Compare American Express credit cards for March 2020

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

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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
Updated March 29th, 2020
Name Product Rewards earn rate Max. intro bonus Annual/monthly fees Rep. APR Ratings Incentive Representative example
American Express Rewards Credit Card
1 point per £1 spent
5,000 points
£0
22.9% (variable)
We say
★★★★★
You say
★★★★★
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).
British Airways American Express Card
1 point per £1 spent
5,000 points
£0
22.9% (variable)
We say
★★★★★
You say
★★★★★
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Get a Companion Voucher when you spend £20,000 each year. 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).
American Express Platinum Cashback Everyday Card
1% cashback
£100
£0
22.9% (variable)
We say
★★★★★
You say
★★★★★
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
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).
The American Express Nectar Credit Card
2 points per £1 spent
20,000 points
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% (variable)
We say
★★★★★
You say
★★★★★
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and 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).
American Express Platinum Cashback Card
1.25% cashback
£125
£25 per annum
28.2% (variable)
We say
★★★★★
You say
★★★★★
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
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).
The Marriott Bonvoy American Express Card
6 points per £1 spent with selected partners
2 points per £1 spent elsewhere
20,000 points
£75 per annum
39.7% (variable)
We say
★★★★★
You say
★★★★★
Earn 20,000 points when you spend £3,000 within 3 months of account opening. Earn 6 points for every £1 spent at Marriott properties globally and 2 points for virtually every other £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% 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
57.6% (variable)
We say
★★★★★
You say
★★★★★
New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 29 June 2020. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% 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
76% (variable)
We say
★★★★★
You say
★★★★★
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).
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
★★★★★
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.
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
★★★★★
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.
Vitality American Express Credit Card
Vitality American Express Credit Card
1% cashback
N/A
£0
36.7% (variable)
We say
★★★★★
You say
★★★★★
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 first £1K spend each month. Cashback booster rate is based on number of eligible Vitality products held and monthly activity points earned two months prior.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 36.7% APR (variable).
American Express Basic Charge Card
N/A
N/A
£0
N/A (this product is a charge card).
We say
★★★★★
You say
★★★★★
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.

Compare up to 4 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.

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 offer 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, 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.

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 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.

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.

Other 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.

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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