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What is surcharging?

What is surcharging?

A Card surcharge is a fee that a business adds to the amount of a purchase when a customer uses a Credit or Charge Card.
It’s something that most Cardmembers have experienced and dislike a lot. We’ve created this page to answer your questions about surcharging and clear the air about some of the common surcharging myths.

Card surcharge Explained

What does American Express think of surcharging?

American Express strongly opposes surcharging. We’re working hard to educate businesses about the damage surcharging causes to customer satisfaction and loyalty, so the decision not to surcharge is an easy one.

Consumers hate it and businesses are making a choice to pass it on. The good news is that most businesses don’t surcharge; respecting how their customers choose to pay.

American Express has joined forces with a collective of leading UK retailers, business associations and advocates to launch a new Surcharge Free movement to educate businesses about the benefits of not surcharging their customers.

The movement aims to see more businesses across the country scrap payment surcharges once and for all.


What can we do about surcharging

What can we do about surcharging?

The best way to show a business that you don’t like surcharging is to tell them directly, and then take your business elsewhere.

If there is a business that specifically surcharges American Express Cards, please let us know about it and we will see what we can do about it.


Credit and Charge Cards Explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card guides are a great place to start.

How Credit Cards and Charge Cards work

Learn More

Where is American Express accepted

Learn More

Using your Card Abroad

Learn More

How to apply for a Credit Card

Learn More

What Credit Card fees am I expected to pay

Learn More

What is Credit Card Interest

Learn More

What is Credit Limit

Learn More

How to choose a type of Card

Learn More

What is a Charge Card

Learn More

How to pay off your Card

Learn More

What is Credit Score

Learn More

American Express Benefits


Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your card

Learn More about Fraud Protection


Access to our customer service is available 24/7 by phone, text or email.

Learn More about Customer Service


Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay and Apple PayTM you can even pay with your phone.

Learn more about Contactless Payments

Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.

5% cashback will be payable to you by us on all your purchases made in the first three months up to £125. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Any cashback from introductory offers will be credited to your Account in your card anniversary month. Your Card anniversary month is the one month period each year following the date on which your Account was opened. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (

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.