Compare Coutts & Co credit cards and alternative cards – May 2019

As the private bank of the Queen, Coutts & Co is synonymous with luxury and privilege. 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.

Founded in 1692, Coutts & Co is the private banking division of the Royal Bank of Scotland. Its prestigious “Silk” credit card is one of the most sought-after cards in the world and is available only to existing banking customers who have a high monthly spend.

Coutts & Co uses the Mastercard network, meaning its credit cards are accepted in more than 35 million locations worldwide.

The Coutts & Co credit card range

Updated May 20th, 2019

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Name	Product	Purchases	Annual/monthly fees	Rep. APR		Lounge access	Representative example
Coutts and Co Silk Charge Mastercard		N/A (this product is a charge card).	£0	N/A (this product is a charge card).	More Info	Access to over 700 executive airport lounges in over 300 major airports worldworld. Guest fee is £15 per guest.		Compare	loading Fetching your data...
Coutts & Co Silk Credit Card Visa		14.71%	£0	14.7%	More Info	Membership to LoungeKey, access to over 700 airport lounges worldwide. Charged at £15 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.

• Premium cards

  Premium cards offer cardholders perks such as airport lounge access, travel insurance, rewards and more. With many providers, there’s a monthly or annual fee. With Coutts & Co, you have to be an existing customer and for that, you’d 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

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.

Updated May 20th, 2019

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR		Incentive	Representative example
American Express Preferred Rewards Gold Credit Card		22.9%	Year 1 - £0, Year 2 onwards - £140 per annum	Min. limit £700, max. limit not specified.	57.6%	Go to site More Info	Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.	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 - £140 per annum, your representative rate is 57.6% APR (variable).	Compare	loading Fetching your data...
British Airways American Express Premium Plus		22.9%	£195 per annum	Min. limit £700, max. limit not specified.	76%	Go to site More Info	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).	Compare	loading Fetching your data...
The Platinum Card		N/A (this product is a charge card).	£450 per annum	Min. limit not specified, max. limit not specified.	N/A (this product is a charge card).	Go to site More Info	Earn 30,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter. Earn 12,000 points per friend/family member that successfully applies for the card or 35,000 points if they spend £2,000 in their first 3 months.		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.

Updated May 20th, 2019

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR		Incentive	Representative example
American Express Rewards Low Rate Credit Card		9.9%	£0	Min. limit £500, max. limit not specified.	9.9%	Go to site More Info	Earn 2,500 bonus Membership Rewards points when you spend £1,000 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 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).	Compare	loading Fetching your data...
American Express Rewards Purchases Credit Card		0% for 18 months reverting to 22.9%	£0	Min. limit £500, max. limit not specified.	22.9%	Go to site More Info	Earn 1 Membership Rewards® point for every £1 spent.	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).	Compare	loading Fetching your data...
American Express Rewards Credit Card		22.9%	£0	Min. limit £500, max. limit not specified.	22.9%	Go to site More Info	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).	Compare	loading Fetching your data...
The American Express Nectar Credit Card		22.9%	Year 1 - £0, Year 2 onwards - £25 per annum	Min. limit £700, max. limit not specified.	28.2%	Go to site More Info	20,000 Nectar points when you spend £2K within 3 months of account opening. Earn up to 4 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 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).	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card		22.9%	Year 1 - £0, Year 2 onwards - £140 per annum	Min. limit £700, max. limit not specified.	57.6%	Go to site More Info	Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.	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 - £140 per annum, your representative rate is 57.6% APR (variable).	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.

Updated May 20th, 2019

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR		Incentive	Representative example
American Express Platinum Cashback Everyday Card		22.9%	£0	Min. limit £700, max. limit not specified.	22.9%	Go to site More Info	Earn up to £150 additional bonus cashback per calendar year. £20 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme. The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.	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).	Compare	loading Fetching your data...
American Express Platinum Cashback Card		22.9%	£25 per annum	Min. limit £700, max. limit not specified.	28.2%	Go to site More Info	£30 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme (maximum £150 per annum). The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date.	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).	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.

Updated May 20th, 2019

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR		Incentive	Representative example
British Airways American Express Card		22.9%	£0	Min. limit £700, max. limit not specified.	22.9%	Go to site More Info	5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel 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.	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).	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card		22.9%	Year 1 - £0, Year 2 onwards - £140 per annum	Min. limit £700, max. limit not specified.	57.6%	Go to site More Info	Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.	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 - £140 per annum, your representative rate is 57.6% APR (variable).	Compare	loading Fetching your data...
British Airways American Express Premium Plus		22.9%	£195 per annum	Min. limit £700, max. limit not specified.	76%	Go to site More Info	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).	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.