Compare Coutts & Co credit cards and alternative cards

What is Coutts & Co?

Founded in 1692, Coutts & Co operates as the private banking and wealth management division of the NatWest Group. Available only to existing banking customers maintaining at least £3 million in investments, savings or borrowings, its prestigious “Silk” credit card is one of the most sought-after cards in the world.

Coutts & Co uses the Mastercard network, meaning its credit cards are accepted in approximately 150 million locations worldwide. However, credit cards are only available to existing cutsomers.

Its highly desired benefits include travel insurance, airport lounge access and a 24/7 concierge service which can organise every aspect of your life – from booking flights and concerts to sourcing cleaners and private tutors.

The Coutts & Co credit card range

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Finder Score	Purchases	Annual/monthly fees	Rewards earn rate	Lounge programme	Incentive	Representative example
5.8Standard Coutts & Co. Silk Card High Net Worth Private Banking	5.8Standard	19.99%	£0	N/A	LoungeKey	Access to airport lounges at a flat rate of £24 per visit. Additional guests can join for £24 each.	Representative example: Representative 19.99% APR variable. Based on assumed borrowing of £1,200. Rate of interest 19.99% p.a. (variable).	More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

What types of credit card does Coutts & Co offer?

With its wealthy and discerning banking customers in mind, Coutts & Co offers one set of exclusive benefits with its cards. It offers two types of card.

• Charge cards. With any charge card, the cardholder must clear the full balance each billing cycle. Charge cards typically come with a monthly or annual fee, but in return you can usually expect rewards and/or an enhanced service. Learn more about rewards cards.
• Premium cards. Premium cards offer cardholders perks such as airport lounge access, travel insurance, rewards and more. As with many providers, there’s a monthly or annual fee. With Coutts & Co, you have to be an existing customer and for that, you’ll need to have a high income.

What benefits can I get with a Coutts & Co credit card?

• Concierge service. Coutts & Co provides a dedicated team offering expert help 24 hours a day, seven days a week. The team speaks over 20 languages and can assist with every aspect of travel from flight information, tickets, accommodation and car hire to emergency currency, lost passports, messaging and interpretation services. The Coutts Concierge team can even help with social and leisure arrangements, from dinner reservations to chartering a yacht and booking tickets for sporting, theatrical and art events. It can also take care of domestic duties including sourcing cleaners, gardeners and nannies and recommending interior designers and estate agents.
• Rewards programme. Coutts & Co rewards loyalty through their Thank You From Coutts programme by offering a choice of exclusive gifts, from a range of luxury food and wine to private tours, depending on how much you spend on your card. Clients are automatically enrolled and earn “Crowns” when they spend using their Coutts credit card.
• Travel rewards. Coutts & Co has partnered with travel companys Trailfinders, Mr & Mrs Smith and Briggs & Riley as a part of their Thank You From Coutts rewards programme, offering gift cards and more you can redeem using “Crowns”.
• Airport lounge access. Through LoungeKey, Silk cardholders can access over 1,100 VIP lounges in over 300 major airports worldwide. You simply need to show your Silk card and mention LoungeKey. You will, however, be asked to pay a small flat fee per person for yourself and any guests you bring into the lounge with you.
• Multiple cardholders. You may request additional cards for your account with the added flexibility of being able to determine the level of privileges and benefits for each cardholder. Clients can allocate an individual spending limit for each cardholder within their account. The amount of spend for each cardholder is itemised on a single, monthly statement which is sent to the primary cardholder.

Compare Coutts alternatives

If (as is the case for most of us) a Coutts credit card is out of your reach right now, there are plenty of cards like Coutts credit cards on the market to make you feel like a VIP. American Express offers an impressive selection of cards catering to all sorts of consumers, all with rewards attached – from lounge access to hotel upgrades.

• Premium
• Rewards
• Cashback
• Frequent flyer

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.

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Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive
Promoted 9.4Excellent American Express® Preferred Rewards Gold Credit Card Finder Award	9.4Excellent	29.1%	£195 per year	Min. limit £700, max. limit not specified.	85.8% APR (variable)	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. Representative example: Representative 85.8% APR variable. Based on £195 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
9.5Excellent British Airways American Express® Premium Plus Card Finder Award	9.5Excellent	29.1%	£300 per year	Min. limit £700, max. limit not specified.	135.7% APR (variable)	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: Representative 135.7% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
9.9Excellent The Platinum Card® Finder Award	9.9Excellent	29.1%	£650 per year	Min. limit £700, max. limit not specified.	685.3% APR (variable)	Earn 80,000 Membership Rewards points + a £150 Selfridges eGift Card when you spend £6,000 in your first three months of Cardmembership. Offer ends 12 January 2027. Terms apply, 18+, subject to status. Representative example: Representative 685.3% APR variable. Based on £650 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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.

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Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive
Promoted 9.3Excellent Nectar Credit Card Finder Award	9.3Excellent	29.1%	£30 per year	Min. limit £700, max. limit not specified.	35.8% APR (variable)	New Cardmembers collect 20,000 bonus Nectar points when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: Representative 35.8% APR variable. Based on £30 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
7.8Great The American Express® Rewards Credit Card Finder Award	7.8Great	29.1%	£0	Min. limit £500, max. limit not specified.	29.1% APR (variable)	New Cardmembers collect 10,000 bonus Membership Rewards® points when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: Representative 29.1% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
9.4Excellent American Express® Preferred Rewards Gold Credit Card Finder Award	9.4Excellent	29.1%	£195 per year	Min. limit £700, max. limit not specified.	85.8% APR (variable)	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. Representative example: Representative 85.8% APR variable. Based on £195 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

With an American Express cashback card you’ll be able to enjoy cashback on almost everything you purchase.

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Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive
7.5Great Amex® Cashback Everyday Credit Card Finder Award	7.5Great	29.1%	£0	Min. limit £700, max. limit not specified.	29.1% APR (variable)	Welcome offer: Get 2% cashback on your purchases (up to £200) for the first 12 months of Cardmembership. Offer ends 12 January 2027. T&Cs and minimum spend apply. 18+, subject to status. Representative example: Representative 29.1% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
7.8Great Amex® Cashback Credit Card Finder Award	7.8Great	29.1%	£25 per year	Min. limit £700, max. limit not specified.	34.6% APR (variable)	Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. New Cardmembers only. T&Cs apply. 18+, subject to status. Representative example: Representative 34.6% APR variable. Based on £25 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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How we picked these

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

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.

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Updated daily

Finder Score	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive
Promoted 9.4Excellent American Express® Preferred Rewards Gold Credit Card Finder Award	9.4Excellent	29.1%	£195 per year	Min. limit £700, max. limit not specified.	85.8% APR (variable)	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. Representative example: Representative 85.8% APR variable. Based on £195 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
7.7Great British Airways American Express® Credit Card Finder Award	7.7Great	29.1%	£0	Min. limit £700, max. limit not specified.	29.1% APR (variable)	New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: Representative 29.1% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading
9.5Excellent British Airways American Express® Premium Plus Card Finder Award	9.5Excellent	29.1%	£300 per year	Min. limit £700, max. limit not specified.	135.7% APR (variable)	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status. Representative example: Representative 135.7% APR variable. Based on £300 annual fee, assumed borrowing of £1,200. Rate of interest 29.1% p.a. (variable).	Check eligibility More info Compare product selection Compare	loading

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How we picked these

Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Applying for a Coutts & Co credit card

To be eligible for a Coutts & Co credit card, you must already be a private banking customer. To apply, simply call the 24/7 helpline to speak to a personal advisor.

Eligibility requirements

To be eligible for a Coutts & Co credit card, you must:

• Be at least 18 years old.
• Be mainly resident in the UK.
• Be an existing Coutts & Co private banking customer.

Customer support

Overview of Coutts & Co credit cards

Frequently-asked questions about Coutts credit cards

• Do I need to notify Coutts & Co if I intend to travel?

  If you are travelling abroad or are planning to make a purchase which is of a higher value than usual, you should inform the Coutts card services team in advance. This will help to avoid issues when you use your card.

• Is a Coutts & Co credit card available by invitation only?

  No, the Silk card is available to all Coutts & Co personal banking customers.

• What will my credit limit be?

  The credit limit on a Coutts & Co card is generally very high. However, your individual limit will be decided based on an assessment of your personal financial situation and creditworthiness.

Written by

Chris Lilly

Head of publishing

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 502 Finder guides across topics including:

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