Credit Cards
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.
Check the credit limit
Knowing your credit limit is the first step to making sure your balance stays under control. You can reduce the risk of going over your limit by making regular payments on your balance.
Check the Credit Card fees
The charges you pay partly depend on the type of card you have and how you use it. Some of our cards have no annual fee. You can view all our card types below.
Check the Credit Card interest rates
Learn about APR (Annual Percentage Rate) and how interest gets calculated. Knowing this can help you choose the right card.
Types of Credit Cards
American Express offers a range of UK Credit Cards and Charge Cards with different rewards and benefits tailored to your lifestyle and interests. Learn more about these.
Premium Credit Cards and Charge Cards
For service and benefits second to none, reward yourself with one of our Premium Cards, and you could enjoy:
- Earning more points, faster, with a higher overall rate or an accelerated rate on certain spend categories, such as airlines purchases
- Travel benefits such as complimentary lounge access and complimentary domestic and international travel insurance on eligible Cards
- Special event invites, concierge services and exclusive lifestyle programmes depending on your Card.
Our Premium Credit Cards and Charge Cards
Premium Credit Cards and Charge Cards
For service and benefits second to none, reward yourself with one of our Premium Cards, and you could enjoy:
- Earning more points, faster, with a higher overall rate or an accelerated rate on certain spend categories, such as airlines purchases
- Travel benefits such as complimentary lounge access and complimentary domestic and international travel insurance on eligible Cards
- Special event invites, concierge services and exclusive lifestyle programmes depending on your Card.
Our Premium Credit Cards and Charge Cards
Travel Credit Cards and Charge Cards
A Travel Card means you could enjoy:
- Earn Membership Rewards points or Avios points on all purchases
- Companion Voucher
- Additional travel benefits like Lounge Access and Travel protection
- The ability to transfer your points to up to 12 of our airline points transfer partners.
Our Travel Credit Cards and Charge Cards
Travel Credit Cards and Charge Cards
A Travel Card means you could enjoy:
- Earn Membership Rewards points or Avios points on all purchases
- Companion Voucher
- Additional travel benefits like Lounge Access and Travel protection
- The ability to transfer your points to up to 12 of our airline points transfer partners.
Our Travel Credit Cards and Charge Cards
Rewards Credit Cards and Charge Cards
A Rewards Card means you could:
- Earn points on purchases on your Card
- Have the ability to redeem your points for a huge range of retail and travel purchases through Membership Rewards
- Be able to transfer your points to a number of airline partners.
Our Rewards Credit Cards
Rewards Credit Cards and Charge Cards
A Rewards Card means you could:
- Earn points on purchases on your Card
- Have the ability to redeem your points for a huge range of retail and travel purchases through Membership Rewards
- Be able to transfer your points to a number of airline partners.
Our Rewards Credit Cards
Cashback Credit Cards
American Express Cashback Credit Cards offer you:
- Competitive cashback rates on your purchases. Enjoy no limit on the amount of cashback you could earn every year on your purchases - big or small
- Online fraud protection
- Cardmembers can enjoy access to a wide range of sought-after events, including music, theatre and film, often before tickets go on sale to the general public with American Express® Experiences.
Our Cashback Credit Cards
Cashback Credit Cards
American Express Cashback Credit Cards offer you:
- Competitive cashback rates on your purchases. Enjoy no limit on the amount of cashback you could earn every year on your purchases - big or small
- Online fraud protection
- Cardmembers can enjoy access to a wide range of sought-after events, including music, theatre and film, often before tickets go on sale to the general public with American Express® Experiences.
Our Cashback Credit Cards
No Annual Fee Credit Cards and Charge Cards
With all the benefits of being an American Express Cardmember, without the annual fee, these Cards also offer:
- Points earned for every pound spent on purchases
- Access to pre-release tickets for shows and events with American Express Experiences
- Purchase, Refund, Online Fraud Protection and more.
Our No Annual Fee Credit Cards and Charge Cards
No Annual Fee Credit Cards and Charge Cards
With all the benefits of being an American Express Cardmember, without the annual fee, these Cards also offer:
- Points earned for every pound spent on purchases
- Access to pre-release tickets for shows and events with American Express Experiences
- Purchase, Refund, Online Fraud Protection and more.
Our No Annual Fee Credit Cards and Charge Cards
Avios Credit Cards
Choosing an Avios Card with points for flights means you could enjoy:
- Earning Avios Points on everyday purchases
- Additional travel benefits like Lounge Access and Travel protection
- The ability to transfer your points to our airline points transfer partners.
Our Avios Credit Cards
Avios Credit Cards
Choosing an Avios Card with points for flights means you could enjoy:
- Earning Avios Points on everyday purchases
- Additional travel benefits like Lounge Access and Travel protection
- The ability to transfer your points to our airline points transfer partners.
Our Avios Credit Cards
Hotel and Retail Credit Cards
American Express Hotel and Retail Cards could offer you:
- A welcome bonus of rewards to get you started
- The ability to earn retail rewards points on virtually all your spend
- Purchase protection and Online fraud guarantee
- Travel Accident or Travel protection
- Access to our American Express Experiences.
Our Hotel and Retail Credit Cards
Hotel and Retail Credit Cards
American Express Hotel and Retail Cards could offer you:
- A welcome bonus of rewards to get you started
- The ability to earn retail rewards points on virtually all your spend
- Purchase protection and Online fraud guarantee
- Travel Accident or Travel protection
- Access to our American Express Experiences.
Our Hotel and Retail Credit Cards
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
- Spend £0 to £10,000 and recieve 0.75% cashback on all purchases
- Spend over £10,001 and recieve 1.25% cashback on all purchases
19 July. Terms Apply11. 18+, subject to status.
- Get Membership Rewards points for every pound you spend and redeem with a range of shopping, travel and lifestyle partners
- Offset virtually anything you’ve bought on your Card with points
- Get a £5 Deliveroo statement credit - twice every month.
- Earn up to 1% cashback with no annual fee
- Travel and shopping protection
As a new Cardmember, collect 5,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership. Terms apply1
Representative APR 25.3% APR variable
- The Card that allows you to collect Avios on purchases you are already making, with no annual fee
- Get a Companion Voucher when you spend £12,000 each membership year on the Card, which you can use to either take a companion with you on the same flight and cabin or, if travelling solo, a 50% discount on the Avios price you pay for your flight. Vouchers are redeemable when you book a British Airways Reward flight in Euro Traveller and World Traveller cabins (economy class) only. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person2.
As a new Cardmember, earn 10,000 bonus Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership
Representative APR 25.3% APR variable
- Earn points when you spend – so you’re never far away from your next shopping, lifestyle or travel reward
- Redeem points with great partners like Amazon, Boots and Currys PC World
As a new Cardmember, collect 25,000 bonus Avios when you spend £3,000 in your first three months of Cardmembership. Terms apply1
Representative 102.5% APR variable
- Collect 1.5 Avios for every £1 spent, and three Avios for every £1 spent with British Airways or BA Holidays
- Get a Companion Voucher when you spend £10,000 each membership year on the Card, which you can use to either take a companion with you in the same flight and cabin or, if travelling solo, a 50% discount on the Avios price you pay for your flight. Vouchers are redeemable when you book a British Airways Reward flight in any cabin. British Airways American Express Premium Plus Cardmembers will have access to additional Reward flight seats within Club World (business) when booking with a Companion Voucher, subject to availability. Taxes, fees and carrier charges apply per person2.
As a new Cardmember, earn 20,000 Nectar points when you spend £2,000 in your first three months of Cardmembership
Representative APR 30.7% APR variable
- First year’s Cardmembership4 fee of £25 is on us
- Collect 2 points5 for every full £1 spent on the Card
- Collect up to 4 points6 for every full £1 spent at Nectar partners
Earn 20,000 bonus Marriott Bonvoy® points when you spend £3,000 in the first three months of Cardmembership. Terms Apply12
Representative APR 42.6% APR variable
- Travel and shopping protection
- Automatic upgrade to Gold Elite Status when you spend £15,000 in purchases on your Card each year
- Receive a Free Night Award, for each year you spend £25,000 on the Card
Earn Cashback with American Express and be rewarded with an additional cashback booster by tracking your activity with Vitality
Representative APR 36.3% APR variable
- The Card that allows you to collect Avios on purchases you are already making, with no annual fee
- Get a Companion Voucher when you spend £12,000 each membership year on the Card, which you can use to either take a companion with you on the same flight and cabin or, if travelling solo, a 50% discount on the Avios price you pay for your flight. Vouchers are redeemable when you book a British Airways Reward flight in Euro Traveller and World Traveller cabins (economy class) only. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person2.
- Earn points when you spend – so you’re never far away from your next shopping, lifestyle or travel reward
- Redeem points with great partners like Amazon, Boots and Currys PC World
- Collect 1.5 Avios for every £1 spent, and three Avios for every £1 spent with British Airways or BA Holidays
- Get a Companion Voucher when you spend £10,000 each membership year on the Card, which you can use to either take a companion with you in the same flight and cabin or, if travelling solo, a 50% discount on the Avios price you pay for your flight. Vouchers are redeemable when you book a British Airways Reward flight in any cabin. British Airways American Express Premium Plus Cardmembers will have access to additional Reward flight seats within Club World (business) when booking with a Companion Voucher, subject to availability. Taxes, fees and carrier charges apply per person2.
- First year’s Cardmembership4 fee of £25 is on us
- Collect 2 points5 for every full £1 spent on the Card
- Collect up to 4 points6 for every full £1 spent at Nectar partners
- Travel and shopping protection
- Automatic upgrade to Gold Elite Status when you spend £15,000 in purchases on your Card each year
- Receive a Free Night Award, for each year you spend £25,000 on the Card
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, to loyalty Membership Rewards® that you can redeem for gift cards, hotel stays, flights and much more.
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 Experiences 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:
- A sign-up bonus on selected Cards
- The ability to earn travel rewards points
- Purchase protection
- Online fraud guarantee
- Travel Accident and Travel inconvenience coverage
- 24/7 customer service
- Access to our American Express® Experiences.
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.
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.
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.
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.
Whether you’re shopping on the high street or buying online at home, your American Express Card is accepted at thousands of places, across the country, the globe, and the web. We’ve added millions of new locations globally*.
*Based on American Express merchant locations set up between January 2018 and December 2018.
Whether you’re shopping on the high street or buying online at home, your American Express Card is accepted at thousands of places, across the country, the globe, and the web. We’ve added millions of new locations globally*.
*Based on American Express merchant locations set up between January 2018 and December 2018.
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.
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.
When you submit your Card application you will be asked for the following information:
- Personal information: including your name, email address, date of birth and nationality.
- Contact details: including your phone number and current address. If you’ve lived at your current address for less than three years, you will also need your previous address.
- Financial information: including your annual personal income and any other household income, your employment status and employer contact details, as well as how long you’ve been with your bank or building society.
Having all of this information to hand before you start your application will make your application process smoother.
Once you have chosen a Card, read the Terms and Conditions, then click the ‘Apply now’ button on your chosen Card page to begin your application.
The Card application takes less than 10 minutes. You’ll be asked to input the personal and financial information outlined previously, after which you can review a summary to ensure that all the information you’ve provided is correct before submitting your application.
When considering your application, we will ask a credit reference agency to carry out a credit assessment.
If you have any additional questions about this process or need further assistance, please contact our team on 0800 032 7642.
When you apply for a Credit Card or a Charge Card, your application will undergo a credit check which includes an evaluation of your credit history.
A credit check is the process undertaken by American Express to ensure you are able to meet the obligations of a Credit or Charge Card contract. Generally, it means looking at:
- Your ability to repay
- Your financial responsibility
- Your chance of defaulting, not paying back your debt
- Your credit history.
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.
British Airways American Express Credit Card
1. 5,000 bonus Avios will be awarded onto your Account if you are a new Cardmember and once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within the first three months of Cardmembership. Cardmembership begins from Card approval.
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. Introductory offers are not available if you currently hold or have held any personal American Express Cards in the past 24 months.
2. Terms and conditions apply to Avios redemptions. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways Reward flight seat in economy only, paid with Avios. Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward flight booking with their Companion Voucher as a solo traveller. Full Companion Voucher Terms and Conditions can be found at ba.com/amex-companion or by calling 0844 4930750 (calls cost 7ppm plus your telephone company access charge).
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. 25,000 bonus Avios will be awarded onto your Account if you are a new Cardmember and once you have been approved and you have spent and charged a minimum of £3,000 on goods and services to the Account within the first three months of Cardmembership. Cardmembership begins from Card approval.
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. 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.
2. Terms and conditions apply to Avios redemptions. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways Reward flight seat in any cabin, paid with Avios. Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK, as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward flight booking with their Companion Voucher as a solo traveller. Access to Reward flight seats within Club World (business class) is available for British Airways Premium Plus Companion Vouchers earned
from 1 September 2021. Full Companion Voucher Terms and Conditions can be found at ba.com/amex-companion or by calling 0844 493 0750 (calls cost 7ppm plus your telephone company access charge).
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 calculated on the amount of the purchase and then rounded down to the nearest full pence. You will earn cashback on purchases applied to your Account at the following rate: 0.75% for the first £10,000 of purchases on your Card Account in the preceding 12 months; and 1.25% on purchases on your Card Account over £10,000 in the preceding 12 months. Cashback will be paid by crediting your Account during each Credit 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.
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.
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.
11. 30,000 Membership Rewards bonus points: The 30,000 Membership Rewards bonus points will be awarded onto your Account if you are a new customer and you have applied after midnight GMT 8 June and before 11:59pm GMT 19 July and once you have been approved and you have spent and charged £3,000 within the first three months of Cardmembership. Cardmembership begins from Card approval. Please note that it can take up to one month for bonus points to be awarded to your Account.
12. 20,000 Marriott Bonvoy bonus points: You will receive 20,000 bonus points when you spend and charge £3,000 within the first three months of Cardmembership. Introductory offers are not available if you currently hold or have held any other personal American Express Cards in the past 24 months. Please note that it can take up to two months for bonus points to be awarded to your Account. Please see complete information on complimentary nights by visiting Marriott.co.uk
British Airways American Express Credit Card
1. 5,000 bonus Avios will be awarded onto your Account if you are a new Cardmember and once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within the first three months of Cardmembership. Cardmembership begins from Card approval.
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. Introductory offers are not available if you currently hold or have held any personal American Express Cards in the past 24 months.
2. Terms and conditions apply to Avios redemptions. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways Reward flight seat in economy only, paid with Avios. Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward flight booking with their Companion Voucher as a solo traveller. Full Companion Voucher Terms and Conditions can be found at ba.com/amex-companion or by calling 0844 4930750 (calls cost 7ppm plus your telephone company access charge).
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. 25,000 bonus Avios will be awarded onto your Account if you are a new Cardmember and once you have been approved and you have spent and charged a minimum of £3,000 on goods and services to the Account within the first three months of Cardmembership. Cardmembership begins from Card approval.
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. 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.
2. Terms and conditions apply to Avios redemptions. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways Reward flight seat in any cabin, paid with Avios. Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK, as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward flight booking with their Companion Voucher as a solo traveller. Access to Reward flight seats within Club World (business class) is available for British Airways Premium Plus Companion Vouchers earned
from 1 September 2021. Full Companion Voucher Terms and Conditions can be found at ba.com/amex-companion or by calling 0844 493 0750 (calls cost 7ppm plus your telephone company access charge).
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 calculated on the amount of the purchase and then rounded down to the nearest full pence. You will earn cashback on purchases applied to your Account at the following rate: 0.75% for the first £10,000 of purchases on your Card Account in the preceding 12 months; and 1.25% on purchases on your Card Account over £10,000 in the preceding 12 months. Cashback will be paid by crediting your Account during each Credit 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.
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.
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.
11. 30,000 Membership Rewards bonus points: The 30,000 Membership Rewards bonus points will be awarded onto your Account if you are a new customer and you have applied after midnight GMT 8 June and before 11:59pm GMT 19 July and once you have been approved and you have spent and charged £3,000 within the first three months of Cardmembership. Cardmembership begins from Card approval. Please note that it can take up to one month for bonus points to be awarded to your Account.
12. 20,000 Marriott Bonvoy bonus points: You will receive 20,000 bonus points when you spend and charge £3,000 within the first three months of Cardmembership. Introductory offers are not available if you currently hold or have held any other personal American Express Cards in the past 24 months. Please note that it can take up to two months for bonus points to be awarded to your Account. Please see complete information on complimentary nights by visiting Marriott.co.uk