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Types of Credit Cards and Charge Cards

 

Whether you want to collect loyalty Membership Rewards® points, cashback, travel rewards or enjoy premium lifestyle experiences, here you could find a Card to suit your needs.

What type of Card suits your needs?

 

American Express offers a range of UK Credit Cards and Charge Cards with different rewards and benefits tailored to your lifestyle and interests.

 

Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month.

 

Your spending limit however, depends on your Card usage, and is based on factors including your current spending patterns, payment history, credit record, and financial resources.

 

If a Credit Card is not what you are looking for, our Charge Cards maybe of interest to you.

Learn more about Charge Cards


Card Types by American Express
 

Explore Cards by Category

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

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

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

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

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 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

Eligibility

 

To save time, use the following checklist to see if you meet our standard eligibility criteria:

 

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

Credit and Charge Cards Explained

 

Has talk of interest, annual fees, rates and percentages left you feeling confused?
 

Our simple Credit and Charge Card Guides are a great place to start.

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.



 

WORLD CLASS CUSTOMER SERVICE

Access to our customer service is available 24/7 by phone, text or email.




 

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.
 
 

Explore Our Credit Cards

American Express offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.