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What are Credit Card Surcharges?


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?


As of 13 January 2018, the government banned surcharging of consumer payment products in the UK, meaning that businesses can no longer add a fee to the purchase amount when consumers use a Credit or Charge Card.


American Express welcomes the ban and believes this decision will create a level playing field for consumers and will give them the confidence to use the payment method of their choice.



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


Where is American Express accepted


Using your Card Abroad


How to apply for a Credit Card


What Credit Card fees am I expected to pay


What is credit card Interest


What is a Credit Limit


How to choose a type of Card


What is a Charge Card


How to pay off your Card


What is Credit Score


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.



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



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.


Explore Our Credit Cards

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