Which is the best American Express credit card in the UK?
This depends on what you want from your credit card. As one of the world’s most popular credit card providers, American Express offers probably the UK’s widest selection of cards offering benefits like cashback, rewards, airmiles and luxury travel perks.
So if you’re looking to earn money back on your spending, an Amex cashback credit card will be your best bet, whereas if you’re a regular traveller, you’d want to look at a frequent flyer deal. Here are our picks from the (extensive) range.
Best American Express card for cashback
Amex offers dedicated cashback-earning cards, where a percentage of your day-to-day spending comes back to you in the form of account credit.
To get the best earn rates you’ll need to make your peace with an annual fee. Whether or not that’s worth shouldering will depend on how much you expect to use the card (if you’ll spend a lot on the card, you’ll earn enough cashback to cover the fee), and whether or not you expect to clear your balance each month (if you don’t clear your balance each month, you’ll likely pay much more in interest than you earn in cashback).
Best American Express card for points
The vast majority of Amex cards earn Membership Rewards points on all your day-to-day spending. And since these points can be redeemed against card purchases, they effectively do everything the cashback cards can. In fact, collecting points is perhaps an even more versatile choice, because Amex has regular opportunities to redeem your points for more than their equivalent cash worth (one Membership Rewards point is typically worth around 0.5p).
Amex cards also tend to come with lump-sum points bonuses when you sign-up for a card, when you recommend a friend (and they apply and get approved) or on your anniversary of card membership (how romantic).
The best points-earning credit cards keep you interested – in other words, when you’ve had the card for a year there are still engaging ways to earn and redeem points. Amex is pretty good at this, and you’ll get the best out of the points deals by engaging with the app to find points-earning and points-redeeming offers that you can take advantage of.
Best premium American Express card
While the near-mythical “Centurion Card” might be invitation-only (and come with a couple-of-thousand-pound joining fee), Amex offers a number of more attainable, but nonetheless premium, cards. If you like to squeeze every last perk out of your card, then these deals have more to offer than most of their Amex peers. They’re likely to best suit big-spending regular travellers who clear their balance each month.
Best American Express card for frequent flyers
Amex has partnered with Avios to offer a small but well-formed range of Avios-earning cards. These deals are all about collecting Avios on all your day-to-day spending, to be redeemed against flights. As you might expect, they’re best suited to frequent flyers who clear their balance in full every month.
Best American Express card for bad credit
American Express credit cards are generally offered to customers with a good credit score, so unfortunately you’re unlikely to be approved for the best Amex cards if you have poor or bad credit.
However, those with limited credit history may still be eligible for an American Express credit card, especially standard cards like the American Express Platinum Cashback Everyday card, or charge cards like the American Express Green card or American Express Basic Charge card.
Best Amex cards: a summary
How to choose the best Amex card
- Work out which type of credit card you want. Are you looking to earn cashback, rewards, or air miles, or do you just want the best rate?
- Research alternatives. While Amex offers a range of competitive cards, you may find a similar card from a different provider that better suits your situation.
- Compare cards.Make sure you take into account the APR, as well as any compulsory fees or charges.
- Check your eligibility If you’ve found the Amex that best suits you, you should see if you’re likely to be approved by using an American Express eligibility checker.
- Apply for the card. Once you’ve found a card and confirmed your eligibility, you can begin the formal application process.
Balance transfers? 0% deals?
Er, no. Sorry. Amex is more about the rewards than the savings.
But in better news, you can expect good old fashioned American customer service – Amex came top in Finder’s 2020 customer satisfaction league table, with 85% of customers willing to recommend Amex to a friend.
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