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How to apply for a Card?

All the information you’ll need to apply for an American Express® Credit Card and Charge Card.


Applying for a 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.



Check your eligibility

Application Process

How do I choose a Card?


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.


Explore Cards by Category

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.



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 is surcharging?


Using your Card Abroad


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


How to apply for a Credit 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

Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.