American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
United KingdomChange Country

American Express® Charge Cards


American Express Charges 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 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 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 Experiences®.


Our Charge Cards

New Cardmembers earn 30,000 Membership Rewards® points when you spend £4,000 in your first three months of Cardmembership
Annual Fee £575
  • 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


Earn Membership Rewards® points on your purchases
Annual Fee £60
  • Iconic Сharge Сard that enables you to stay in control of your finances
  • Earn Membership Rewards points on all your purchases
  • Redeem points with great partners like Amazon, Harrods, and Virgin Atlantic




Taking care of the basics
No Annual Fee

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 Experiences

Explore Cards by Category

Frequent Flyer Cards


Enjoy points for flights.

Choose between a variety of Cards that offer you Avios points or Membership Rewards points for purchases made on your Card.





To save time, use the following checklist to see if you meet our standard eligibility criteria:


I am aged 18 or over 

I have no history of bad debt

I have a permanent UK home address 

I have a current UK bank or building society account

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 Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.

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

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.

American Express Benefits


Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your C



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



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.

Find a type of Card to suit your needs


Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.