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The American Express® Rewards Low Rate Credit Card - 9.9% APR

Low interest rate and earn 5,000 bonus Membership Rewards® points when you spend £500 in your first 3 months of Cardmembership
Representative 9.9% APR
Representative Example

Representative APR
9.9% APR variable
Annual fee
No annual fee
Credit Limit
Assumed credit limit of £1,200
Purchase Rate
9.9% variable for purchases
Product Terms Read 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, Currys PC World and House of Fraser.

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.

Reward yourself

Earn points and get the rewards you really want.
  • Earn Membership Rewards points on all your spend on purchases.
  • Earn 5,000 bonus Membership Rewards® points when you spend £500 in your first three months of Cardmembership.

World-class service

  • As you might expect from us, the service is a little bit special. The first person to answer your call will be your contact until the matter is resolved. You can phone, text or email us 24/7 and we’ll get on it right away. But that’s just where we start from.
  • Enjoy Refund Protection on eligible items. If the UK retailer won't refund the eligible item, we will, up to a maximum of £200.
  • You also get 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.
  • Don't recognise a purchase? We'll remove it from your Account immediately and investigate it for you as part of our online fraud guarantee.
  • Make your next night out a memorable one with American Express Invites, enjoy access to some of the most in-demand music, film and theatre events in town.

Travel

  • Enjoy your travels. We’re there if you need us with travel accident insurance up to £150,000 with emergency help 24/7 anywhere in the world.
Reward yourself
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 House of Fraser 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.
Eligibility
To save time before you apply for your American Express Rewards Low Rate 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 the Welcome Bonus if I hold or have held within the past six months any Membership Rewards enrolled American Express Card.
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

Ready to apply?

Earn 5,000 bonus Membership Rewards® points when you spend £500 in your first 3 months of Cardmembership
The American Express Rewards Low Rate Credit Card is offered by American Express Services Europe Limited. Click here for more information
Apply Now