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American Express® Rewards Cards

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.

Why choose an American Express Rewards Card?

With an American Express rewards Credit Card or Charge Card, you have the additional benefit of earning rewards virtually every time you use your Card. And, depending on your Card, your rewards can be cashback, Nectar points, Avios, Starwood points or Membership Rewards® points which you can exchange for complimentary travel, special treats and unique experiences.

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

What's more, every Cardmember enjoys American Express Invites® , which reserves tickets to some of the hottest shows exclusively for our Cardmembers. Whether your passion is concerts, theatre, or film, you'll be sitting comfortably with American Express Invites.


Our Rewards Credit Cards and Charge Cards

American Express® Preferred Rewards Gold Credit Card

Earn 20,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership Representative 57.6% APR variable
  • Easily transfer points to frequent flyer and hotel programmes
  • 2 complimentary Lounge visits per year
  • 10% off Hertz base car rental rates
Terms and Conditions

British Airways American Express® Credit Card

5,000 bonus Avios welcome offer Representative 22.9% APR variable
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic Enrolment to the British Airways Executive Club
  • Travel and shopping protection
Terms and Conditions

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

Enjoying rewards

Travel with points

Travel is one of the great joys in life. That’s why American Express offers our Cardmembers every opportunity do so with their 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.
Choose from:

American Express Travel Online

  • From last-minute mini breaks to exciting adventures, discover a world of travel experiences at prices you'll love.
  • Benefit from our years of experience, excellent service and support, from the moment you book to the moment you come back.
  • Pick up points even faster with additional Membership Rewards points for every £1 spent on eligible flights, hotels, car hire and experiences. Terms Apply.

Airline and Hotel partners

  • With up to 13 airline transfer partners and 3 hotel partners for our One World Cardmembers to choose from, you can transfer your Points directly to your preferred airline or hotel to travel practically anywhere in the world.
  • Once your points have been transferred, all you have to do is make your booking.

  • View Transfer Partners

British Airways Credit Cards

  • Earn Avios and use them to help jet off to distant shores, stay in luxury hotels, and explore with car rental.

Starwood Preferred Guest Credit Card

  • Earn a 30,000 points bonus when you spend £1,000 in the first three months of Cardmembership

Pay with points

Paying for your purchases with your American Express Membership Rewards Points, or using a combination of Points and payment, can do wonders for your cash flow. You can also use your Points to pay your annual fee on selected Cards, make a donation or redeem American Express Membership Rewards Points for a credit on your account. The choice is yours with American Express.

Shop with points

Our partners make it easy to use your Points to shop, watch live sports or even visit the theatre. With American Express Membership Rewards, use Points to make purchases at Amazon and Ticketmaster, so whether it's a new iPad or a night out, your Points could be the ticket to something you'll adore.

Gift Cards

Not sure what to give? A Gift Card could be the perfect solution. Use your American Express Membership Rewards Points for Gift Cards from a wide range of our retail, entertainment and even travel partners.

Our gift cards, offer a unique gift that puts incredible choice in the lucky recipient's hands.

Refer friends. Get rewarded.

Your friends are a fast way to earn more rewards.

All you have to do is refer a friend to American Express and, if they're approved as a Card Member, you'll both get bonus Points. You could earn bonus Avios or Cashback by simply referring your friends. Terms and conditions apply. Available for selected products only.

Earn extra points with a supplementary Card

American Express Supplementary Cards are an ideal way to maximise your Membership Rewards earning potential. Every eligible purchase made by your Supplementary Cardmembers earns points directly to your Account, and they can enjoy many of the same great Card benefits and protections that you do.

Maximise your Points

As an American Express Cardmember you can make more of your passions with exclusive access to a wide range of entertainment events and special benefits at over 400 restaurants around the world.

Get a chance to buy tickets for the hottest shows - often before they go on sale to the public. We also reserve some of the best seats for the best shows for Cardmembers.

Look forward to special dining benefits at select restaurants including either a 20% discount off your food bill, a complimentary bottle of wine, or a complimentary starter/dessert.


Key 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 virtually 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 Invites programme.

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.

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.

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, online 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.

If things should go wrong, we'll soon put them right. Our Rewards Cards offer Refund Protection and Purchase Protection on eligible items bought in the UK on your Card for up to 90 days. Depending on which Rewards Card you have, if you bought an eligible item on your Card and it's stolen or damaged within 90 days, we'll replace or repair it, or give you a refund.

Accepted around the world

Wherever your travels take you, you can take your American Express Rewards Card. Even better, one of our Rewards Cards – The American Express® Preferred Rewards Gold Credit Card – allows you to earn double Membership Rewards points for spend made in a foreign currency.

Your spend abroad is converted to pounds sterling as soon as we process the transaction, based on the American Express exchange rate which is set daily.

If your transaction is in US dollars, the amount will be converted directly to pounds sterling. If it's in another currency, it's converted to US dollars and then to 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, get updates on your American Express Rewards Card spending sent direct to your phone, pay your bills easily, and manage your 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

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 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 Credit Card.

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 suit your needs

Explore our range of Cards, you're bound to find 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.

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.

Terms and Conditions apply to points redemptions and are subject to availability. Detailed information can be found here. All applicable Terms and Conditions will be provided to you as you receive your Card when approved.