{"id":341311,"date":"2020-10-13T21:45:57","date_gmt":"2020-10-13T20:45:57","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=341311"},"modified":"2026-01-28T16:21:32","modified_gmt":"2026-01-28T16:21:32","slug":"the-best-american-express-credit-cards-of-date","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/the-best-american-express-credit-cards-of-date","title":{"rendered":"The best American Express credit cards rated"},"content":{"rendered":"<h3 id=\"compare\">Which is the best American Express credit card in the UK?<\/h3><p>This depends on what you want from your credit card. As one of the world\u2019s most popular credit card providers, American Express offers <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\">probably the UK\u2019s widest selection of cards<\/a> offering benefits like cashback, rewards, airmiles and luxury travel perks.<\/p><p>So if you\u2019re looking to earn money back on your spending, an Amex cashback credit card will be your best bet, whereas if you\u2019re a regular traveller, you\u2019d want to look at a frequent flyer deal. Here are our picks from the (extensive) range.<\/p><h3>Best American Express card for cashback<\/h3><p>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.<\/p><p>To get the best earn rates you\u2019ll need to make your peace with an annual fee. Whether or not that\u2019s worth shouldering will depend on how much you expect to use the card (if you\u2019ll spend a lot on the card, you\u2019ll earn enough cashback to cover the fee), and whether or not you expect to clear your balance each month (if you don\u2019t clear your balance each month, you\u2019ll likely pay much more in interest than you earn in cashback).<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Amex\u00ae\u00a0Cashback Credit\u00a0Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/65ba78885ea7c.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"Amex\u00ae\u00a0Cashback Credit\u00a0Card\" src=\"https:\/\/www.finder.com\/niche-builder\/65ba78885ea7c.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/65ba78885ea7c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65ba78885ea7c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65ba78885ea7c.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/65ba78885ea7c.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--74 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n<a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-platinumcashbackcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22925fb57b-0a1a-4563-a45a-ee8fce00a7d5%22%2C%22product_name%22%3A%22Amex%25C2%25AE%25C2%25A0Cashback%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224713%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.UKCCF_BEST_HERO%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22341311%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Fthe-best-american-express-credit-cards-of-date%22%2C%22post_country%22%3A%22uk%22%7D\" style=\"margin-top: .5rem; border-radius: 7px;\" type=\"button\"><span>Check eligibility<\/span><\/a>\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-platinum-cashback-card\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">34.6<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">Up to \u00a3<\/span>0<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Intro cashback<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">Up to <\/span>56<span class=\"text-xx-small\" style=\"font-weight: normal\"> days<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Interest-free each billing period<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">\u00a3<\/span>700<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Minimum credit limit<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-925fb57b-0a1a-4563-a45a-ee8fce00a7d5\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-925fb57b-0a1a-4563-a45a-ee8fce00a7d5\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-925fb57b-0a1a-4563-a45a-ee8fce00a7d5\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-925fb57b-0a1a-4563-a45a-ee8fce00a7d5\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nDespite a few T&amp;Cs, this cashback deal is hard to beat \u2013 offering a whopping 5% on purchases in your first 3 months. After that you'll earn 1% on the first \u00a310,000 you spend annually and 0.75% thereafter (uncapped). Like most Amex cards, it comes with a raft of benefits to keep you interested, like travel accident insurance (subject to enrolment) and refer-a-friend bonuses.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-925fb57b-0a1a-4563-a45a-ee8fce00a7d5\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>A cashback deal that's hard to beat<\/li>\r\n\r\n<li>\r\n\r\n<li>No limit on cashback earnings after the introductory period<\/li>\r\n\r\n<li>\r\n\r\n<li>Complimentary supplementary cards<\/li>\r\n\r\n<li>\r\n\r\n<li>Earn rewards for each friend\/family member that successfully applies<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Minimum spend requirement to access the top earn-rate<\/li>\r\n\r\n<li>\r\n\r\n<li>Account fee of \u00a325 per year<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-925fb57b-0a1a-4563-a45a-ee8fce00a7d5\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Residency<\/th>\r\n<td>UK resident and has a UK bank or building society account.<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>20000<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.99%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>3<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 34.6% APR variable. Based on \u00a325 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><h3>Best American Express card for points<\/h3><p>The vast majority of Amex cards earn <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-membership-rewards-points\">Membership Rewards points<\/a> 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).<\/p><p>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).<\/p><p>The best points-earning credit cards keep you interested \u2013 in other words, when you\u2019ve had the card for a year there are still engaging ways to earn and redeem points. Amex is pretty good at this, and you\u2019ll 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.<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">The American\u00a0Express\u00ae\u00a0Rewards Credit\u00a0Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/65ba78b300227.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"The American\u00a0Express\u00ae\u00a0Rewards Credit\u00a0Card\" src=\"https:\/\/www.finder.com\/niche-builder\/65ba78b300227.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/65ba78b300227.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65ba78b300227.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65ba78b300227.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/65ba78b300227.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--78 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n<a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-rewardscreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a4f3e337-21b0-482c-88ee-593c4285c419%22%2C%22product_name%22%3A%22The%2BAmerican%25C2%25A0Express%25C2%25AE%25C2%25A0Rewards%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224708%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.UKCCF_BEST_HERO%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22341311%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Fthe-best-american-express-credit-cards-of-date%22%2C%22post_country%22%3A%22uk%22%7D\" style=\"margin-top: .5rem; border-radius: 7px;\" type=\"button\"><span>Check eligibility<\/span><\/a>\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-rewards-credit-card\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">29.1<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">\u00a3<\/span>0<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Account fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">10,000<span class=\"text-xx-small\" style=\"font-weight: normal\"> points<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Max. intro bonus<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n \r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1<span class=\"text-xx-small\" style=\"font-weight: normal\"> point<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a31 spent<\/p>  \r\n\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-a4f3e337-21b0-482c-88ee-593c4285c419\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-a4f3e337-21b0-482c-88ee-593c4285c419\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-a4f3e337-21b0-482c-88ee-593c4285c419\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-a4f3e337-21b0-482c-88ee-593c4285c419\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nEnjoy a simple but versatile rewards scheme with the American Express Rewards Credit Card. You'll earn one Membership Reward point for virtually every pound you spend, and with no annual fee to worry about, you're free to use the card as little or as much as you wish. If you do manage to spend \u00a32,000 in your first 3 months you'll enjoy an impressive 5,000-point bonus.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-a4f3e337-21b0-482c-88ee-593c4285c419\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>Customers report excellent customer service when dealing with American Express<\/li>\r\n\r\n<li>Earn points on day-to-day spending<\/li>\r\n\r\n<li>No annual fee<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>The card doesn\u2019t come with as many perks as other American Express cards<\/li>\r\n\r\n<li>Foreign exchange fees charged on transactions abroad<\/li>\r\n\r\n<li>Applicants with low credit scores are unlikely to be eligible<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-a4f3e337-21b0-482c-88ee-593c4285c419\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Residency<\/th>\r\n<td>UK resident and has a UK bank or building society account.<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>15000<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.99%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>3<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 29.1% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><h3>Best premium American Express card<\/h3><p>While the near-mythical \u201cCenturion Card\u201d 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\u2019re likely to best suit big-spending regular travellers who clear their balance each month.<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">American Express\u00ae Preferred Rewards Gold Credit\u00a0Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"American Express\u00ae Preferred Rewards Gold Credit\u00a0Card\" src=\"https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/64a526febf43b.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--80 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n<a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-preferredrewardsgoldcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e1445fa0-34b3-47fe-b50c-4b69a3a2ac36%22%2C%22product_name%22%3A%22American%2BExpress%25C2%25AE%2BPreferred%2BRewards%2BGold%2BCredit%25C2%25A0Card%22%2C%22offer_id%22%3A%2224700%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.UKCCF_BEST_HERO%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22341311%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Fthe-best-american-express-credit-cards-of-date%22%2C%22post_country%22%3A%22uk%22%7D\" style=\"margin-top: .5rem; border-radius: 7px;\" type=\"button\"><span>Check eligibility<\/span><\/a>\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">85.8<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">40,000<span class=\"text-xx-small\" style=\"font-weight: normal\"> points<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Max. intro bonus<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n \r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1<span class=\"text-xx-small\" style=\"font-weight: normal\"> point<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a31 spent<\/p>  \r\n\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">3<span class=\"text-xx-small\" style=\"font-weight: normal\"> points<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a31 spent with select partners<\/p>\r\n\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nThis statement premium rewards card offers Membership Rewards points by the bucketload plus a variety of enticing benefits like airport lounge access and travel inconvenience and travel accident insurance (subject to enrolment). Although there's an annual fee, it's waived in year one.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No annual fee in first year<\/li>\r\n\r\n<li>Access to pre-sale tickets<\/li>\r\n\r\n<li>4 complimentary Priority Pass airport lounge visits<\/li>\r\n\r\n<li>It's a gold Amex... enough said. OK, not enough said \u2013 a good credit card has to do more than just look the part \u2013 but it's certainly a card that raises a few eyebrows.<\/li>\r\n\r\n<li>The array of benefits the card offers is enormous. This could be Amex trying to keep customers on board after year one, because there's a decent chance cardholders will still be uncovering new benefits at 12 months in!<\/li>\r\n\r\n<li>Amex customer service is refreshingly good. When we put it to the test there was no waiting on hold and no being transferred from pillar to post.<\/li>\r\n\r\n<li>The <a href=\"https:\/\/www.finder.com\/uk\/american-express-preferred-rewards-gold-credit-card#amexapp\">app<\/a> is better than many we've seen and gives you a good deal of control.<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Despite the network's recent \"Shop small\" campaign, if you're in the sticks and paying at a small independent merchant, Amex could well be off the table. To its credit, Amex is trying to fix this (you could <a href=\"https:\/\/www.americanexpress.com\/uk\/benefits\/shop-small\/shoppers.html\" rel=\"nofollow noopener noreferrer\" target=\"_blank\">earn cashback on your spending at participating small businesses<\/a>), but it's not going to change overnight. Carry a decent back-up option and it's not really a problem.<\/li>\r\n\r\n<li>Some of the card's perks take a bit of research and \"activating\" on your own part. It's all about getting cardholders engaged.<\/li>\r\n\r\n<li>That annual fee... it's not small. However you can use year one to try the card on for size, and to get an idea of the true value to you personally of all those perks, points and offers.<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Residency<\/th>\r\n<td>UK resident and has a UK bank or building society account.<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>20000<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.99%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>3<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 85.8% APR variable. Based on \u00a3195 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><h3>Best American Express card for frequent flyers<\/h3><p>Amex has partnered with Avios to offer a small but well-formed range of <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\/avios-credit-cards\">Avios-earning cards<\/a>. These deals are all about collecting Avios on all your day-to-day spending, to be redeemed against flights. As you might expect, they\u2019re best suited to frequent flyers who clear their balance in full every month.<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">British Airways American Express\u00ae Credit Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/61dd5ee632a8d.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"British Airways American Express\u00ae Credit Card\" src=\"https:\/\/www.finder.com\/niche-builder\/61dd5ee632a8d.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/61dd5ee632a8d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/61dd5ee632a8d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/61dd5ee632a8d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/61dd5ee632a8d.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--80 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n<a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-britishairwayscreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22e04fef19-d6a3-47e8-b266-3a280971b1d6%22%2C%22product_name%22%3A%22British%2BAirways%2BAmerican%2BExpress%25C2%25AE%2BCredit%2BCard%22%2C%22offer_id%22%3A%2224706%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.UKCCF_BEST_HERO%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22341311%22%2C%22post_path%22%3A%22credit-cards%252Famerican-express%252Fthe-best-american-express-credit-cards-of-date%22%2C%22post_country%22%3A%22uk%22%7D\" style=\"margin-top: .5rem; border-radius: 7px;\" type=\"button\"><span>Check eligibility<\/span><\/a>\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/british-airways-american-express-credit-card\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">29.1<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">\u00a3<\/span>0<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Account fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">5,000<span class=\"text-xx-small\" style=\"font-weight: normal\"> points<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Max. intro bonus<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n \r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1<span class=\"text-xx-small\" style=\"font-weight: normal\"> point<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a31 spent<\/p>  \r\n\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-e04fef19-d6a3-47e8-b266-3a280971b1d6\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-e04fef19-d6a3-47e8-b266-3a280971b1d6\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-e04fef19-d6a3-47e8-b266-3a280971b1d6\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-e04fef19-d6a3-47e8-b266-3a280971b1d6\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nA great everyday credit card that lets you earn Avios points on almost all purchases. Your points can then be redeemed for flights with a range of airlines, flight upgrades, hotels and more. You'll also pay no annual fee, and can earn up to 5,000 bonus points if you spend \u00a31,000 in the first 3 months.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-e04fef19-d6a3-47e8-b266-3a280971b1d6\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No annual fee<\/li>\r\n\r\n<li>Earn Avios as you spend<\/li>\r\n\r\n<li>Generous welcome offer<\/li>\r\n\r\n<li>Free supplementary cards<\/li>\r\n\r\n<li>Companion flight voucher each year you spend \u00a315,000<\/li>\r\n\r\n<li>Use Amex\u2019s referral programme to boost your points earnings. For every friend who is approved, you receive 4,000 Avios (up to 9,000 Avios). Check out our <a href=\"https:\/\/www.finder.com\/uk\/your-guide-to-the-american-express-referral-programme\">guide to Amex's referral programme<\/a><\/li>\r\n\r\n<li>Travel accident insurance up to \u00a375,000 (subject to enrolment), plus access to Global Assist\u00ae 24\/7 emergency assistance<\/li>\r\n\r\n<li>Refund Protection (90 days to return, receive max \u00a3200 per item, \u00a3750 per year)<\/li>\r\n\r\n<li>No annual fee<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Big spenders who clear their balance in full each month may get more from the <a href=\"https:\/\/www.finder.com\/uk\/british-airways-american-express-premium-plus-credit-card\">Premium Plus card<\/a><\/li>\r\n\r\n<li>If you carry an outstanding balance month-to-month, the relatively high interest rate will cancel out any benefits<\/li>\r\n\r\n<li>Welcome bonus limited to new Cardmembers or those who have not held a personal American Express card in the past 24 months.<\/li>\r\n\r\n<li>This card carries a {{ RATES_AND_FEES.FOREIGN_USAGE_CHARGE_EU }} foreign usage charge<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-e04fef19-d6a3-47e8-b266-3a280971b1d6\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Residency<\/th>\r\n<td>UK resident and has a UK bank or building society account.<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>15000<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.99%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>3<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 29.1% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><h3>Best American Express card for bad credit<\/h3><p>American Express credit cards are generally offered to customers with a good credit score, so unfortunately you\u2019re unlikely to be approved for the best Amex cards if you have poor or bad credit.<\/p><p>However, those with limited credit history may still be eligible for an American Express credit card, especially standard cards like the <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-platinum-cashback-everyday-card\">Amex Platinum Cashback Everyday card<\/a>, or charge cards like the <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-basic-charge-card\">American Express Basic Charge card<\/a>.<\/p><h3>Watch our ultimate Amex review video here:<\/h3><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"fGqZJ8YziqM\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/fGqZJ8YziqM\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/fGqZJ8YziqM\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/fGqZJ8YziqM\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">16:39<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-fGqZJ8YziqM\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3 id=\"summary\">Best Amex cards: a summary<\/h3><ul class=\"list-10 has-margin-bottom\"><li>Best American Express for cashback: <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-platinum-cashback-card\">Amex Platinum Cashback credit card<\/a><\/li><li>Best American Express for points: <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-rewards-credit-card\">American Express Rewards credit card<\/a><\/li><li>Best premium American Express card: <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\">American Express Preferred Rewards Gold credit card<\/a><\/li><li>Best American Express for frequent flyers: <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/british-airways-american-express-credit-card\">British Airways American Express credit card<\/a><\/li><\/ul><h3>How to choose the best Amex card<\/h3><ol><li><strong>Work out which type of credit card you want.<\/strong> Are you looking to earn cashback, rewards, or air miles, or do you just want the best rate?<\/li><li><strong>Research alternatives.<\/strong> While Amex offers a range of competitive cards, you may find a similar card from a different provider that better suits your situation.<\/li><li><strong>Compare cards.<\/strong>Make sure you take into account the APR, as well as any compulsory fees or charges.<\/li><li><strong>Check your eligibility<\/strong> If you\u2019ve found the Amex that best suits you, you should see if you\u2019re likely to be approved by using an American Express eligibility checker.<\/li><li><strong>Apply for the card.<\/strong> Once you\u2019ve found a card and confirmed your eligibility, you can begin the formal application process.<\/li><\/ol><h3>Balance transfers? 0% deals?<\/h3><p>Er, no. Sorry. Amex is more about the rewards than the savings.<\/p><p>But in better news, you can expect good old fashioned American customer service \u2013 Amex came top in Finder\u2019s 2020 customer satisfaction league table, with 85% of customers willing to recommend Amex to a friend.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do I register to manage my card account online?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This can be done via the website\u2019s online registration service. Alternatively, you may wish to download the Amex App \u2013 you can register there too. You\u2019ll then be able to set up your own unique user ID and password for instant secure access.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I get cash on my American Express Card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Eligible credit cardmembers are automatically enrolled for cash access upon card issuance (reviewed after 6 months if ineligible at this time). Charge cardmembers must apply for cash access by completing an enrolment form.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I redeem and or transfer my Membership Rewards points?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The best way to do this is to check out the available rewards online and once you\u2019ve made a choice, click to redeem or transfer points to frequent flyer or frequent guest programme partners. You can also do this by calling customer services.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Are Amex and American Express the same?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. \u201cAmex\u201d is essentially a nickname, used interchangeably with American Express. Some people use Amex to refer to the Network (Amex cards aren\u2019t on the Visa or Mastercard networks \u2013 Amex has its own network), and American Express to refer to the card issuer.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I earn Avios points with Uber?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. If you link your Uber and British Airways Executive Club accounts you can collect 1 Avios for evry \u00a31 you spend on Ubder rides, as well as trains, coaches and Eurostar journeys when you book through the Uber app.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Who accepts American Express credit cards?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>American Express credit cards are more widely accepted than you may think. More and more card readers are accepting American Express transactions making Amex cards more appealing to customers, and more competitive to the market. If you\u2019re looking to see if a specific business accepts Amex cards, you can use the free \u2018Where accepts Amex?\u2019 tool on the American Express website. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">What are the interest rates on American Express credit cards<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Interest rates vary from card to card. Rates start from 29.1% and go up to 685.3%.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Looking for the best American Express Credit credit card? 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This guide - featuring ALL personal credit cards - will help you find right one for you! \n\ud83d\udcb3 Compare Amex cards \ud83d\udc49 https:\/\/fndr.ws\/CompareAmexCreditCards\n\ud83e\udd11 Get EXTRA cashback with the Amex Everyday Cashback Card \ud83d\udc49 https:\/\/fndr.ws\/ExtraCashback\n\n(Contains paid promotion)\n\nBefore diving in, it's a great idea to compare a whole bunch of credit cards. We've compared over 120 for you to check out here \ud83d\udc49 https:\/\/fndr.ws\/CompareCreditCards\n\n\u203c\ufe0f Disclaimer \u203c\ufe0f \nWe 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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. 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