All the information you’ll need to apply for an American Express® Credit Card and Charge Card.
To apply for a personal Card in the UK you need to meet certain eligibility criteria. To save time you can use the following checklist:
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
Some of our Cards may require different criteria in order to be issued. You may need to provide additional details in order to complete your application.
Once you’ve decided on the Card which is right for you, it’s easy to apply online. Make sure you read the detailed information and then use the 'Apply now' button to start the application process. You will also be able to decide how you'd like your name to be displayed.
Your application will normally takes less than 10 minutes to fill out and we may be able to give you a response in less than 60 seconds.
Want to check your likelihood of being approved prior to submitting a formal application?
It only takes a few minutes to find out if you are eligible with our online Eligibility Checker tool. It won’t affect your credit rating and you can find out quickly whether a formal application is likely to be approved.
When you submit your Card application you will be asked for the following information:
Having all of this information to hand before you start your application will make your application process smoother.
Once you have chosen a Card, read the Terms and Conditions, then click the ‘Apply now’ button on your chosen Card page to begin your application.
The Card application takes less than 10 minutes. You’ll be asked to input the personal and financial information outlined previously, after which you can review a summary to ensure that all the information you’ve provided is correct before submitting your application.
When considering your application, we will ask a credit reference agency to carry out a credit assessment.
If you have any additional questions about this process or need further assistance, please contact our team on 0800 032 7642.
When you apply for a Credit Card or a Charge Card, your application will undergo a credit check which includes an evaluation of your credit history.
A credit check is the process undertaken by American Express to ensure you are able to meet the obligations of a Credit or Charge Card contract. Generally, it means looking at:
We provide a range of UK Credit Cards and Charge Cards that offer various rewards and benefits. Whether you want to collect points, get cashback, enjoy travel rewards or premium entertainment and lifestyle experiences, American Express has a Card for you.
When searching for a Card, you should take time to consider the fees and possible interest charges, as well as how much you can afford to repay each month.
Find a Card that will complement and reward your lifestyle by selecting a type of Card.
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
Representative 76.0% APR variable
Representative 22.9% APR variable
Representative 57.6% APR variable
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
Representative 76.0% APR variable
Representative 57.6% APR variable
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
Representative 57.6% APR variable
Representative 22.9% APR variable
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
Representative 28.2% APR variable
Representative 22.9% APR variable
Representative 22.9% APR variable
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
Representative 57.6% APR variable
Representative 22.9% APR variable
Representative 22.9% APR variable
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
Representative 22.9% APR variable
Representative 22.9% APR variable
Representative 22.9% APR variable
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?
What Credit Card fees am I expected to pay?
How to apply for a Credit Card
Explore Our Credit Cards
Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.
