How You Earn
1X
Point
On Purchases
for every £1 spent
4,000
Points
Invite a Friend
And earn at least 4,000 points if they are approved - up to 90,000 a year.
How You Earn
1X
Point
On Purchases
for every £1 spent
4,000
Points
Invite a Friend
And earn at least 4,000 points if they are approved - up to 90,000 a year.
Key Benefits
PayPal Pay with Points
You can redeem your Membership Rewards points on eligible purchases at PayPal by choosing to use either Pay with Points, your American Express Card, or a combination of both.
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.
Borrowing
With your Credit Card you have the freedom to pay off your balance all at once or over several months.
Plan ItTM – Instalment Plans from American Express
Spread the cost of your purchases of £100 or more into monthly instalments with a fixed fee.
- No additional application or extra credit checks required
- A fixed monthly fee is shown upfront, with no interest charged on your instalment plan balance
- Earn rewards on the purchases the way you usually do
Learn more by visiting here.
All Benefits
Redeem your Membership Rewards Points
5,000 points
Shopping: £25 M&S Gift Card
10,000 Points
Shopping: £50 Selfridges Gift Card
20,000 Points
Shopping: £100 Amazon Gift Card
40,000 Points
Travel: One return economy flight to Dubai with Virgin Atlantic
Shopping: £200 Selfridges & Co Gift Card
Redeem with American Express or these great partners
Examples representative of redeeming Membership Rewards® points.
Find out more ways to redeem here
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.
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.
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 Protection
We process transactions through secure systems with early fraud detection to help minimise risk, wherever you spend.
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.
Reward Yourself
Travel Benefits
World-class Service
Eligibility
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 earn at least £15,000 per year.
- 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.
- Read Terms and Conditions
- Read Summary Box
- Read Insurance
- Pre-Contract Credit Information
- Cardmember Privacy Statement
- Read Membership Rewards Terms and Conditions
- Cookie Policy
Need help completing your application? Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.
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.
