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American Express Charge Cards

American Express Charge Cards

American Express Charge Cards offer no pre-set spending limits and no interest charge as the balance is paid in full each month.
 
Why choose an American Express Charge Card?

Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month. Your spending limit however, depends on your Card usage, and is based on factors including your current spending patterns, payment history, credit record, and financial resources.

It's also rewarding because the American Express Charge Card lets you maximise your Membership Rewards® points earning potential. Gold and Platinum Charge Cardmembers are automatically enrolled in our Membership Rewards programme, where you earn at one reward point for virtually every pound you spend. You can then use your points for rewards that really are unique.

Perhaps whet your appetite with a culinary experience with a celebrity chef. Relax and take things easy at a luxury spa. Or transfer your points to one of a number airline or hotel partners, including British Airways, Virgin Atlantic and Hilton. They're your rewards, your way.

Our Gold Business Card and Platinum Business Card also offer many additional business related benefits. From extended payment days to no pre-set spending limit, our Business Cards provide a range of services to suit your business needs.

Like every American Express Cardmember, you'll also enjoy American Express Invites.

 

Our Charge Cards

The Preferred Rewards Gold Card

Earn 20,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership Annual fee £140 (£0 in first year)
  • Easily transfer points to frequent flyer and hotel programmes
  • 2 complimentary Lounge visits per year
  • 10% off Hertz base car rental rates
Terms and Conditions

The Platinum Card®

Earn 30,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership Annual Fee £450
  • Refined travel — unique access to airport lounges, handpicked hotels and complimentary offers
  • Worldwide travel insurance for you and your immediate family
  • Platinum Concierge can take care of travel and lifestyle plans
Terms and Conditions

The American Express Card

10,000 Membership Rewards® points is enough for £50 of Expedia or Amazon gift vouchers welcome offer Annual Fee £60
  • Iconic ?harge ?ard that enables you to stay in control of your finances Companion Voucher
  • Earn Membership Rewards points on virtually all your purchases
  • Redeem points with great partners like Amazon, Harrods, and Virgin Atlantic protection
Terms and Conditions

Basic Card

Taking care of the basics Terms and Conditions

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Show More Cards

 

Key benefits at a glance

An American Express Charge Cards could offer you:
  • A welcome bonus of Membership Rewards points to get you started
  • The ability to earn points on virtually all your spend
  • Purchase protection
  • Online fraud guarantee
  • Exclusive travel benefits such as worldwide comprehensive travel insurance Complimentary membership in the elite tiers of our partner programmes, such as Starwood Preferred Guest Gold and Hertz #1 Gold Club
  • Special discounts, offers, upgrades and privileges when you travel, such as access to Airport lounges
  • 24/7 customer service, which may include our concierge and travel services
  • Access to American Express Invites

24/7 Customer Service

Whenever you need us, wherever you are, our team of Customer Care Professionals are available 24/7 by phone, text, email or mail.

No matter where you are in the world, our Global Assist® team will provide the help you need in your own language, around the clock.

Card security and protection

If things should go wrong, we'll soon put them right. All American Express Cards feature Chip and PIN technology and all transactions are processed through our own secure system to minimise the risk of fraud, whether you use your Card at home or abroad.

Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.

For added protection, selected American Express Charge Cards also offer Refund Protection on eligible items bought in the UK.

That means if a retailer refuses to give you your money back, we'll refund the purchase price on eligible items purchased on your Card. Then there's our valuable Purchase Protection which means if you bought an eligible item on your Card and it's stolen or damaged within 90 days, we'll replace or repair it, or give you a refund.

Accepted around the world

Wherever your travels take you, you can take your American Express Charge Card with you. Even better, the Preferred Rewards Gold Card allows you to earn double Membership Rewards points on all your overseas spend.

Your spend abroad is converted to pounds sterling as soon as we process the transaction, based on the American Express exchange rate which is set daily. If your transaction is in US dollars, the amount will be converted directly to pounds sterling.

If it's in another currency, it's converted to US dollars and then to pounds sterling. Of course, your monthly bill is paid in pounds sterling.

Manage your account online or on your mobile

We put you firmly in control when it comes to managing your Account. Register online and you can view and manage your account anytime of the day or night, virtually anywhere in the world – either online or on your mobile.

View your current balance, have updates sent to your phone, pay your bills easily, and manage your rewards points.

 

Eligibility

Before you apply, use the following checklist to see if you meet our standard eligibility criteria

  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • And if self-employed, I have been working for more than one year
  • I have no history of bad debt

Some Cards may have additional specific eligibility criteria and you will be asked to provide employment, income and bank account information in order to submit your application.

Once you have found the Charge Card that best suits you, make sure you read the important information, then hit the 'Apply now' button to begin the application process. At this stage, you can decide how you'd like your name to appear on your Card and choose optional additional benefits.

Your application takes less than 10 minutes and you can get a response in 60 seconds.

Find out if you're eligible with our Eligibility Checker

  • Only takes a couple of minutes to complete
  • Will not impact your credit rating
  • Allows you to apply with confidence
 

Frequent Flyer Cards

Enjoy points for flights.
With the ability to earn Frequent Flyer points or Avios points on practically every purchase and often additional travel benefits like lounge access, complimentary travel protection and 24/7 global Card support.

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.

Discover our Credit and Charge Card Guides

Find a type of card to suit your needs

Explore our range of Cards, you're bound to find something to suits your needs and lifestyle.

American Express Benefits

FRAUD AND SHOPPING PROTECTION

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

WORLD CLASS CUSTOMER SERVICE

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

Learn More about Customer Service

CONTACTLESS PAYMENTS

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 Pay you can even pay with your phone.

Learn more about Contactless Payments

1. The 20,000 Membership Rewards bonus points will be awarded onto your account once you have been approved and you have spent and charged £2,000 within the first 3 months of Cardmembership. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Membership Rewards enrolled American Express Cards in the past 6 months.

We will share certain membership information about you with the Priority Travel Group Holdings Limited (“PTG”) who administer the LOUNGE CLUB™ programme. PTG will provide complimentary membership for the primary card holder to LOUNGE CLUB™, and issue a card and lounge listing. You will be entitled to two complimentary lounge visits at participating lounges each year you hold a valid Preferred Rewards Gold Card, which may be used by the primary Cardmember or by the primary Cardmember and one guest. Once you have activated your American Express Preferred Rewards Gold Card, please allow up to 28 working days for your LOUNGE CLUB™ card to arrive in the mail. Use of the airport lounges will be governed by the terms and conditions of LOUNGE CLUB™ which are available in full at www.loungeclub.com, which you agree to comply with by applying for a card. You also confirm that lounges may charge usage fees at the prevailing rate (currently £15 per person, per visit) for any lounge visits that exceed the two complimentary lounge visits per membership year to your American Express Preferred Rewards Gold Card. The lounge usage fees charged are at the discretion of PTG and any changes to the lounge access fee will be advised by them.

The 30,000 Membership Rewards bonus points will be awarded onto your account once you have been approved and you have spent and charged £2,000 within the first three months of Cardmembership. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Membership Rewards enrolled American Express Cards in the past 6 months. Please note that it can take up to one month for bonus points to be awarded to your account.

Membership Rewards Points are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, Foreign Exchange and Express Cash transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. Read the full terms and conditions here

American Express Services Europe Limited ('AESEL') makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Full details of the insur ance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply.

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.

5% cashback will be payable to you by us on all your purchases made in the first three months up to £125. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Any cashback from introductory offers will be credited to your Account in your card anniversary month. Your Card anniversary month is the one month period each year following the date on which your Account was opened. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (americanexpress.co.uk).

Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.