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American Express Hotel and Retail Credit Cards

American Express Hotel and Retail Credit Cards

Enjoy all the benefits, convenience and security of an American Express Credit Card – with the added bonus of accumulating hotel and retail rewards.

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 Invites®. 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.


Our hotel and retail Credit Cards

The Starwood Preferred Guest® Credit Card from American Express

Earn a 30,000 points bonus when you spend £1,000 in the first three months of Cardmembership 36.2% APR variable
Terms and Conditions

The Costco TrueEarnings® American Express® Credit Card

0% interest on purchases for first 6 months of Cardmembership Representative 19.9% APR
Terms and Conditions

Nectar Credit Card

20,000 Nectar bonus points welcome offer Representative 25.0% APR variable
Terms and Conditions

Key benefits at a glance

American Express hotel and retail Credit Cards offers 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
  • 24/7 Customer Service
  • Access to our American Express Invites programme.

24/7 Customer Service

Whenever you need us, wherever you are, our Customer Care Professionals is available 24/7 by phone, text, email or mail. And instead of passing you from one person to another, the first person to answer your call will do their best to see it through until it's resolved.

Our Global Assist® team is on hand 24/7 to provide help and support when you travel outside the UK, in your own language.

Card security and protection

All American Express Cards feature Chip and PIN technology and all transactions are processed through our own secure system to minimise the risk of fraud, whether you use your Card at home or abroad.

Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of Card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.

Selected American Express hotel and retail Credit Cards offer Refund Protection and Purchase Protection on eligible items bought in the UK on your Card for up to 90 days.

Accepted around the world

Our hotel and retail Credit Cards are accepted worldwide. Your overseas spend is converted as soon as we process the transaction and the American Express exchange rate is set daily.

If you are paying in US dollars, the amount will be converted directly to pounds sterling. If you are paying in another currency, this will be converted to US dollars and then to pounds sterling.

Your monthly bill is required to be paid in pounds sterling.

Manage your Account online or on your mobile

We put you firmly in control when it comes to managing your Account. Simply register online and you can view and manage your account whenever you want, either online or on your mobile. View your current balance, have updates sent direct to your phone, pay your bills easily, and manage contact preferences.



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

Each Card may have additional specific eligibility criteria and you will need 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 hit 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 Hotel and Retail Cards.

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

  • 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.
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.

Some of our Featured Cards

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.

Discover our Credit and Charge Card Guides

Find a type of Card to suits your needs

Explore our range of Cards, you're bound to 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 (

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.