setting up a Direct Debit to collect any of the following each month:

 

  • Minimum amount due on your Credit Card
  • Fixed amount
  • Full statement balance

You can set up a Direct Debit by logging in here, then going to ‘Payments’ followed by ‘Direct Debit’.

 

If you have a Direct Debit in place for less than the full amount, you can make a manual payment up to your full balance if you want to.

Pay with Bank Transfer:
 

Eligible Cardmembers can also pay via bank transfer in just a few quick steps in the Amex App – the easiest and most secure way to pay via bank transfer.

Our different payment options are designed to give you flexibility, when you need it. Find out how to pay using these methods here.


WE’RE HERE FOR YOU

 

We have a range of options to manage your Account:

Online Services

 

Where you can clearly see details of your
recent purchases, make payments or access
Amex Offers and save them to your Card

The American Express® App

 

Where you can view the same
information on the move and chat with
us anytime through the Chat function

Customer Services

 

Where you can speak to one of our Customer Care Professionals who will be able to assist you with
any question you may have about your Account

Alerts

STAY UP-TO-DATE. TURN ON ALERTS.

 

Take control by setting up alerts to notify you about your Account:

  You’ve spent a certain amount in a month

  You are within a certain amount of your credit limit

  A weekly balance update

  You have a payment due

  We have received your payment

You can enrol for these by either logging in to your Online Account here, in the Amex App, or by speaking with one of our Customer Care Professionals by calling the number on the back of your Card.

 

STAY UP-TO-DATE. TURN ON ALERTS.

 

Take control by setting up alerts to notify you about your Account:


You’ve spent a certain amount in a month


You are within a certain amount of your credit limit


A weekly balance update


You have a payment due


We have received your payment

You can enrol for these by either logging in to your Online Account here, in the Amex App, or by speaking with one of our Customer Care Professionals by calling the number on the back of your Card.

 

Add a Cardmember
Share your benefits
Share the benefits by applying for Supplementary Cards for your family or friends. You'll earn rewards on your Account as they spend, and they can enjoy many of the same great Card benefits and protections that you do.*
Not yet a Cardmember?
Why not check out the different Credit Cards in which you can apply for, to help not only give you financial flexibility but also reward you at the same time too!
Refer a friend
Refer a friend and earn up to 90,000 bonus points or £150 cashback (Cashback Cardmembers only) annually, if they are approved.**