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Compare Coutts & Co credit cards and alternative cards for May 2021

Find out how to apply for a credit card from the Queen's private bank, and the key features of Coutts credit cards

Coutts & Co
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Chris Lilly
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What is Coutts & Co?

Founded in 1692, Coutts & Co is the private banking division of the Royal Bank of Scotland. Available only to existing banking customers who have a high monthly spend, 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 more than 35 million locations worldwide. However, its credit cards are available only to existing customers.

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

Data updated daily
Name Product Purchases Annual/monthly fees Rewards earn rate Rep. APR Link Lounge access Representative example
Coutts and Co Silk Charge Mastercard
Coutts and Co Silk Charge Mastercard
N/A (this product is a charge card).
£0
N/A
N/A (this product is a charge card).
Read review
Access to over 700 executive airport lounges in over 300 major airports worldworld. £20 per person per visit.
Coutts & Co Silk Credit Card Mastercard
Coutts & Co Silk Credit Card Mastercard
14.71%
£0
N/A
14.7% (variable)
Read review
Membership to LoungeKey, access to over 700 airport lounges worldwide. Charged at £20 per person per visit.
Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable).
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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.

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.
  • Travel rewards. Coutts & Co has partnered with high-end US retailers including Bloomingdales and Saks Fifth Avenue to provide Coutts Travel Rewards. When you shop at a participating store, you will automatically receive a cash reward paid onto your card.
  • Airport lounge access. Through LoungeKey, Silk cardholders can access over 700 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.
  • Rewards programme. Coutts & Co rewards loyalty 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.
  • 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

Table: sorted by representative APR, promoted deals first
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.
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.
Data updated daily
Name Product Purchases Annual/monthly fees Initial credit limits Rep. APR Incentive Link
American Express Preferred Rewards Gold Credit Card
American Express Preferred Rewards Gold Credit Card
22.2%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
56.6% (variable)
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).
Check eligibility
Read review
British Airways American Express Premium Plus
British Airways American Express Premium Plus
22.2%
£195 per annum
Min. limit £700, max. limit not specified.
74.7% (variable)
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).
Check eligibility
Read review
The Platinum Card
The Platinum Card
N/A (this product is a charge card).
£575 per annum
Min. limit not specified, max. limit not specified.
N/A (this product is a charge card).
As a new Cardmember, earn 30,000 Membership Rewards® points when you spend £4,000 in your first 3 months of Cardmembership.
Check eligibility
Read review
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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.
Data updated daily
Name Product Purchases Annual/monthly fees Initial credit limits Rep. APR Incentive Link
American Express Rewards Credit Card
American Express Rewards Credit Card
22.2%
£0
Min. limit £500, max. limit not specified.
22.2% (variable)
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).
Check eligibility
Read review
The American Express Nectar Credit Card
The American Express Nectar Credit Card
22.2%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
27.3% (variable)
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).
Check eligibility
Read review
American Express Preferred Rewards Gold Credit Card
American Express Preferred Rewards Gold Credit Card
22.2%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
56.6% (variable)
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).
Check eligibility
Read review
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With an American Express cashback card you’ll be able to enjoy cashback on almost everything you purchase.
Data updated daily
Name Product Purchases Annual/monthly fees Initial credit limits Rep. APR Incentive Link
American Express Platinum Cashback Everyday Card
American Express Platinum Cashback Everyday Card
22.2%
£0
Min. limit £700, max. limit not specified.
22.2% (variable)
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Cashback earn rates will change from the 4 August.
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).
Check eligibility
Read review
American Express Platinum Cashback Card
American Express Platinum Cashback Card
22.2%
£25 per annum
Min. limit £700, max. limit not specified.
27.3% (variable)
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Cashback earn rates will change from the 4 August.
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).
Check eligibility
Read review
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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.
Data updated daily
Name Product Purchases Annual/monthly fees Initial credit limits Rep. APR Incentive Link
British Airways American Express Card
British Airways American Express Card
22.2%
£0
Min. limit £700, max. limit not specified.
22.2% (variable)
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).
Check eligibility
Read review
American Express Preferred Rewards Gold Credit Card
American Express Preferred Rewards Gold Credit Card
22.2%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
56.6% (variable)
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).
Check eligibility
Read review
British Airways American Express Premium Plus
British Airways American Express Premium Plus
22.2%
£195 per annum
Min. limit £700, max. limit not specified.
74.7% (variable)
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).
Check eligibility
Read review
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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.

Frequently-asked questions about Coutts credit cards

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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