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How to pay off your Credit Card

How to pay off your Credit Card

There are a few ways to make Credit repayments. Read on for help understanding what your options are.

Card Repayments Explained

What are Card repayments?

When your statement arrives, you will have a choice of repayment options. You can pay off the entire Credit Card bill on, or before, the statement due date – in which case you’ll avoid paying more interest – or you can choose to spread your Credit Card repayments out over time by paying at least the minimum monthly repayment amount. This option will mean you will be paying more interest.

Log into your account to manage your repayments

Charge Card payments

If you have an American Express Charge Card you are not able to revolve your balance, which means you need to repay the full balance on your statement period.

Pay off your Credit Card bill more efficiently

You have a number of options that will help you effectively manage your Credit Card balance. Use the Amex® mobile app to keep a close eye on your balance. And, of course, paying off your balance in full each month.

However, if paying off your Credit Card bill in full isn’t an option, you can always reduce the amount of interest you’ll have to pay by paying more than the minimum monthly repayment amount.

Remember, the only way to avoid paying interest is to pay off your total Credit Card balance on or before the statement due date.

Automatic Credit Card payment plans

Automatic payment plans are a great way to ensure that you pay your Credit Card bills on time.

If you set up a direct debit to automatically pay a certain amount every month or the full balance, you’ll always have the peace of mind of knowing you’ve made a payment. You can also create SMS or email alerts to remind you that payment is due.


Credit Card minimum repayment

What exactly is a ‘Credit Card minimum repayment’?

The minimum repayment is the very least you have to pay by the payment due date to meet the obligations of your Credit Card contract.

You can find out what your minimum repayment amount is by referring to the terms and conditions for your Card Account.


Useful terms

Opening balance

The balance on your account at the beginning of a particular statement period.

Closing balance

The amount you owe at the end of a particular statement period.

Minimum monthly repayment

The minimum you have to pay each statement period. It is not recommended as a long-term solution because if you make only the minimum monthly repayments, you will pay more interest and it will take you longer to pay off your balance.

Minimum payment due date

The final day by which you have to pay at least the minimum monthly repayment amount to avoid late payment charges.


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 Credit Card fees am I expected to pay

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 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

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

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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.