American Express® Rewards Credit Cards


Enjoy all the benefits, convenience and security of an American Express® Credit Card – with the added bonus of earning rewards as you spend.

What are Rewards Credit Cards?

A rewards card allows you to earn points on everyday transactions, which you can redeem for a wide range of retail and travel purchases. The type of reward, and how quickly it can be earnt, will depend on the card and your spending habits.


As with regular credit cards, this type of card comes with credit limits and interest rates. To avoid paying interest and maximise benefits, you’ll need to pay off your bill in full each month.


Find out more about how credit cards work and how to use them wisely.

How do Rewards Credit Cards work?


Make card Purchases


Use your rewards credit card to make purchases and earn reward points on every pound you spend.


Collect Points


The amount of rewards you earn is based on your spending. The more purchases you make using your card, the more points you get.


Redeem Rewards


Once you have enough points in your account, you can redeem them for various rewards, such as flights, hotel stays, shopping, and much more.

Types of Rewards Credit Cards

There are several types of rewards credit cards offering:


  • Travel Rewards. Enjoy a relaxing journey with benefits such as travel protection, lounge access, priority boarding and more.

  • Airline Miles . Accumulate Avios on your purchases and spend them on a wide range of travel rewards such as flights, hotel stays, car hire and more.

  • Hotel and Retail Rewards. Accrue hotel and retail rewards or loyalty points and redeem them at your favourite shops.

  • Cashback. Earn cash rewards for your everyday purchases and use the money earned for any purpose, whether that’s saving or paying your bills.

  • Premium Rewards. Collect rewards faster and enjoy travel privileges and personalised service, like having a team of professionals who can help with restaurant reservations, event tickets and special arrangements.

Why choose an American Express® Rewards Credit Card?

When choosing a Card, consider which rewards will best enhance your lifestyle. 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 use your points to make a donation to charity.


Shop with Points


Our partners make it easy to shop with your points, watch live sport or even visit the theatre. For example, you can use your American Express Membership Rewards® points to make purchases at Amazon.


Travel with Points


Whether you’re planning a business trip, a weekend away or an overseas holiday, you can redeem points to book flights, hotels, car rentals and more.


Claim Gift Cards


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

Compare Rewards Credit Cards

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.6
Representative 88.8% 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 £2,000 in your first three months of Cardmembership. Terms apply7



Representative APR 31.0% 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, Iberia or Aer Lingus Reward Flight in Euro Traveller, World Traveller and economy class cabins only. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person2. *From 1 November you will need to spend £15,000 within each membership year to earn a Companion Voucher. For example, if your anniversary date this year is 1 February 2024 you would need to either spend £12,000 by 31 October 2024 or spend £15,000 by 31 January 2025 to earn your companion voucher for the year.
  • 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. 18+, subject to status. Terms apply8
Representative APR 54.8% 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












Frequently Asked Questions


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.

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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.




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.