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Everything you need to start using your Card

Activating your Card. Registering for Online Services and exclusive offers. It's all here. Make sure you bookmark this page, so you can come back when you need to. Click on the tabs below to find out more.

First things first

If you haven’t already activated your American Express® Card, you can do so online now. Also, register to manage your account with Online Services, it's secure, easy and completely free.

Your photo is an essential part of the TrueEarnings® Card and your Card cannot be issued without it. If Costco has your photo on file, you will automatically receive your Card and PIN ten working days after you’re approved. If you're unsure whether Costco has an available photo, contact Costco on 01923 830699. If no photo is received within sixty days from your date of approval, American Express will cancel your TrueEarnings Card and terminate your account. This is in accordance with the 'Ending your Agreement' section of the credit agreement.

If you have applied for any Supplementary Cards, you'll receive these, once approved, within the next ten working days provided they have a photo on file. If no photo is received within sixty days, from the date of approval, American Express will cancel the Supplementary Card(s).


For security reasons, we'll send your American Express PIN separately from your Card. When you receive it, follow the directions on the back of the letter. It's easy to change your PIN to something more memorable at any of the 30,000 UK LINK cash machines.
Find your nearest cash machine

If you do not have a photo on file, you will receive your PIN but will not receive your Card until you have your photo taken.

Forgotten your PIN

No problem. Click below to view your PIN online – just answer some security questions and we’ll reveal your PIN. If you’re still having difficulties, call the Customer Services number on the back of your Card.

Incorrectly entered your PIN?

If you’ve entered your PIN incorrectly too many times, it will become locked and you’ll need to use a cash machine to unlock the PIN. At the cash machine select the ‘PIN Services’ option. If you don't know your PIN to unlock it at the cash machine, you can view it easily online.

Image showing where to find the security code on the front of your American Express card

Card number and security code

Your Card number is embossed across the front of your Card. For your additional security, your Card also has a 4-digit security code printed on the front. It's above the Card number, towards the right, and printed flat (unlike the Card number). You may be asked for this number during phone and online transactions.

Customer password

When you first interact with American Express on the phone, during Activation, or when registering for Online Services, you will be asked to create a Customer Password. American Express uses the Customer Password to protect the accounts of our Cardmembers. Customer Password is always a 4-digit number, and you should select a Customer Password that will be easy for you to remember. You can choose your Customer Password from one of four types: a memorable date, mother’s birthday, father’s birthday or a numeric passcode. You will be asked for this Customer Password during select transactions when calling American Express or transacting on As a reminder, your Customer Password is not the password associated with your User ID when you log in to

283146A01_ICSS_CONTACTLESSWECOMEPACKS_DROPDOWN_Costco_6.jpgDon’t you just love it when you get something extra? In addition to the usual Chip & Pin, your new Card now contains clever contactless technology, making it quick and easy to purchase items under £30.*

More rewarding than cash

You'll pick up your usual rewards every time you use your Card instead of cash for those smaller everyday purchases like sandwiches, coffee or travel.

Just as secure as your normal transactions

Our contactless technology is just as safe and secure as Chip & PIN. Every transaction is protected by the usual fraud protection guarantee offered by American Express, making it safer than using cash. As an additional security measure we may occasionally ask you to complete a traditional Chip & PIN transaction.

A quick, convenient way to pay

Simply touch your Card against a contactless-enabled Card reader and the reader should confirm with either a light, beep or indicator to show that your Card has been read.
You can use your Card at the thousands of shops, restaurants and bars around the UK that accept American Express contactless.

Getting started

You may need to complete one Chip & PIN transaction at first to enable your new Card for contactless payments.
To find out more, visit

*Participating stores only. Please check in-store for details.

Your monthly American Express statement contains:

  • your transactions for the month
  • the monthly balance due
  • your payment due date
  • your rewards balance.

Go green, go Paperless

Why wait for the post when you can access your bill at any time online? Sign up for Paperless Statements and you can view recent transactions right away, plus get instant access to six months’ worth of past statements. Archived statements (up to September 2005) are available on request.

Our secure site keeps your statements safe and while you enjoy peace of mind, you also help reduce your carbon footprint. When your monthly statement is ready to view, you’ll receive an email reminder from us.

Manage your account online

Online Services gives you fast and secure access to all your account information over the web. It’s the best and safest way to look after every aspect of your American Express account.
Online Services puts you firmly in control of your finances so you can:

  • securely view your current balance, recent transactions and six months’ worth of statements
  • keep up to date with your account by signing up for mobile and email Account Alerts
  • save time by paying your bill online
  • watch your rewards add up
  • sign up to receive exclusive offers by email.

Manage your account on your mobile

You can now access the most important account information when you're on the go - via a mobile website optimised for your phone or as a downloadable App for iPhone® and Android® devices.

  • Access and manage your accounts
  • Pay your bill
  • Check your balance
  • View your cashback rewards.

Click here for more information on our mobile services.

Introducing the American Express Pass for Passbook®

Get instant access to your balance, transactions, and service information on the go, with push alerts to confirm your purchases.

Visit on your iOS6 or later iPhone® or iPod® touch device to get started.

You can view your latest statement and payment due date online by registering for Online Services. To ensure your payment due date is set to one convenient for you, please contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment it will need to be up to date before requesting any change.

There are many ways to pay your bill in an efficient, secure way. Take your pick from the options below.


It’s fast and easy to pay your bill online using a debit card. Firstly, register for Online Services. Then, as soon as you’re logged in, you can easily pay your bill online. Please allow two working days for the payment to be received on your account. You can also set up a Direct Debit online and payment will be collected automatically from your bank account.

By telephone

You can pay your bill by debit card or set up a Direct Debit by telephone. All you need to do is call the number on the back of your Card. Please allow two working days for the payment to be received on your account.

By Direct Debit

Direct Debit enables you to be sure that you pay every month without having to worry about writing a cheque or arranging payment while you are away on business or holiday. Your payments are taken care of automatically and debited to your bank or building society around 18 days after your statement date, giving you plenty of time to check everything. To set up a direct debit, call Customer Services on: 0800 917 8055 /+44 (0) 1273 696 933.

By Cheque

Please write your account number on the front of the cheque and make it payable to American Express Services Europe Limited. Please send to: American Express Services Europe Ltd, Dept 3, Thynne Street, Bolton, BL11 1BD. Allow seven days for receipt of payment, please do not send any correspondence with your payment.

All your questions answered

Visit our FAQs section for quick access to the most commonly asked questions about American Express.

Go Paperless

Cut down on post and go Paperless. Not only does it save time, it gives you added security as well.

Get exclusive offers

Sign up to receive exclusive offers from American Express by email.

Terms and Conditions

Statement of Lender and Borrower Responsibilities

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

The Costco TrueEarnings American Express Credit Card is offered by American Express Services Europe Limited registered office: 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© 2017. American Express Company. All Rights Reserved.