Earn loyalty points while you spend with the American Express Rewards Low Rate Credit Card.
With a low ongoing rate (albeit variable) rather than an attention-grabbing 0% introductory offer, you won’t have to set any reminders to switch with the American Express Rewards Low Rate Credit Card.
For those looking to spread the cost of a large upcoming expenditure, there are better deals out there. But if you simply want to earn rewards on your spending and expect that you’ll more often than not be able to clear your balance each month, this deal is worth a closer look.
Here’s everything you need to know about this straightforward rewards card – from loyalty earn rates through to eligibility, APR and fees. And if you’re still not sure if it’s the right card for you, you can compare similar cards from Amex and other providers.
Approval for any credit card will depend on your status. The APR shown represents 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.
Comparison of rewards credit cards
When it comes to repayments, you can make manual repayments online or over the phone (0800 917 8047), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the American Express Rewards Low Rate Credit Card
If you’ve compared cards and decided that the American Express Rewards Low Rate Credit Card is the card for you, it’s straightforward to apply online, and it typically takes around 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 hassle-free as possible.