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.
- 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 25.3% APR variable
- Companion Voucher2 when you spend £12,000 per anniversary year
- Automatic Enrolment to the British Airways Executive ClubTravel and shopping protection3
- Travel and shopping protection
- Automatic upgrade to Gold Elite Status4 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
- 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.
Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 via the app, email or text.
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 .
Whenever you need us, wherever you are, our Customer Care Professionals are available 24/7 via the app, email or text.
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 .
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.
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.
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.
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.
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.
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.
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
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.
SOME OF OUR CASHBACK CARDS
Premium Cards
Receive a variety of premium benefits such as airport lounge access or 2-4-1 travel vouchers on top of earning points for your everyday spend.
SOME OF OUR PREMIUM CARDS
Travel Rewards Cards
Enjoy all the benefits, convenience and security of an American Express Card when travelling, with the added bonus of earning points when you make purchases at home and abroad.
SOME OF OUR TRAVEL REWARDS CARDS
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.
SOME OF OUR FREQUENT FLYER CARDS
Rewards Cards
Get the most out of life.
Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for gift cards, hotels, and more.
SOME OF OUR REWARDS CARDS
No Annual Fee Cards
Get the most out of your Card with no annual fee.
Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.
SOME OF OUR NO ANNUAL FEE CARDS
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.
1. Membership Rewards Points earned on your Card can be redeemed for a wide variety of shopping, travel and entertainment rewards. Points can also be transferred to 12 frequent flyer and hotel loyalty programmes. For more information please visit membershiprewards.co.uk.
2. Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found here or by calling 0844 493 0750. Please note, calls cost a maximum of 7p per minute, plus your phone company’s access charge. All applicable Terms and Conditions will be provided within your Welcome Pack if you are approved.
3. Subject to enrolment, for more information click here. 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.
4. Earn Gold Elite status after making £15,000 in eligible purchase on your Card in a calendar year. This includes 25% Bonus Points on Stays, Gold Welcome Gift of Points (250/500 Points, Varies by Brand), 2p.m. Late Checkout (Based on Availability), Enhanced Room Upgrade (Based on Availability), Complimentary Enhanced In-Room Internet Access, Dedicated Elite Reservation Line.
5. 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.
6. 20,000 Membership Rewards bonus points: The 20,000 Membership Rewards bonus points will be awarded onto your Account once you have been approved and you have spent and charged £3,000 within the first three months of Cardmembership. Cardmembership begins from Card approval. Please note that it can take up to one month for bonus points to be awarded to your Account.
7. This new Cardmember offer is only available if you have not held a personal American Express Card within the previous 24 months. If you have held a personal American Express Card within the previous 24 months, you will be entitled to all other Card benefits, excluding the welcome offer. 5,000 bonus Avios: 5,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within three months of Cardmembership. Cardmembership begins from Card approval. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
8. 20,000 Marriott Bonvoy bonus points: You will receive 20,000 bonus points when you spend and charge £3,000 within the first three months of Cardmembership. Introductory offers are not available if you currently hold or have held any other personal American Express Cards in the past 24 months. Please note that it can take up to two months for bonus points to be awarded to your Account. Please see complete information on complimentary nights by visiting Marriott.co.uk
1. Membership Rewards Points earned on your Card can be redeemed for a wide variety of shopping, travel and entertainment rewards. Points can also be transferred to 12 frequent flyer and hotel loyalty programmes. For more information please visit membershiprewards.co.uk.
2. Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found here or by calling 0844 493 0750. Please note, calls cost a maximum of 7p per minute, plus your phone company’s access charge. All applicable Terms and Conditions will be provided within your Welcome Pack if you are approved.
3. Subject to enrolment, for more information click here. 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.
4. Earn Gold Elite status after making £15,000 in eligible purchase on your Card in a calendar year. This includes 25% Bonus Points on Stays, Gold Welcome Gift of Points (250/500 Points, Varies by Brand), 2p.m. Late Checkout (Based on Availability), Enhanced Room Upgrade (Based on Availability), Complimentary Enhanced In-Room Internet Access, Dedicated Elite Reservation Line.
5. 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.
6. 20,000 Membership Rewards bonus points: The 20,000 Membership Rewards bonus points will be awarded onto your Account once you have been approved and you have spent and charged £3,000 within the first three months of Cardmembership. Cardmembership begins from Card approval. Please note that it can take up to one month for bonus points to be awarded to your Account.
7. This new Cardmember offer is only available if you have not held a personal American Express Card within the previous 24 months. If you have held a personal American Express Card within the previous 24 months, you will be entitled to all other Card benefits, excluding the welcome offer. 5,000 bonus Avios: 5,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within three months of Cardmembership. Cardmembership begins from Card approval. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
8. 20,000 Marriott Bonvoy bonus points: You will receive 20,000 bonus points when you spend and charge £3,000 within the first three months of Cardmembership. Introductory offers are not available if you currently hold or have held any other personal American Express Cards in the past 24 months. Please note that it can take up to two months for bonus points to be awarded to your Account. Please see complete information on complimentary nights by visiting Marriott.co.uk