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.
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American Express Credit Cards offer you opportunities to earn a variety of rewards. From leading cashback rates, Avios, SPG points, 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.
An American Express travel rewards Card offers you:
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 Cards are 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.
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
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.
SOME OF OUR FREQUENT FLYER CARDS
Representative 76.0% APR variable
Representative 22.9% APR variable
Representative 57.6% APR variable
Premium Cards
Receive a variety of premium benefits such as airport lounge access or 2-4-1 travel vouchers on top of earning points for your everyday spend.
SOME OF OUR PREMIUM CARDS
Representative 76.0% APR variable
Representative 57.6% APR variable
Travel Rewards Cards
Enjoy all the benefits, convenience and security of an American Express Card when travelling, with the added bonus of earning points when you make purchases at home and abroad.
SOME OF OUR TRAVEL REWARDS CARDS
Representative 57.6% APR variable
Representative 22.9% APR variable
Cashback Cards
Earn cashback everyday.
American Express Cashback Credit Cards give you all the benefits and convenience of an American Express Credit Card, whist earning you cashback on your purchases.
SOME OF OUR CASHBACK CARDS
Representative 28.2% APR variable
Representative 22.9% APR variable
Representative 22.9% APR variable
Rewards Cards
Get the most out of life.
Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for flights, hotels, gift cards and more.
SOME OF OUR REWARDS CARDS
Representative 57.6% APR variable
Representative 22.9% APR variable
Representative 22.9% APR variable
No Annual Fee Cards
Get the most out of your Card with no annual fee.
Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.
SOME OF OUR NO ANNUAL FEE CARDS
Representative 22.9% APR variable
Representative 22.9% APR variable
Representative 22.9% APR variable
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.
Footnotes
British Airways American Express Credit Card
1. For the Credit Card, 5,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within three months of Account opening. Introductory offers are not available if you currently hold or have held any personal American Express Cards in the past 24 months. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
2. Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found here or by calling 0844 493 0750. Please note, calls cost a maximum of 7p per minute, plus your phone company’s access charge. All applicable Terms and Conditions will be provided within your Welcome Pack if you are approved.
3. Subject to enrolment, for more information click here. 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.
British Airways American Express Premium Plus
1. For the Premium Plus Card, the 25,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £3,000 on goods and services to the Account within three months of Account opening. For the Premium Plus Card, you will be awarded 1.5 Avios for every £1 spent and charged per transaction, and 3 Avios for every £1 you spend direct on British Airways flights and holidays. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, 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. Written details available on request. Introductory offers are not available if you currently hold or have held any personal British Airways American Express Card product in the past 24 months. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
2. Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found here or by calling 0844 493 0750. Please note, calls cost a maximum of 7p per minute, plus your phone company’s access charge. All applicable Terms and Conditions will be provided within your Welcome Pack if you are approved.
3. Subject to enrolment, for more information click here. 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.
1. 5% cashback on your purchases for the first three months of Cardmembership (up to £125). Cardmembership begins from Card approval. Introductory offers are not available if you currently hold or have held any personal American Express Cards in the past 24 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).
2. 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).
3. Subject to enrolment, for more information click here.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.
4. The annual fee is £25. With this offer you will receive the first year of Cardmembership with £0 annual fee. From year two of your membership, a £25 annual fee will automatically be charged to your Account on or after the anniversary of your Account opening date. The first year fee waiver is only available to new American Express Cardmembers. A customer is not considered a new Cardmember if they hold or have held any personal American Express Cards in the past 24 months.
5. 2 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Credit Card everywhere, including abroad (except for purchases made at warehouse retailers in the United Kingdom (e.g. Costco) where you will earn Points at the rate of 1 point for every full £1).
6. 4 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Credit Card (except for purchases made at warehouse retailers in the United Kingdom where you will earn Points at the rate of 1 point for every full £1) and 2 points on your Nectar loyalty card at most participating Nectar partners. For BP, Expedia and Homebase, different points levels apply as the base earn rate on the loyalty card varies. See nectar.com for details.
7. 0% interest rate on purchases for the first six months will only be available provided the minimum payment is received by the due date. There is no interest free grace period on Balance Transfers or Cash Advances. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Costco American Express Credit Cards in the past six months.
8. Cardmembers can enjoy access to a wide range of in-demand events including music, theatre, and film, often before they go on general sale. Tell me more.
9. Earn Gold Elite status after making £15,000 in eligible purchase on your Card in a calendar year. This includes 25% Bonus Points on Stays, Gold Welcome Gift of Points (250/500 Points), Varies by Brand), 2p.m. Late Checkout (Based on Availability), Enhanced Room Upgrade (Based on Availability), Complimentary Enhanced In-Room Internet Access, Dedicated Elite Reservation Line.
10. Terms and Conditions apply to points redemptions and are subject to availability. Detailed information can be found here. All applicable terms and conditions will be provided to you as you receive your CArd when approved.
