Compare American Express credit cards for October 2020

If you're after rewards and perks, Amex is fighting hard to win your custom.

Updated . What changed?

Fact checked
American Express
85% of American Express customers in our 2020 customer satisfaction survey would recommend the brand to a friend.
Acceptance at smaller merchants remains an issue.

The American Express range

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Rewards earn rate Max. intro bonus Annual/monthly fees Rep. APR Ratings Link Incentive Representative example
British Airways American Express Card
1 point per £1 spent
5,000 points
£0
22.2% (variable)
We say
★★★★★
You say
★★★★★
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More Info
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Platinum Cashback Everyday Card
1% cashback
£100
£0
22.2% (variable)
We say
★★★★★
You say
★★★★★
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More Info
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Rewards Credit Card
1 point per £1 spent
5,000 points
£0
22.2% (variable)
We say
★★★★★
You say
★★★★★
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More Info
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
The American Express Nectar Credit Card
2 points per £1 spent
20,000 points
Year 1 - £0, Year 2 onwards - £25 per annum
27.3% (variable)
We say
★★★★★
You say
★★★★★
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More Info
As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).
American Express Platinum Cashback Card
1.25% cashback
£125
£25 per annum
27.3% (variable)
We say
★★★★★
You say
★★★★★
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More Info
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).
The Marriott Bonvoy American Express Card
10 points per £1 spent with selected partners
2 points per £1 spent elsewhere
20,000 points
£75 per annum
38.8% (variable)
We say
★★★★★
You say
★★★★★
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More Info
As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £75 per annum, your representative rate is 38.8% APR (variable).
American Express Preferred Rewards Gold Credit Card
2 points per £1 spent with selected partners
1 point per £1 spent elsewhere
20,000 points
Year 1 - £0, Year 2 onwards - £140 per annum
56.6% (variable)
We say
★★★★★
You say
★★★★★
Go to site
More Info
New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 56.6% APR (variable).
British Airways American Express Premium Plus
3 points per £1 spent with selected partners
1.5 points per £1 spent elsewhere
25,000 points
£195 per annum
74.7% (variable)
We say
★★★★★
You say
★★★★★
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More Info
As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).
The American Express Green Card
1 point per £1 spent
N/A
£60 per annum
N/A (this product is a charge card).
We say
★★★★★
You say
★★★★★
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More Info
1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.
Vitality American Express Credit Card
0.5% cashback
N/A
£6.5 per month
37.1% (variable)
We say
★★★★★
You say
★★★★★
More Info
0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. Must spend £3K annually to earn cashback. Earn between 0-2% additional cashback on 1st £1K spend each mth, percentage based on no of eligible Vitality products held and mthly activity points earned 2 mths prior. New cardmember offer earn £100 statement credit when £2K spent in 1st 3 mths of opening.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £6.5 per month, your representative rate is 37.1% APR (variable).
American Express Basic Charge Card
N/A
N/A
£0
N/A (this product is a charge card).
We say
★★★★★
You say
★★★★★
More 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.
The Platinum Card
1 point per £1 spent
30,000 points
£575 per annum
N/A (this product is a charge card).
We say
★★★★★
You say
★★★★★
More Info
As a new Cardmember, earn 30,000 Membership Rewards® points when you spend £4,000 in your first 3 months of Cardmembership.
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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.

No longer just the preserve of city mogul types, Amex now has a range of cards to suit credit card first-timers through to high-flying big-spenders. You can earn flights, holidays, hotel stays, gift vouchers and more with its numerous rewards programmes, which include American Express Experiences – bringing cardholders tickets to some of the most popular gigs, films and theatre shows.

American Express is also more widely-accepted than it used to be, has constantly-manned 24/7 customer service and has enhanced security measures for cardholders (including refund, purchase and fraud protection).

More about American Express

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

  • Customer Service. Credit where credit’s due – the US generally does customer service better than us Brits. Our trials of Amex’s customer service and our user survey only strengthened this view. American Express provides almost-alarmingly-chirpy customer service 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, any time of the day, regardless of what country you’re calling from.
  • Security and fraud protection. To minimise fraudulent use of your card, American Express uses 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.

The best service around. Love collecting Avios for flights and love the Shop Small incentive.”

Amex customer in Finder's 2020 survey

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 for longer 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.

Typically you won’t be approved 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 don’t have a credit record at all, you may be turned down.

What is the Membership Rewards programme?

A number of American Express cards let cardholders earn reward points via the Membership Rewards programme. When you activate your card you’ll be automatically enrolled into this, and you’ll be awarded points almost every time you use your card. From buying petrol to groceries, you can accumulate points almost anywhere, and redeem them on almost anything – from clothes to electronics. You can even use them to book flights, hotels or car hire while abroad.

What is American Express Invites?

American Express Invites is a rewards programme which offers exclusive pre-sale tickets, discounts and competitions.

Can I use my American Express card to book taxis and private cars?

Yes, you can use your Amex card, including the American Express Platinum card, with a number of taxi companies in the UK, including:

  • Addison Lee
  • CityFleet
  • Flyde Executive Cars
  • Silverpay Services
  • Checker Cars
  • Driven Worldwide
  • Radio Taxis

Do I need to notify American Express if I travel?

No, although American Express encourages all customers to keep their contact details up to date in case it needs to contact you.

Pros and cons of American Express credit cards

Pros

  • Widely accepted around the world
  • 24/7 customer service
  • Plenty of rewards and other perks including the Membership Rewards programme
  • Awarded 5 out of 5 stars in our Finder 2020 Customer Satisfaction Awards

Cons

  • May not be accepted by smaller shops and restaurants
  • Fewer options for customers with limited or poor credit history
  • Some credit cards may be subject to monthly fees

Our Verdict

There’s no doubt about it, American Express is one of the big hitters in the credit card market but you’ll need to look at your own financial situation before deciding whether it could work for you.

It scored 5 out of 5 stars in our 2020 Finder Customer Satisfaction Awards and there’s plenty to take advantage of with its cards such as earning holidays, flights, hotel stays and gift vouchers. However, your credit report will need to be in a fairly good shape in order to be approved for one in the first place. Plus, you may be charged a monthly fee for the privilege.

Do a little research and compare Amex cards to its competitors above to see what might work for you.

American Express customer reviews

American Express has mixed to negative reviews from customers, according to review sites like Trustpilot and reviews.io. On Trustpilot, American Express currently has an average rating of 2 out of 5, based on over 1,200 reviews, which is considered a “poor” rating overall.

68% of American Express customers on Trustpilot gave it a “bad” rating, with many citing poor customer service and numerous fees as major negatives. However, other customer reviews reported that they had never had any issues with the Amex customer service.

Amex also has an average rating of 4.5 out of 5 according to reviews.io, albeit this is only based on a handful of reviews. 75% of customers would recommend American Express, according to reviews.io.

Frequently asked questions

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.

To find out more, read our full methodology.

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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