Premium Credit Cards Benefits


Enjoy all the benefits, convenience and security of an American Express® Credit Card or Charge Card – with the bonus of accumulating rewards.

What is an American Express Premium Card?


Aside from allowing you to make purchases and pay at a later date, Premium Credit Cards offer prestigious perks and rewards – ideal if you enjoy the finer things in life. These Cards can therefore have a higher annual fee than other Cards.


Why choose an American Express Premium Card?


Travel privileges, more rewards, and personalised service – these are just some of the things you could enjoy as a Premium Credit Cardmember.


The Preferred Rewards Gold Credit Card and The Platinum Card® allow you to earn 1 Membership Rewards point for every £1 spent, but certain spending with these Premium Cards can help you accumulate more rewards at a faster rate.


For example, you could earn more when making airline, non-sterling or American Express Travel purchases with the Preferred Rewards Gold Credit Card, or when spending at American Express Travel Online with The Platinum Card.


Our British Airways American Express® Premium Plus Card earns you 1.5 Avios for every £1 spent on purchases, and this increases to 3 Avios for every £1 spent on British Airways or BA Holidays. Find more details about enhanced point
earning on the Card pages. With a Premium Credit Card, you can make the most of personalised services like 24/7 Platinum Concierge with The Platinum Card – whether you need to adjust your travel arrangements or make a dinner booking.


Small business owner? Our Platinum Business Card boasts a range services to suit your needs – from extended payment days to no pre-set spending limit.


You could also make the most of American Express Experiences® to catch some of the best shows in town. Priority tickets are reserved exclusively for our Cardmembers. Whether your passion is music, film or theatre, we can get you closer to the action.

Premium Credit Card Benefits at a Glance

Depending on which American Express Premium Credit Card you choose, you could look forward to:


  • A welcome bonus to get you started.
  • The ability to earn rewards faster on your purchases.
  • Refund Protection and Purchase Protection for peace of mind.
  • Online fraud guarantee: In the unlikely event you’re a victim of card fraud, and you’ve taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity.
  • Exclusive travel benefits, such as companion tickets and Travel Insurance.
  • Worldwide access to airport lounges.
  • 24/7 customer service: Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 by phone, text, email or mail.
  • Global Assist®: No matter where you are in the world, our team is here to provide emergency help whenever you need it.
  • Access to American Express Experiences.


Premium Credit Cards with Airport Lounge access


Want a Credit Card with airport lounge access? Our Platinum Card, Platinum Business Card and Preferred Rewards Gold Credit Card give you access to over 1,300 airport lounges
worldwide. So you can enjoy a little downtime before you jet off.


You’ll also benefit from complimentary hotel upgrades and comprehensive worldwide travel insurance.

Compare Premium Credit Cards

As a new Cardmember, earn 40,000 Membership Rewards® points ​when you spend £6,000 in your first three months of Cardmembership. 18+, subject to status. Terms apply. 6


Representative 704.6% APR variable 



  • Refined travel — unique access to airport lounges, handpicked hotels and complimentary offers
  • Worldwide Travel Insurance for you and your immediate family
  • Platinum Concierge can take care of travel and lifestyle plans












As a new Cardmember, collect 25,000 bonus Avios
when you spend £3,000 in your first three months of Cardmembership. Terms Apply5


Representative 139.9% APR variable




  • 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, Iberia or Aer Lingus 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 person.  *From 1 November you will need to spend £15,000 within each membership year to earn a Companion Voucher. For example, if your next anniversary date is 1 Feb 2025 you would need to either spend £10,000 by 31 October 2024 or spend £15,000 by 31 January 2025 to earn your Companion Voucher for this membership year.1
  • Automatic enrolment to the British Airways Executive Club
  • Travel and shopping protection
As a new Cardmember, earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. 18+, subject to status. Terms apply.4
Representative 88.8% APR variable
  • Easily transfer points to frequent flyer3 and hotel programmes
  • Complimentary Priority PassTM membership plus four airport lounge passes per year to use globally
  • 10% off Hertz base car rental rates













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 to suits your needs and lifestyle.