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American Express® Rewards Cards


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



What is a Rewards Credit Card or Charge Card?


Put simply, a Rewards Card allows you to earn points, earn miles or cashback on your everyday purchases. The type of reward, and how quickly it can be earnt, will depend on the Card you choose. 



How does a Reward Credit Card or Charge Card work?


Use your American Express Rewards Credit Card or Charge Card to make purchases and earn rewards on every pound you spend. Rewards are added to the Cardmembers’s Account and can be redeemed for things such as flights and hotel stays, shopping, and much more.


How to choose a Rewards Credit Card or Charge Card


When choosing a Card, consider what rewards would best enhance your lifestyle. Depending on your Card, rewards could include cashback, Avios points to put towards flights for you next vacation, or Membership Rewards® points.

American Express Membership Rewards® allow you to:


Pay with points

Paying for purchases with your American Express Membership Rewards Points can save you money day-to-day. You can also choose to make a donation.


Shop with points

Our partners make it easy to shop with your points, watch live sport or even visit the theatre. Use your American Express Membership Rewards points to make purchases at Amazon and Ticketmaster, for example.


Travel with points

Travel is one of the great joys in life. That’s why American Express offers our Cardmembers every opportunity to discover the world with Membership Rewards points. Whether you’re planning a business trip, a weekend away or an overseas holiday, American Express Travel Rewards can help you get there.


Claim Gift Cards

Use your American Express Membership Rewards points for Gift Cards from a wide range of our retail, entertainment and travel partners.


Find out more about Cashback Cards, Travel Rewards Cards and Premium Cards.

If you're a small business owner you can also earnpoints on your business spend with an American Express® Business Card. These can be redeemed for computers for the office, flights for business travel, or corporate gifting and entertainment.

Compare Rewards Credit Cards and Charge Cards

As a new Cardmember, Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Terms Apply.6
Representative 70.1% APR variable 


  • Get Membership Rewards points for every pound you spend and redeem with a range of shopping, travel and lifestyle partners
  • Unlike other loyalty programmes, Membership Rewards points never expire. Get shopping, travel and entertainment rewards or even offset any purchase made on your Card.












As a new Cardmember, collect 5,000 bonus Avios when you spend £1,000 in your first three months of Cardmembership. Terms apply7



Representative APR 27.2% APR variable


  • 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.
  • Automatic Enrolment to the British Airways Executive ClubTravel and shopping protection3




As a new Cardmember earn 20,000 bonus Marriott Bonvoy® points when you spend £3,000 in the first three months of Cardmembership. Terms Apply8
Representative APR 44.8% 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














Reward Card Benefits at a Glance

American Express Rewards Credit Cards and Charge Cards offer you:
  • A welcome bonus of rewards to get you started
  • The ability to earn rewards on all your spend
  • Purchase Protection
  • Online fraud guarantee
  • Selected Cards include Travel Inconvenience and/or Travel Accident benefits
  • 24/7 customer service
  • Access to our American Express Experiences programme.




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

Explore Cards by Category

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.


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.