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Guide to your American Express® Platinum Card® statement

Welcome inside your guide

We've put this guide together to help you find any information you need about your Platinum Card statement, at the click of a mouse.

  1. What is a Charge Card?
  2. How to make your payments
  3. Set up a Direct Debit
  4. Mobile services
  5. How we calculate your Membership Rewards®
  6. Exclusive Cardmembership offers on your statement

What is a Charge Card?

How a Charge Card can supercharge your life

The American Express Platinum Card is a Charge Card, not a Credit Card. This means that we don’t put an inflexible, fixed credit limit on your Card, as long as you pay your balance in full each month. Instead, the amount you can spend at any one time is based on things like your previous spend, your repayment history with us, your credit history and your financial resources.

In the early days, we need to get to know you and your spending patterns. So the amount you can have outstanding at any one time may start out a little lower than you can actually afford. As we learn how you like to run and manage your Card, we’ll quickly be able to adjust how much you can spend on it.

Need to talk to us about your Charge Card spending limits while travelling or if you’re planning a big purchase? Just call us on the number on the back of your Platinum Card.

Your Charge Card statement clearly shows you the figure, and the date by which you need to pay it.

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How to make your payments

Choose the best way to pay

There are a number of ways you can settle your Card balance each month. The easiest is by Direct Debit (set one up now).

If you prefer, you can log in to Online Services from your PC or mobile and pay online, as well as view your transactions, and manage your account whenever you like (if you haven’t already done so, register now).

Paying by bank giro is another option. Please write your account number on the front of your cheque and take it with your completed Payment Slip to your bank. Allow four working days for receipt of payment.

And if you would like to pay by cheque you can do so by writing your account number on the front of your cheque and making it payable to American Express Services Europe Limited. Please send your cheque to:

American Express Services Europe Ltd., Royal Avenue, Widnes, WA88 1AE

Please do not send any correspondence with your payments.

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Set up a Direct Debit

Pay the easy way

Want to set up a Direct Debit now? Simply log in to Online Services and download the Direct Debit form, then post it back to us at:

American Express Services Europe Ltd, FREEPOST, PO Box 79, Brighton, BN1 1YZ

Or, you can call us using the number on the back of your Card, and we'll set up your Direct Debit with you over the phone. Once it’s set up, you’ll see it clearly marked on your statement. Direct Debits can take a few weeks to activate, so please view your statement regularly. Until your Direct Debit is up and running, please continue paying by your usual method.

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Mobile services

View your transactions on your mobile

You can now view your transactions on your mobile. In addition, you can access the most important account information and management tools when you’re on the go – via a convenient website optimised for your mobile phone or as a downloadable app for iPhone and Android devices.

  • See your latest transactions
  • Pay your bill
  • Access and manage your accounts
  • View your Membership Rewards

Visit for more information on our mobile services.

You may also want to register for our Alerts programme and receive timely updates and reminders about your account – there's a range to choose from. You can also choose when you'd like to receive your Alerts and whether you prefer SMS or email.

Visit for details.

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How we calculate your Membership Rewards®

The best part of your statement

You can see exactly how we’ve worked out your Membership Rewards points by looking at the boxes on the top. You’ll also notice that the period your statement shows for the Membership Rewards points you have earned, differs from the period of the statement itself, as it takes time for this to show on the paper or PDF version of your statement.

To see the latest Membership Rewards points each of your recent charges has generated, log in to your Online Account, click here. You can also see your year-to-date total here.

Nearly every £1 you put on your Card qualifies for Membership Rewards points, so the more you charge your Card, the more you earn. Use it for everyday purchases – like a trip to the supermarket or filling up your car, or for larger expenses like travel, and you’ll earn Membership Rewards even faster.

For a selection of rewards and treats, turn to the exclusive Cardmember offers at the end of your statement each month or visit American Express Selects

For tips about how to maximise your points visit the Welcome Centre.

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Exclusive Cardmembership offers on your statement

Much more than just a statement

When you’re an American Express Platinum Cardmember, you’ll discover that there’s so much more to a statement than you’d expect.

Each month, we update you about the latest offers exclusive to our Cardmembers. We also feature other information about smart ways of using your Membership Rewards points.

So, reading your statement is not only important but could also be very rewarding indeed!

Interested in more exclusive offers? Visit our dedicated Platinum website.

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Need more help?

If you have any questions, or would like to change the date you receive your statement, please log in to Online Services to email us, or call the number on the back of your Card to speak to Customer Services.

Ready to go paperless?

To let us know, log in to Online Services, where you can change your preferences to paperless statements.
We'll send you a reminder just before your statement arrives with you, and keep your last 6 months' statements ready for you to view, or download, whenever you need to. All you need to do to view your statement is log in to Online Services when you get your reminder. Click here to register for Online Services if you haven't already.

American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.