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What is Credit Card Interest?

We’ll help you decipher the jargon around Card interest so you really understand how it works when it applies to Credit Cards.


Credit Card Interest Explained

Charge Card or Credit Card - what’s the difference?


A Charge Card is similar to a Credit Card in that they’re both convenient ways to pay for goods and services, with repayment delayed until the end of that particular statement period.


The main difference is a Charge Card requires you to pay off your balance in full each month, which means you cannot roll over your balance into the next month. With a Credit Card you have the freedom to pay off your balance all at once or over several months


Learn more about Charge Cards

Useful terms

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 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

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