Compare Coutts & Co credit cards and alternative cards for June 2023

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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, 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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Name	Product	Ratings	Finder rating	Customer rating	Purchases	Annual/monthly fees	Rewards earn rate	Representative APR	Link	Lounge access	Representative example
Coutts and Co Silk Charge Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	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.		Compare	loading Fetching your data...
Coutts & Co Silk Credit Card Mastercard		Finder score ★★★★★	★★★★★ Expert analysis	Not yet rated	14.71%	£0	N/A	14.7% APR (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).	Compare	loading Fetching your data...

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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

• 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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Name	Product	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
American Express® Preferred Rewards Gold Credit Card Finder Award		29.7%	Year 1 - £0, Year 2 onwards - £160 per annum	Min. limit £700, max. limit not specified.	73.8% APR (variable)	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		29.7%	£250 per annum	Min. limit £700, max. limit not specified.	110.7% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 110.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
The Platinum Card® by American Express Finder Award		29.7%	£575 per annum	Min. limit £700, max. limit not specified.	464.4% APR (variable)	Earn 60,000 Membership Rewards® points plus £200 Credit towards your next getaway with Amex Travel Online when you spend £6,000 in your first 6 months of Cardmembership. Offer ends 13 June 2023. Terms apply. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £575 per annum, your representative rate is 464.4% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...

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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.

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Name	Product	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
The American Express Rewards® Credit Card Finder Award		29.7%	£0	Min. limit £500, max. limit not specified.	29.7% APR (variable)	Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1000 points) to shop, other rewards have differing conversions Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award		29.7%	Year 1 - £0, Year 2 onwards - £25 per annum	Min. limit £700, max. limit not specified.	35.3% APR (variable)	Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 35.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		29.7%	Year 1 - £0, Year 2 onwards - £160 per annum	Min. limit £700, max. limit not specified.	73.8% APR (variable)	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...

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

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Name	Product	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
American Express® Platinum Cashback Everyday Credit Card Finder Award		29.7%	£0	Min. limit £700, max. limit not specified.	29.7% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		29.7%	£25 per annum	Min. limit £700, max. limit not specified.	35.3% APR (variable)	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 35.3% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...

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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.

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Name	Product	Purchases	Annual/monthly fees	Initial credit limits	Representative APR	Incentive	Link
British Airways American Express® Credit Card Finder Award		29.7%	£0	Min. limit £700, max. limit not specified.	29.7% APR (variable)	Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. - 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. Avios value varies dependent on reward (min 1000pts for flights) Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		29.7%	Year 1 - £0, Year 2 onwards - £160 per annum	Min. limit £700, max. limit not specified.	73.8% APR (variable)	2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel. Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.8% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		29.7%	£250 per annum	Min. limit £700, max. limit not specified.	110.7% APR (variable)	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £250 per annum, your representative rate is 110.7% APR (variable).	Check eligibility Read review	Compare	loading Fetching your data...

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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

• 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.