American Express Credit Cards

American Express has a wide range of credit cards, predominately offering rewards, cash back and loyalty points. Choose the card that suits you and apply online today.

 APPLY ONLINE

Credit Needed
Good
  • 3,000 bonus Avios when spending £500 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Avios
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: 22.9% APR variable. Based on an assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable

 APPLY ONLINE

Credit Needed
Excellent
  • Welcome Bonus of 40,000 Bonus Points if you spend £6,000 in the first three months of Cardmembership (T&Cs apply)
  • Comprehensive Worldwide Travel Insurance for business or pleasure
  • Earn 1 Membership Reward point for virtually every full £1 you spend on the card
  • Lounge Access and Platinum Concierge Service
  • Annual fee: £450
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • The business must have a current UK bank or building society account and no CCJs
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Membership Rewards
    Annual Fee
    £450
    Representative APR (variable)
    N/A*
    APR
 APPLY ONLINE

Credit Needed
Excellent
  • Receive 30,000 membership reward bonus points – enough for one return flight from London to selected European destinations, when you spend £2,000 in the first three months
  • Worldwide travel insurance for you and your family
  • Fast track access through outbound security at Heathrow
  • Share the benefits with up to five complimentary Supplementary Cards with no annual fee
  • Annual fee: £450
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Membership Reward Points
    Annual Fee
    £450
    Representative APR (variable)
    N/A*
    APR
 APPLY ONLINE

Credit Needed
Excellent
  • Earn a 10,000 Starpoints bonus when you spend £1,000 in your first 3 months of cardmembership
  • Receive a free weekend night when you spend £25,000
  • Automatic upgrade to SPG Gold Preferred status when you spend £15,000 in purchases on your Card each year
  • Global Assist® provides help when you travel outside the UK, in your own language, 24/7
  • Earn 1 Starpoint everywhere you spend
  • £75 annual fee
  • Excellent credit rating required
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Reward Points
    Annual Fee
    £75
    Representative APR (variable)
    36.2%
    APR

Representative Example: 36.2% APR variable. Based on £75 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9% p.a.(variable)

 APPLY ONLINE

Credit Needed
Excellent
  • Earn 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months of Cardmembership. That's enough for flights from London to Marrakech and any of 93 European destinations, including Paris, Milan or Lanzarote. Terms, taxes, fees and charges apply
  • Earn one Membership Rewards point for virtually every £1 spend on your Card
  • $75 USD hotel credit and room upgrade where available at over 350 hotels globally including Hilton, InterContinental and Sofitel
  • Complimentary membership to the LOUNGE CLUB, entitling you to two complimentary visits per year to over 350 airport lounges globally
  • Annual fee: Free for first year; £140 thereafter
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Membership Rewards
    Annual Fee
    £140
    Representative APR (variable)
    N/A*
    APR
 APPLY ONLINE

Credit Needed
Excellent
  • No fee for the first year (normally £25
  • 20,000 Nectar bonus points welcome offer - worth £100 to spend with Nectar partners when you spend £2,000 on your account in the first three months
  • Collect 2 Nectar points for almost every £1 you spend
  • Collect 4 points for virtually every full £1 spent at Nectar partners
  • Complimentary Supplementary cards for a family member, so you can collect even more Nectar points
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Nectar Points
    Annual Fee
    £25*
    Representative APR (variable)
    25%
    APR

Representative Example: 25.0% APR variable. Based on assumed credit limit of £1200 and an annual fee of £25. Interest rate for purchases: 19.9% p.a. variable.

 APPLY ONLINE

Credit Needed
Excellent
  • Get a rocking 5% cashback for your first 3 months of Cardmembership (up to £100)*
  • After the first 3 months of Cardmembership you will earn up to 1% cashback, depending on how much you spend on the card
  • No Annual Fee
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt

*As long as you spend a minimum of £3,000 in a year, every full pound you spend on purchases qualifies for cashback
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Cashback
    Annual Fee
    £0
    Representative APR (variable)
    22.9%
    APR

Representative Example: 22.9% APR variable. Based on assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable.

 APPLY ONLINE

Credit Needed
Excellent
  • Get a rocking 5% cashback up to £125 cashback for your first 3 months of Cardmembership
  • Earn up to 1.25% cashback if you spend over £10,001 (and 1% on all purchases under that amount)
  • Apple Pay enabled payments
  • £25 Annual Fee
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Cashback
    Annual Fee
    £25
    Representative APR (variable)
    28.2%
    APR

Representative Example: 28.2% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable

 APPLY ONLINE

Credit Needed
Excellent
  • 18,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership
  • 1.5 Avios for virtually every £1 you spend
  • Companion voucher when you spend £10,000 each card anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident and have no history of bad debt
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Avios
    Annual Fee
    £195
    Representative APR (variable)
    76%
    APR

Representative Example: 76.00% APR variable. Based on annual fee of £195 and assumed credit limit of £1,200. Interest rate for purchases: 22.9% p.a. variable

 APPLY ONLINE

Credit Needed
Excellent
  • Earn 20,000 bonus membership points if you are approved and spend £3,000 in the first three months of cardmembership - enough for a return business class flight from London to selected European destinations
  • Apply for Supplementary cards (at no extra charge) to share your benefits with your colleagues and employees
  • No pre-set spending limit with purchasing capacity that adjusts according to your business needs.
  • Up to 54 days deferred payment on purchases
  • Annual fee: Free for first year; £125 thereafter
  • You must be 18+, and a UK resident
  • The business must have a current UK bank or building society account, No CCJs
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Membership Rewards
    Annual Fee
    £125
    Representative APR (variable)
    N/A*
    APR
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Who Are American Express?

American Express is a multinational financial service organisation based in New York. It was founded in the mid-1800 as Mail Express by the merger of Livingston, Fargo & Company and Wells, Butterfield & Company. In 1882 it started its move from being a purely express company into the world of financial services for which it is known today. One of the company's first innovations was the launch of the American Express Travellers Cheque - a product which still has global appeal.

In 1958 American Express entered the charge cards market, positioning itself as a premium product (then versus Diners Club) from the outset. Today American Express is considered to be one of the most valuable brands in the world, with millions globally recognising its eagle and Roman gladiator logos.

American Express in the UK

In the UK, American Express offer a number of credit & charge card products (typically in the reward and cash back card categories). Many American Express products are amongst the best in their respective categories; this coupled with their extensive UK advertising centred on the other benefits available to American Express customers (like privileged access to tickets and shows) has seen them become an increasingly popular choice for customers in the UK. They still don't necessarily have the mass market appeal of certain other UK issuers because their eligibility tends to be still more selective than others, but if you are relatively affluent you might find they offer a card that's perfect for your needs. Compare the best UK American Express cards using the table above and get the right product for you.

Contact American Express
  By Telephone

Enquiries - 0800 917 8047

From Abroad - +44 1273 696 933


  By Post

American Express
76 Buckingham Palace Rd
London
SW1W 9AX

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