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What Card fees am I expected to pay?

What Card fees am I expected to pay?

Credit Cards and Charge Cards can sometimes have fees associated with them and can depend on the type of Card you have. Here's what you need to know.

Card Fees Explained

Annual Cardmembership Fee

Some American Express® Credit Cards and Charge Cards charge an annual fee in return for richer rewards, features and benefits. The amount – and value of the rewards – varies from Card to Card. The table below details other American Express Credit Card and Charge Card fees you need to know about.


Useful terms

Cash Advance Fee

Payable if you withdraw cash from your Credit Card account from an ATM.

Non Sterling Transaction Fee:

The amount of the converted Pounds Sterling that is payable.

Returned Payment Fee:

Any payment to your account that is not honoured by your financial institution when first presented, for any reason

Additional Statement Fee: 

Payable if you or a Supplementary Cardmember requests an additional posted monthly paper statement. You may access statements free of charge through your online account.

Late Payment Fee 

Payable if you do not pay the minimum payment required by the due date as shown on your statement.


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

Learn More

Where is American Express accepted

Learn More

What is surcharging

Learn More

Using your Card Abroad

Learn More

What is Credit Card Interest

Learn More

What is Credit Limit

Learn More

How to choose a type of Card

Learn More

What is a Charge Card

Learn More

How to pay off your Card

Learn More

How to apply for a Credit Card

Learn More

What is Credit Score

Learn More

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

Learn More about Fraud Protection


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

Learn More about Customer Service


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.

Learn more about Contactless Payments

Explore Our Credit Cards

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

5% cashback will be payable to you by us on all your purchases made in the first three months up to £125. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Any cashback from introductory offers will be credited to your Account in your card anniversary month. Your Card anniversary month is the one month period each year following the date on which your Account was opened. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (

Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.