Card Account
Business Accounts
Other Accounts
Help & Support
Personal Cards
Business Cards
Corporate Solutions
Gift Cards
Online Travel
Travel Resources
All Insurance
Insure My Travels
Merchants
Business Cards
Corporate Solutions
Global Network
Help & Support
There are lots of different types of Cards. This section will explain how to choose and how Credit Cards and Charge Cards work.
A Credit Card gives you the flexibility to pay for purchases in full or over several months.
Charge Cards are another type of payment method. If you have a Charge Card you are required to pay off your balance in full every month. You do not have the option to carry over a balance.
Apply for an American Express Credit Card online. You’ll get a response within 60 seconds.
Some American Express Credit Cards charge an annual fee. The amount will vary depending on the Card you apply for.
It is important to remember hat if you have a Credit Card and you don't pay off your balance in full by the due date shown on your statement, you will be charged interest on all purhcases shown on that month's statement.
At the end of your statement period, you can decide how much of your balance you want to pay off but you will need to pay the minimum repayment amount. You can find out about your minimum payment and how it is formed by looking at your Credit Card agreement.
American Express® Cards are accepted around the world, so you can have peace of mind when using your Card to make purchases overseas.
A supplementary card allows the Basic Cardmember to add another person to their Account, sharing the benefits of American Express Card membership with a family member or friend.
Discover what cashback is and how cashback works in this comprehensive article.
Charge Card VS Credit Card - What’s the difference?
A Charge Card is similar to a Credit Card in that they’re both convenient ways to pay for goods and services, with repayment delayed until the end of that particular statement period.
The main difference is a Charge Card requires you to pay off your balance in full each month, which means you cannot roll over your balance into the next month. With a Credit Card you have the freedom to pay off your balance all at once or over several months
Useful Terms
The period in which the transactions reported on your statement relate to. Generally, your statement period will be every 30 days, the actual dates can vary slightly from month to month.
When you use your Credit Card, you are borrowing money from a lender – and will be charged interest unless you repay the full balance within a specified period. Interest is usually expressed as an annual percentage rate, also known as the interest rate.
Interest free days are the time from when you buy something using your Credit Card to when interest is applied to that purchase balance – usually at the beginning of your next statement period.
When your statement arrives, you will have a choice of repayment options. You can pay off the entire Credit Card bill on, or before, the statement due date and you won’t incur any interest (not including interest on cash withdrawals). Alternately, you can choose to pay off your balance over several months, in which case you will be charged interest on your outstanding balance.
The amount you owe at the end of a particular statement period.
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
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
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
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 flights, hotels, gift cards 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
At American Express, we take your security seriously. That’s why we have measures in place to ensure you can shop with confidence.
Get more peace of mind through our Intelligent Security Systems, Secure Payment Process, and Fraud Protection Guarantee2.
Damaged a purchase or having trouble getting a refund? With eligible Cards, you can rely on us to put things right with 90 days’ Purchase and Refund Protection3.
We’re continually updating our online security features, but there are also some simple steps you can take to protect yourself.
Leave your wallet at home and enjoy the convenience of mobile payments. You can now make payments through contactless technology with your American Express® Card using Apple, Samsung and AndroidTM devices. To get started, all you have to do is scan your Card into the app and follow the prompts.
Explore Our Credit Cards
Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.
