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American Express Basic Charge Card review August 2019
This no-frills charge card has little in the way of benefits, but could be a good introduction to card use.
Don’t expect wonderful rewards, but you can take advantage of entertainment discounts and perks with the American Express Experiences programme.
Finder rating: ★★★★★
Doing its job: 3/5
In a nutshell:
Minimum credit limit
|Purchases||N/A (this product is a charge card).|
|Min. credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||1|
|Incentive||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.|
|Residency||UK resident and has a UK bank or building society account.|
|Availability||Available to new customers|
|Foreign usage charge (EU)||2.99%|
|Foreign usage charge (rest of world)||2.99%|
|Cash advance fee||3% (min. £3)|
|Late payment fee||£12|
|Duplicate statement fee||£2|
|Exceeding limit fee||£0|
|Additional card fee||£0|
|Replacement card fee||£0|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
This super-simple charge card does exactly what it says on the tin. Because it’s a charge card, 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.
The American Express range
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.
How to apply for the American Express Basic Charge Card
If you want to keep things straightforward with this basic charge card and are keen to apply, just visit the Amex site to complete the secure application form, which 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.
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Our team evaluates credit cards to determine their value against similar products on the market.
We look at the how good the card is for its designated purpose – spending abroad, clearing debt, earning air miles etc. – how costly it is to use day-to-day and whether it offers much in the way of extras.