Need a little help for a big purchase? Or just a safe and easy way to make every-day transactions? A credit card offers a convenient way to make worldwide purchases without cash; extending a line of credit that you pay back later.
Increased buying power, cashback and purchase protection – these are just some Credit Card advantages for Cardmembers. Whether you’re eyeing up a big buy or looking to build your credit score, discover how a Credit Card could enhance your financial flexibility.
By showing how you manage your credit on a regular basis, when used well, Credit Cards could help you build your credit and credit score. Using your Card regularly and making all repayments on time demonstrates financial responsibility to lenders.
With a Credit Card, you’re not limited to the amount in your current account. When used responsibly, Credit Cards can increase your spending power, allowing you to cover big-ticket items when you need them; paying back the balance over time in more manageable instalments. And remember, those larger purchases mean more rewards points.
Many Credit Cards allow you to earn rewards with every purchase made on your Card. With an American Express® Rewards Card, these rewards could be anything from cashback, air miles or rewards points, which can be spent on retail and travel treats as well as other special experiences.
Cashback is a Credit Card benefit that allows you to earn money back on the things you buy with the relevant Card. It’s like getting a small rebate on eligible payments – a straightforward way to earn cash rewards for your everyday
purchases; big and small.
With an American Express® Cashback Credit Card, every time you make a purchase on this Card you’ll receive a percentage of that transaction back as a reward. The more purchases you make, the more cashback you can earn. This then accumulates in your Account and is paid to you as a statement credit every year, around the anniversary of your Account opening.
From Account monitoring to online safety protection and fraud alerts, you're in safe hands with American Express, meaning you can shop confidently. Read more on our Card security features here.
American Express Cards also offer 90-day Purchase Protection. That means if your eligible item is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to £2,500.
Love to travel? Air Mile Credit Cards can take you places, allowing you to earn Frequent Flyer points on every purchase, that can be redeemed for flights, hotel bookings and car hire. Many Credit Cards also offer luxury travel benefits, such as complimentary lounge access and travel insurance.
American Express Cards can be used around the world – the ultimate travel companion.