Retail Credit Cards & Credit Cards with Hotel Rewards


Enjoy all the benefits, convenience, and security of an American Express® Credit Card with the bonus of accumulating hotel and retail rewards on your everyday spending.

Why choose an American Express Hotel or Retail Card?


With an American Express Hotel and Retail Rewards Card, you enjoy the many advantages of an American Express Credit Card. But, on top of that, you also accumulate retail rewards or loyalty points, which can be redeemed at a variety of stores.


Apply for complimentary Supplementary Cards for family and loved ones, and earn even more points each time they spend.


You can redeem accumulated points for cash to spend in stores, or put them towards a voucher for a family day out, a special experience, or an overnight stay at some of the world's best hotels. These are just a few ideas – there are many more options.


What's more, every Cardmember enjoys access to  American Express Experiences®. The American Express Invites programme reserves tickets to some of the shows in town, exclusively for our Cardmembers. Whether your passion is music, film, or theatre, we can get you closer to the action.


Compare Retail & Hotel Credit Cards

As a new Cardmember earn 20,000 bonus Marriott Bonvoy® points when you spend £3,000 in the first three months of Cardmembership.18+, subject to status. Terms apply 8
Representative 54.8% APR variable
  • 2 points for every full £1 spent on your Card. Earn 6 points from American Express for each £1 of eligible spend at Marriott properties.
  • Travel and shopping protection
  • Automatic upgrade to Gold Elite Status2 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 20,000 Nectar bonus points welcome offer7 when you spend £2,000 in your first three months of Cardmembership4
Representative 37.8% APR variable



  • First year’s Cardmembership fee4 of £30 is on us
  • Collect  2 points5 for virtually every full £1 spent on the Card
  • Collect up to 3x points (minimum) on spend at Nectar partners when using Credit Card and Loyalty Card for every £1 spent7




Retail & Hotel Credit Card Benefits at a Glance

American Express hotel and retail Credit Cards could offer you:


  • A welcome bonus of rewards to get you started
  • The ability to earn retail rewards points on all your purchases
  • Purchase Protection
  • Online fraud guarantee
  • Travel Accident or Travel Inconvenience insurance (Marriott Only)
  • 24/7 Customer Service
  • Access to our American Express Experiences programme.


Life With AMEX

Get up-to-date information about managing your personal finances and money-saving tips to navigate through the big moments in life.

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.




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

Charge & Credit 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.



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.