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The American Express® Rewards Credit Card

As a new Cardmember , earn 5,000 Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership
Representative 22.2% APR
Representative Example

Representative APR
22.2% APR variable
Annual Fee
No annual fee
Credit Limit
Assumed credit limit of £1,200
Purchase Rate
22.2% variable for purchases
Product TermsRead summary box

Key Benefits

Earn points

Earn one Membership Rewards® point for every full pound you spend on purchases.

Redeem points

Redeem your points with our great partners, including Amazon, Boots and Currys PC World.

Travel and shopping protection

Shop with confidence online, on the high street and on your travels with built-in shopping and fraud protection for you and your Supplementary Cardmembers.


With your Credit Card you have the freedom to pay off your balance all at once or over several months.

Reward Yourself

  • Redeem Your Membership Rewards Points
  • American Express Offers
  • American Express Experiences
Read more


  • Global Assist®
  • Travel Accident Insurance
Read more

World-class Service

  • Complimentary Supplementary Cards
  • Refund Protection
  • Purchase Protection
  • Fraud Guarantee
Read more
Reward Yourself
Welcome Bonus
Earn 5,000 bonus Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership.
Redeem your Membership Rewards Points
5,000 points
Travel: £25 buyagift.co.uk eCode

Shopping: £25 Gift Card at Boots, Currys PC World and others

Experience: £25 Gift Voucher to redeem at Spafinder Wellness 365 eCode

10,000 Points

Travel: One night in a Category 2 Hotel with Club Carlson such as the Radisson Blu Hotel, Libson. Terms apply.

Shopping: £50 Harrods Gift Card

Experience: £50 Buyagift.co.uk eCode

20,000 Points

Shopping: £100 Amazon Gift Card

Experience: £100 Spafinder Wellness 365 eCode, choose from over 1000 spas across the UK and Europe

40,000 Points

Travel: One return economy flight to Dubai with Virgin Atlantic

Shopping: £200 Selfridges & Co Gift Card

Experience: £200 Mr & Mrs Smith eCode
Redeem with American Express or these great partners
Examples representative of redeeming Membership Rewards® points.
American Express Offers
Enjoy carefully selected offers from our range of retail and travel partners.
American Express Experiences
Enjoy access to purchase tickets to some of the most in-demand music, film and theatre events in town.
Invite Friends, get Rewarded
Invite a friend and earn 4,000 bonus Membership Rewards points if they are approved – up to 90,000 points a year. You can put them towards flights, Amazon purchases or paying off your balance. Find out more here.
Travel Benefits
Global Assist®
provides 24/7 help whenever you are travelling outside the UK.
Travel Accident Insurance
up to £150,000 cover on public transport when you buy your ticket with your Card.
World-class Service
Complimentary Supplementary Cards
Add family members or a partner to your Account and earn Rewards faster.
Refund Protection
Enjoy Refund Protection on eligible items. If the UK retailer won't refund the eligible item, we will, up to a maximum of £200.
Purchase Protection
If you bought it on your Card and it's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item.
Fraud Guarantee
If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.
Receive your Card in the Post
Once approved, you’ll receive your Card in the post, so you can start earning Membership Rewards® points on your spend straight away.
To save time before you apply for your American Express Rewards Credit Card, it’s best to make sure you can say yes to the following.
  • I am aged 18 or over.
  • I have a current UK bank or building society account.
  • I have a permanent UK home address.
  • I have no history of bad debt.
  • I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal American Express Card in the past 24 months.
If you can say yes, go ahead. Your application could take less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.
Product Terms

Please ensure that you have read and downloaded these important documents before starting your application.
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.

Apply today and get a decision in as little as 60 seconds.
The American Express Rewards Credit Card is offered by American Express Services Europe Limited. Click here for more information
The American Express Rewards Credit Card is offered by American Express Services Europe Limited. Click here for more information