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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. Cardmembers of the Platinum Charge Card and The American Express Card are automatically enrolled in our Membership Rewards programme, where you earn at a rate of one reward point for every pound you spend. You can then use your points for rewards that really are unique.

Perhaps whet your appetite during 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 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 Annual Fee £60
  • Iconic Сharge Сard that enables you to stay in control of your finances
  • 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 No Annual Fee
Terms and Conditions

The Platinum Business Card

40,000 Membership Rewards® points if you spend £6,000 in the first 3 months of Cardmembership Annual Fee £450
  • Platinum Concierge Service
  • Priority Pass worldwide airport lounge access
  • 54 days interest free on credit
Terms and Conditions

The Gold Business Card

20,000 Membership Rewards® points if you spend £3,000 in the first 3 months of Cardmembership Annual Fee £125 (£0 in first year)
Terms and Conditions

The Basic Business Card

No pre-set spending limit No Annual Fee
Terms and Conditions


Show More Cards


Key benefits at a glance

An American Express Charge Card could offer you:
  • A welcome bonus of Membership Rewards® points to get you started
  • The ability to earn points on all your eligible spend
  • Purchase protection
  • Online fraud guarantee
  • Exclusive travel benefits such as worldwide comprehensive Travel Insurance and access to the higher tiers of our travel partners’ loyalty programmes including Avis Preferred and Hertz Gold Plus Rewards®.
  • 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.

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.



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


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


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

Learn More about Customer Service


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.

Learn more about Contactless Payments

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 (

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.