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.
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.
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
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.
Earn Membership Rewards points or premium rewards. For service and benefits that are second to none, reward yourself with a premium Card for your platinum lifestyle.
Enjoy all the benefits, convenience and security of an American Express Card when traveling. With the added bonus of earning more points when you use your Card on the high street or for your travel purchases or choose to enjoy Hotel and Retail rewards.
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 almost everything you buy.
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 points for flights, hotels, gift cards and more.
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.
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.
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).
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.
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).
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.
20,000 bonus points will be awarded onto your Account once you have been approved and a minimum of £2,000 has been spent and charged to the Account within three months of Account opening. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held the Nectar Credit Card in the past six months. Purchases made at warehouse retailers in the United Kingdom will earn you Points at the rate of 1 point for every £1. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (americanexpress.co.uk).
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 in the last six months another American Express Card.
2 points per full £1 spent consists of collecting 2 points for virtually 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).
4 points per full £1 spent consists of collecting 2 points for virtually 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.
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 virtually 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 other British Airways American Express Cards in the past six 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.
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.
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.
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 other British Airways American Express Cards in the past six 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.
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.
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 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 in the last six months another American Express Card.
2 points per full £1 spent consists of collecting 2 points for virtually 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).
2 points per full £1 spent consists of collecting 2 points for virtually 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).2 points per full £1 spent consists of collecting 2 points for virtually 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).
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 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.
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.
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 virtually 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 other British Airways American Express Cards in the past six 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.
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.
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.
Cashback rewards will be payable annually in the month following your Credit Card anniversary. 3% is earned on every full £1 spent and charged on all eligible restaurant dining purchases (no maximum). 2% is earned on every full £1 spent and charged on eligible travel purchases (no maximum). Unless stated above as being eligible, purchases will earn 1% cashback rewards on every full £1 spent and charged per purchase (maximum £300 cashback rewards every 12 months), subject to exclusions. Cashback rewards are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, 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.
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.
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 virtually 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 other British Airways American Express Cards in the past six 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.
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.
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.
Terms and Conditions apply to Starpoints redemptions and are subject to availability. Detailed information can be found here. All applicable terms and conditions will be provided within your Welcome Pack if you are approved.
5% cashback will be payable to you by us on all your purchases made in the first 3 months up to £100. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques purchases, 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).will be payable to you by us on all your purchases made in the first 3 months up to £100. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques purchases, 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).
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.
