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From your everyday supermarket shopping, to your next relaxing getaway, your Credit Card provides you with peace of mind knowing that you can pay all or just part of your statement balance, helping you spread the cost over time.1
If you're an active American Express Credit Cardmember, when your statement is produced you have the following payment options:
If you have an Online Account, you can log in to pay your balance, or alternatively, you can set up an Online Account where you'll be able to pay your balance. You do not need to wait for your statement to make a payment, you can pay all or some of your outstanding balance at any point.
An alternate way to pay is through setting up a Direct Debit to collect any of the following each month:
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.
Your statement is produced monthly, which is made up of the purchases you have made since you received your last statement. If this is your first statement, it will have all the purchases you have made since opening your Account.
Our different payment options are designed to give you flexibility, when you need it.
Everyone wants to stay on top of their finances, so we have a range of options to manage your Account. From our Online Services where you can clearly see details of your recent purchases, save offers to your Card and make payments; to the Amex App where you can view the same information on the move; to our 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.
What's more, we have a range of alerts you can enrol for to notify you when:
You can enrol for these by either logging in to your Online Account here, or by speaking with one of our Customer Care Professionals by calling the number on the back of your Card.
1. Interest on all balances that result from purchases (including associated fees, such as non-sterling Transaction fees), interest charges and service charges (such as the copy statement fee), is charged at the per annum rate found in your Terms and Conditions (variable) if the statement balance is not paid in full, as per your Credit Card agreement. Cash advances, balance transfers, and the interest charged on those non-purchase balances do not accrue interest at the standard. If you do not pay your balance in full you may incur interest on your outstanding balance. You will still be required to pay your minimum due payments. If you only make minimum payments, it will take you longer and may cost you more to clear the outstanding balance.
2. See app store listings for operating system information.
* Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. Annual fee may apply.
** For full Terms and Conditions on referring a friend, click here.
The Standards of Lending Practice
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
The Statement of Lender and Borrower Responsibilities details the fundamental responsibilities and obligations we have to our Cardmembers and outlines what we expect of you in return. The Statement of Lender and Borrower Responsibilities can be viewed at www.americanexpress.com/uk/disclosure.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Copyright© 2019. American Express Company. All Rights Reserved.
On all credit cards, if you are to pay less than the full amount on your monthly statement then you will have interest applied to the amount on your Account on a monthly basis. Here we will explain, in simple terms when you will be charged interest and how this is calculated.
Simply put, if you pay less than your full balance by your payment due date, interest will be applied to the amount on your Account until the balance is paid in full.1
If you are to make a cash withdrawal (also known as Cash Advances), interest is applied slightly differently. Interest is applied from the date of the transaction, up until the date it is paid in full. Interest will still be applied to your Account even if you pay your balance in full for Cash Advances.
You can see your monthly interest rates at the top of your monthly statement. Additionally, you will see an estimation of the interest which will be applied to your Account, assuming you only pay the minimum amount due. You can view your statement through your Online Account, alternatively, this is also posted to you if you are enrolled for paper statements.
Depending on how you use your Card, interest can be applied differently:
1. Interest on all balances that result from purchases (including associated fees, such as non-sterling Transaction fees), interest charges and service charges (such as the copy statement fee), is charged at the per annum rate found in your Terms and Conditions (variable) if the statement balance is not paid in full, as per your Credit Card agreement. Cash advances, balance transfers, and the interest charged on those non-purchase balances do not accrue interest at the standard. If you do not pay your balance in full you may incur interest on your outstanding balance. You will still be required to pay your minimum due payments. If you only make minimum payments, it will take you longer and may cost you more to clear the outstanding balance.
2. See app store listings for operating system information.
* Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. Annual fee may apply.
** For full Terms and Conditions on referring a friend, click here.
The Standards of Lending Practice
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
The Statement of Lender and Borrower Responsibilities details the fundamental responsibilities and obligations we have to our Cardmembers and outlines what we expect of you in return. The Statement of Lender and Borrower Responsibilities can be viewed at www.americanexpress.com/uk/disclosure.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Copyright© 2019. American Express Company. All Rights Reserved.
Here are a number of ways you can manage your Account, from on the move through the American Express App, to our Customer Service team who are available 24/7.
Our Online Account service helps you to manage your finances to best suit you. You can see recent purchases you have made, pending transactions before they are charged to your Card, save offers to your Card, view your statements and download past statements, set up a Direct Debit, alerts, along with making payments.
If you are yet to have an Online Account, you can set this up by clicking here.
With the same features as our Online Services but in a concised version, the Amex App is another great way we help you to manage your finances when you're on the move. Learn more2
Should you have a question about your Account and you are unable to find the answer online, we have a dedicated Customer Services Team who are on hand 24/7 to help assist you.
You can call the team on 0800 917 8047.
1. Interest on all balances that result from purchases (including associated fees, such as non-sterling Transaction fees), interest charges and service charges (such as the copy statement fee), is charged at the per annum rate found in your Terms and Conditions (variable) if the statement balance is not paid in full, as per your Credit Card agreement. Cash advances, balance transfers, and the interest charged on those non-purchase balances do not accrue interest at the standard. If you do not pay your balance in full you may incur interest on your outstanding balance. You will still be required to pay your minimum due payments. If you only make minimum payments, it will take you longer and may cost you more to clear the outstanding balance.
2. See app store listings for operating system information.
* Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. Annual fee may apply.
** For full Terms and Conditions on referring a friend, click here.
The Standards of Lending Practice
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
The Statement of Lender and Borrower Responsibilities details the fundamental responsibilities and obligations we have to our Cardmembers and outlines what we expect of you in return. The Statement of Lender and Borrower Responsibilities can be viewed at www.americanexpress.com/uk/disclosure.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Copyright© 2019. American Express Company. All Rights Reserved.
We work out your annual interest rate by adding your personal rate to the Bank of England base rate. We call this your ‘simple’ rate. This is the rate you’ll pay on all balances on your Card, except for cash withdrawals or any other cash transactions you make. These have a different interest rate, which is also linked to the Bank of England Base Rate.
We convert your annual simple rate into a daily rate by dividing it by the number of days in a year (365). We then apply the daily rate and add it to the amount you owe each day.
If you pay off your balance in full each month, you won’t pay any interest. You also won’t pay interest on any late payment, returned payment or over limit fees we add to your balance.
Bank of England Base Rate tracking will be effective as of your Statement on or after October 1st 2019
We charge interest from the date an amount (e.g. a purchase) is charged to your Account until it is paid in full.
Interest is calculated each day on any outstanding balance until a payment is made to clear the outstanding balance in full. There are two exceptions to
this.
We don’t charge interest:
Bank of England Base Rate tracking will be effective as of your Statement on or after October1st 2019
The ‘simple rate’ is a variable rate comprised of two parts;
The ‘simple’ rate is the actual interest rate you will pay on your Card. It’s your personal rate and the Bank of England base rate added together. It moves in line with the Bank of England Base Rate—when the Base Rate changes, you’ll see your simple rate change by exactly the same amount.
You can find details of your interest rate on your credit card statement.
Bank of England Base Rate tracking will be effective as of your Statement on or after October 1st, 2019.
If you pay the full balance every month, you won’t be charged interest, unless you have made a cash transaction. Interest on cash transactions is charged from the moment the transaction is made. These have a different rate, which is also linked to the Bank of England base rate.
Bank of England Base rate tracking will be effective as of your Statement on or after October 1st 2019
Yes we will. If your interest rate is changing because the base rate has changed, we’ll tell you this on the statement before the change happens. We’ll also let you know about Base Rate changes on our website and in the press.
If your interest rate is changing for any other reason, we’ll give you at least 30 days’ notice if it’s going up. If it’s going down, we’ll still give you notice but might make the change sooner.
Bank of England Base Rate tracking will be effective as of your Statement on or after October 1st 2019
1. Interest on all balances that result from purchases (including associated fees, such as non-sterling Transaction fees), interest charges and service charges (such as the copy statement fee), is charged at the per annum rate found in your Terms and Conditions (variable) if the statement balance is not paid in full, as per your Credit Card agreement. Cash advances, balance transfers, and the interest charged on those non-purchase balances do not accrue interest at the standard. If you do not pay your balance in full you may incur interest on your outstanding balance. You will still be required to pay your minimum due payments. If you only make minimum payments, it will take you longer and may cost you more to clear the outstanding balance.
2. See app store listings for operating system information.
* Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. Annual fee may apply.
** For full Terms and Conditions on referring a friend, click here.
The Standards of Lending Practice
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
The Statement of Lender and Borrower Responsibilities details the fundamental responsibilities and obligations we have to our Cardmembers and outlines what we expect of you in return. The Statement of Lender and Borrower Responsibilities can be viewed at www.americanexpress.com/uk/disclosure.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Copyright© 2019. American Express Company. All Rights Reserved.
