In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
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American Express Basic Charge Card review 2024

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American Express Basic Charge Card
3.5
★★★★★
Finder score
Account fee
£0

Our verdict

This no-frills charge card has little in the way of benefits, but could be a good introduction to card use.
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Finder Awards 2024 highly commended
Customer Satisfaction Award

This super-simple charge card does exactly what it says on the tin. Because it’s a charge card, there's no set spending limit, you won’t incur interest, but you do have to clear your balance in full each month. Plus, there are no regular fees, so you can have peace of mind that you’re not in for any nasty surprises.

On the flip-side, by Amex standards the perks are pretty limited. There's no welcome bonus and no ongoing rewards scheme. As with all Amex cards, however, you'll be able to enjoy exclusive discounts and pre-sale gig tickets through the American Express Experiences (formerly Invites) programme – so although you can't earn rewards points, you could earn brownie points with your family and friends.

Pros

  • Customers report excellent customer service when dealing with American Express
  • No annual fee

Cons

  • Applicants with low credit scores are unlikely to be eligible

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements

Don't expect wonderful rewards, but you can take advantage of entertainment discounts and perks with the American Express Experiences programme.

Details

Product overview

Issuer American Express
Network Amex
Representative APR N/A (this product is a charge card).
Annual/monthly fees £0
Additional Rewards Info Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.
Potential costs 4.5 ★★★★★
Doing its job 3.0 ★★★★★
Extras 3.0 ★★★★★
Overall Finder score 3.5 ★★★★★

Fees and charges

Minimum monthly payment Full outstanding balance
Annual/monthly fees £0
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 3% (min. £3)
Late payment fee £12
Replacement card fee £0
Duplicate statement fee £2
Exceeding limit fee £0
Additional card fee £0
Dormancy fee £0

Application requirements

Minimum Age 18
Residency UK resident and has a UK bank or building society account.
Availability Available to new customers
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The American Express range

Table: sorted by representative APR, promoted deals first

Whether you’re looking for a card that lets you earn rewards or one that offers payment flexibility on forthcoming purchases, American Express has a wide range to match a variety of financial requirements.

Name Product Rating Finder score Rewards earn rate Max. intro bonus Annual/monthly fees Representative APR Link Incentive Representative example
American Express® Rewards Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1 point per £1 spent
10,000 points
£0
31% APR (variable)
Check eligibility
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
British Airways American Express® Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1 point per £1 spent
5,000 points
£0
31% APR (variable)
Check eligibility
Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
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OFFER
Amex® Cashback Everyday Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1% cashback
£125
£0
31% APR (variable)
Check eligibility
New Cardmembers get 5% cashback on your purchases (up to £125) for the first 5 months of Cardmembership. Offer ends 9 April 2024. Terms and minimum spend apply. 18+, subject to status. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Amex® Cashback Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1.25% cashback
£125
£25 per annum
36.7% APR (variable)
Check eligibility
Welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).
American Express® Nectar Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
3 points per £1 spent with selected partners
2 points per £1 spent elsewhere
20,000 points
Year 1 - £0, Year 2 onwards - £30 per annum
37.8% APR (variable)
Check eligibility
New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).
Finder Award
OFFER
The Marriott Bonvoy American Express Card
Finder score
★★★★★
★★★★★
Expert analysis
6 points per £1 spent with selected partners
2 points per £1 spent elsewhere
20,000 points
£95 per annum
54.8% APR (variable)
Check eligibility
Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).
American Express® Preferred Rewards Gold Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
3 points per £1 spent with selected partners
1 point per £1 spent elsewhere
20,000 points
Year 1 - £0, Year 2 onwards - £195 per annum
88.8% APR (variable)
Check eligibility
Get 20% cashback at 1,000+ restaurants until 19 May 2024.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.8% APR (variable).
British Airways American Express® Premium Plus Card
Finder score
★★★★★
★★★★★
Expert analysis
3 points per £1 spent with selected partners
1.5 points per £1 spent elsewhere
25,000 points
£250 per annum
113.1% APR (variable)
Check eligibility
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only

Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £250 per annum, your representative rate is 113.1% APR (variable).
The Platinum Card® by American Express
Finder score
★★★★★
★★★★★
Expert analysis
2 points per £1 spent with selected partners
1 point per £1 spent elsewhere
40,000 points
£650 per annum
704.6% APR (variable)
Check eligibility
New Cardmembers earn 40,000 Membership Rewards® Points when you spend £6,000 in the first 3 months of Cardmembership. T&Cs Apply. UK 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 704.6% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How to apply

If you've compared cards and settled on the American Express Basic Charge Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

The bottom line

As the name suggests, the American Express Basic credit card is a straightforward charge card with limited perks. There’s no ongoing reward scheme and no introductory bonus, which really just leaves you with the American Express Experiences as a potential draw.

Unsurprisingly, this means you won’t need to pay an annual fee, and given it’s a charge card, there’s also no interest to pay. But you’ll still need to clear your balance in full to avoid late payment fees.

Frequently asked questions

How does an Amex Basic Charge Card work?

A charge card is similar to a credit card, but has no credit limit and does not charge interest on your unpaid balance. However, you will be charged late fees if you fail to pay off your balance each month.

Why can't I earn reward points with the American Express Basic Charge Card?

As this is a basic charge card, you will not be signed up to any rewards scheme. If you want an American Express card that offers rewards, you can compare them here.

What happens if I don't pay off my American Express Basic Charge Card balance?

If you fail to pay off your balance by the agreed date, you'll be charged a late fee.

How does American Express Experiences work?

Formerly called ‘American Express Invites, Amex Experiences is an entertainment service that’s only available to American Express cardholders. You can get exclusive discounts, access to pre-sale tickets and entry into Amex competitions.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score credit cards to determine their value against similar products on the market. We look at a number of important factors, like its suitability for its intended purpose, any perks/extras it brings to the table, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
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