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).
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.
American Express offer many benefits for credit card customers and these are just some of them.
The best service around. Love collecting Avios for flights and love the Shop Small incentive.”
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.
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.
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.
American Express Invites is a rewards programme which offers exclusive pre-sale tickets, discounts and competitions.
Yes, you can use your Amex card, including the American Express Platinum card, with a number of taxi companies in the UK, including:
No, although American Express encourages all customers to keep their contact details up to date in case it needs to contact you.
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