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American Express Credit Cards

American Express Credit Cards

American Express offers a range of UK Credit Cards with different rewards and benefits tailored to your lifestyle and interests.
Whether you want to collect loyalty Membership Rewards points, cashback or travel rewards or enjoy premium lifestyle experiences, here you could find a credit card to suit your needs.
 

Why choose an American Express Credit Card?

American Express Credit Cards offer you opportunities to earn a variety of rewards. From leading cashback rates, Avios , Starpoints , to loyalty Membership Rewards® that you can redeem for flights, holidays, hotel stays, and gift vouchers.

The rewards don't stop there. Many of our Credit Cards offer you Refund Protection, Purchase Protection, online Fraud protection, inclusive insurance benefits, and 24/7 customer support.

You can also enjoy access to our exclusive American Express Invites programme, bringing you tickets to some of the hottest shows in town, exclusively for our Cardmembers. Whether your passion is music, film, or theatre, we can get you closer to the action.

   

Our Credit Cards

Nectar Credit Card

20,000 Nectar bonus points welcome offer Representative 25.0% APR variable
  • First year’s Cardmembership fee of £25 is on us
  • Collect  2points for virtually every full £1 spent on the Card
  • Collect up to 4 points for virtually every full £1 spent at Nectar partners
Terms and Conditions

British Airways American Express® Premium Plus

25,000 bonus Avios welcome offer Representative 76.0% APR variable
  • Companion Voucher each year when you spend £10,000
  • Automatic enrolment to the British Airways Executive Club
  • Travel and shopping protection
Terms & Conditions

Platinum Cashback Everyday Credit Card

Get 5% Cashback up to £100 for your first 3 months of Cardmembership Representative 22.9% APR variable
  • Get accelerated cashback with no annual fee
  • Travel and shopping protection
Terms and Conditions

British Airways American Express® Credit Card

5,000 bonus Avios welcome offer Representative 22.9% APR variable
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic Enrolment to the British Airways Executive Club
  • Travel and shopping protection
Terms and Conditions

The Costco TrueEarnings® American Express® Credit Card

0% interest on purchases for first 6 months of Cardmembership Representative 19.9% APR
Terms and Conditions

The Starwood Preferred Guest® Credit Card from American Express

Earn a 10,000 Starpoints® bonus, enough for up to 3 complimentary nights at Starwood hotels. Based on £75 36.2% APR variable
  • Travel and shopping  Protection
  • Automatic upgrade to SPG Gold Preferred status when you spend £15,000 in purchases on your Card each year
  • Receive a Free Weekend Night Award , for each year you spend £25,000 on the Card
Terms and Conditions

Platinum Cashback Credit Card

Get 5% cashback up to £125 cashback for your first 3 months of Cardmembership1. Representative 28.2% APR variable
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

Though the level of protection and benefits range from Card to Card, here are some of the main advantages that come with Credit Cards from American Express:
  • A welcome bonus
  • Purchase Protection
  • Online fraud protection
  • Insurance benefits
  • 24/7 Customer Service
  • American Express Invites.

Terms and conditions apply to each of the above.

24/7 Customer Service

Our dedicated Customer Care Professionals are available 24/7 via phone, text, email or mail. We pride ourselves on customer service and always try to ensure that the first person to answer your call will deal with your needs.

Our Global Assist® team is available 24/7 to provide you with help and support when you travel outside the UK.

Card security and protection

American Express uses secure system and early detection programmes to minimise potential fraudulent activity on your Card.

Our Fraud Protection Guarantee means that as long as you are careful with your Card you wont be responsible if you fall victim to fraud.

To add security to your purchases, you can register for SafeKey when you shop online, as well as free text and email alerts on your Card activity.

There's also the option to add additional protection such as American Express My Essentials and Identity Defence.

Accepted around the world

When holidaying abroad remember that American Express Card is accepted globally. Any purchase you make with your Card overseas is converted to pounds sterling as soon as the transaction is processed.

International payments are converted to US dollars before being converted into pounds sterling. 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.

Manage your account online or on your mobile

When it comes to managing your account we offer you easy access to the important information you need. By registering online, you can view and manage your account from any internet enabled device whenever and wherever you choose.

You can check your balance, set notifications and reminders, pay your bills and manage your rewards and loyalty 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 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 American Express Credit Card.

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 Card guides are a great place to start.

Discover our Credit and Charge Cards Guides

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 PayTM you can even pay with your phone.

Learn more about Contactless Payments

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.

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.

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.

Cashback is earned on every full pound spent on each purchase. The value of each purchase will be rounded down to the nearest full pound before Cashback is calculated .Cashback will be payable at the following rates, 1% on spend up to £10,000; 1.25% on spend over £10,001. Cashback will be paid by crediting your Account during each Card anniversary month on the expenditure that has taken place during the preceding 12 months. 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.

The Priority Pass lounge access for Platinum - Priority PassTM Present your Priority Pass membership card and boarding pass for access to over 600 lounges in their programme. In order to access Priority Pass lounges, the Cardmember must present a valid Priority Pass card in his or her name, along with boarding pass for same day travel and passport. Any additional guests will be charged a fee at the prevailing rate – currently £15 per person, per visit, to his or her American Express Platinum Card. Subsequent years’ renewal terms and conditions are at the discretion of Priority Pass. For complete conditions of use visit prioritypass.com. He or she agrees to abide by the conditions of use as contained in the Lounge Listing.

The maximum amount of time for deferred payment on purchases is 54 days and is obtained only if you spend on first day of new statement period and repay the balance in full on the due date.

Points are not earned on American Express Travellers Cheques, Foreign Exchange, Express Cash transactions and other Account Charges Including Membership Rewards fees and annual Card fees. Read the full Terms and Conditions here.

Purchases are approved based on a variety of factors including Account history, credit record and personal resources, security may be required.

Purchases are approved based on a variety of factors including Account history, credit record and personal resources, security may be required. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement. Written details are available on request.