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 Experiences – 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.
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.
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.
The benefits of being backed by American Express
American Express offer many benefits for credit card customers and these are just some of them.
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.
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.
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.
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:
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