Your American Express

Credit Card Explained

Your personal rate is an interest rate we set just for you. It’s based on a number of things, including your credit score and credit history. We add this to the Bank of England base rate to get your ‘simple’ rate, which is the interest rate we charge on your card, before it compounds. For more information on Interest and compounding visit

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.**