American Express

Compare American Express credit cards

American Express offers a number of cards to match almost any financial requirement as well as providing a generous rewards and benefits scheme.

Not only does American Express provide cards for any number of financial needs, you can also earn flights, holidays, hotel stays, gift vouchers and more with its rewards programmes. This includes American Express Invites – bringing cardholders tickets to some of the most popular shows from music to film to theatre.

American Express is also accepted globally, has constantly-manned 24/7 customer service and has enhanced security measures for cardholders including refund, purchase and fraud protection.

Types of credit cards from American Express

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.

With an American Express reward card you earn points on almost everything you purchase. With pure reward cards, instead of just cash-back, you build up points for all the spending you do and these can be exchanged for exclusive rewards including flights, hotels, gift cards and more.
Updated April 19th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
9.9%
£0
Min. limit £500, max. limit not specified.
9.9%
Earn 2,500 bonus Membership Rewards points when you spend £1,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0% for 18 months reverting to 22.9%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 1 Membership Rewards® point for every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
28.2%
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn up to 4 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 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
57.6%
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).

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With an American Express cashback card you’ll be able to enjoy cashback on almost everything you purchase.
Updated April 19th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
22.9%
£0
Min. limit £700, max. limit not specified.
22.9%
Earn up to £150 additional bonus cashback per calendar year. £20 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme. The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£25 per annum
Min. limit £700, max. limit not specified.
28.2%
£30 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme (maximum £150 per annum). The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).

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American Express has teamed up with BA to enable you to earn Avios on your day-to-day spending. You can use your Avios to buy flights, hotel stays, car hire and more.
Updated April 19th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
22.9%
£0
Min. limit £700, max. limit not specified.
22.9%
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
57.6%
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).
22.9%
£195 per annum
Min. limit £700, max. limit not specified.
76%
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).

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Much more of a luxury option than your average credit card, premium American Express cards come with perks aplenty. Expect to pay an annual fee, but in some cases this will be waived for the first year.
Updated April 19th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
57.6%
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).
22.9%
£195 per annum
Min. limit £700, max. limit not specified.
76%
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
N/A (this product is a charge card).
£450 per annum
Min. limit not specified, max. limit not specified.
N/A (this product is a charge card).
Earn 30,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter. Earn 12,000 points per friend/family member that successfully applies for the card or 35,000 points if they spend £2,000 in their first 3 months.

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The benefits of being backed by American Express

American Express offer many benefits for credit card customers and these are just some of them.

  • Customer Service

    American Express provides customer service professionals available 24 hours a day seven days a week; over the phone, by text, through email or straight forward mail. American Express also has a “Global Assist” team so even when you’re outside the UK you can still contact someone, anytime of the day, regardless of what country you’re calling from.

  • Security and fraud protection

    To minimise fraudulent use of your card American Express use secure systems and early detection programmes. A key feature however is the “Fraud Protection Guarantee” whereby you won’t be held responsible for fraud as long as you use your card carefully. American Express credit card customers also register for a “SafeKey” to add security to online purchases and you get free text and emails of your card activity.

  • Global acceptance

    American Express credit cards are accepted in a large number of countries around the world. Additionally, when you make a purchase abroad it is converted to US dollars and then into UK pounds once the transaction goes through. If you make a purchase in the US or in US dollars, it is directly converted to UK pounds.

  • Digital capability

    To ensure you’re on top of your finances, you can manage your account online or via the Amex app, anywhere in the globe, at any time. This does not just include your credit card balance, but you can also pay bills and review your rewards and loyalty points as well.

How to apply for an American Express credit card

The quickest way to apply for an American Express card is online. You simply fill out an online form providing personal information such as name, address, income and work status.

Eligibility requirements

There are basic eligibility requirements you will most likely need to meet to be accepted for an American Express credit card. The eligibility requirements are as follows:

  • You are aged 18 years or over
  • You have a permanent UK home address
  • You have a current UK bank or building society account
  • You don’t have a history of bad debt
  • You have been working more than one year if self-employed

American Express have a range of cards with a number of different requirements, so you will need to check your eligibility against each card when you apply (as they may differ). When you do apply, it can take as little as 10 minutes and you can get a response regarding eligibility in 60 seconds.

Why might you not be approved?

Typically you won’t be approved for a credit card if you’ve got a history of bad debt or don’t meet the above eligibility criteria. If you’ve got an outstanding CCJ or are on an individual voluntary arrangement (IVA) it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, and to ask for a credit report.

Frequently asked questions

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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