How to apply for a Card?

When you submit your Card application you will be asked for the following information:

• Personal information: including your name, email address, date of birth and nationality.

• Contact details: including your phone number and current address. If you’ve lived at your current address for less than three years, you will also need your previous address.

• Financial information: including your annual personal income and any other household income, your employment status and employer contact details, as well as how long you’ve been with your bank or building society.

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:

• Your ability to repay

• Your financial responsibility

• Your chance of defaulting, not paying back your debt

• Your credit history.

Learn more about Credit Score