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American Express UK Credit Cards

10 CARDS

American Express UK offers a variety of credit cards to suit individual needs, including premium cards with rewards, cashback, and travel perks. Known for excellent customer service, Amex UK also provides purchase protection, fraud prevention, and easy account management via mobile and online banking.

American Express UK

Nectar Credit Card

4.4

OUR RATING

Representative APR

36.5% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£0 for year 1. Then £30 p.a. from year 2 onwards.

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., and a fee of £0 in year 1 and £30 per annum from year 2 onwards, most accepted customers get a rate of 36.5% APR (variable).

4.4

OUR RATING

Quick Look

The American Express UK Nectar credit card carries a £30 annual fee (£0 for the first year). New members can earn up to 20,000 Nectar points by spending £2,000 within the first three months of membership. For those who use the card for everyday spending and typically reach this amount within three months, the rewards can effectively cover the annual fee and more.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Nectar Points
Incentive on opening First year’s Cardmembership fee is free. Earn 20,000 Nectar points when you spend £2,000 in your first three months of Cardmembership.
Cashback rate (if applicable) Collect 2 points for every full £1 spent on the Card. Collect a minimum of 3 points per £1 spent at Nectar partners when using Credit Card and loyalty card.
Account Fees £0 for year 1. Then £30 p.a. from year 2 onwards.
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Amex® Cashback

4.2

OUR RATING

Representative APR

35.3% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£25

Representative Example: At an assumed credit limit of £1,200 with a purchase rate of 29.7% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 35.3% APR (variable).

4.2

OUR RATING

Quick Look

The American Express UK Amex® Cashback credit card operates similarly to the Amex Cashback Everyday card but includes an annual fee of £25 due to earning more points per £1 spent. New cardmembers can earn a welcome bonus of 5% cashback on purchases, up to £125, during the first three months of membership.

Issuer American Express UK
Network American Express
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership.
Cashback rate (if applicable) After your welcome bonus period (first three months), you’ll earn 0.75% cashback on spend up to £10,000. You will then receive 1.25% cashback on spend above £10,000
Account Fees £25
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Amex® Cashback Everyday

4.2

OUR RATING

Representative APR

29.7% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., most accepted customers get a rate of 29.7% APR (variable).

4.2

OUR RATING

Quick Look

The American Express UK Amex® Cashback Everyday credit card offers 5% cashback on purchases (up to £125) during the first five months of membership. After this introductory period, the cashback rate adjusts to between 0.5% and 1% depending on spending levels. With no annual fee, this card provides a straightforward rewards system where all cashback earned is a bonus.

Issuer American Express UK
Network American Express
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening Get 5% cashback on your purchases (up to £125) for the first five months of card membership.
Cashback rate (if applicable) After the introductory period, you will earn 0.50% for £1 to £10,000 of yearly spend and 1.00% after £10,001 of yearly spend (minimum yearly spend £3,000)
Account Fees £0
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Preferred Rewards Gold

4.0

OUR RATING

Representative APR

86.8% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£0 for your first year. Then £195 p.a. from year 2.

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., and a fee of £0 in year 1 and £195 per annum from year 2, most accepted customers get a rate of 86.8% APR (variable).

4.0

OUR RATING

Quick Look

The American Express UK Preferred Rewards Gold credit card offers extra points on travel related purchases (terms apply) and includes a welcome bonus. It carries a high annual fee of £195, waived for the first year. Cardholders also receive two £5 Deliveroo statement credits each month, providing additional value for dining and delivery.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Earn 30,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 27 May 2025.
Cashback rate (if applicable) Earn 1 Membership Reward point for every £1 you spend. 2X points on purchases made directly with airlines for every £1 spent. 3X points on American Express Travel for every £1 spent. Get a £5 Deliveroo statement credit - twice every month.
Account Fees £0 for your first year. Then £195 p.a. from year 2.
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

The Platinum Card

4.0

OUR RATING

Representative APR

691.7% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£650 p.a.

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., and a fee of £650 per annum, most accepted customers get a rate of 691.7% APR (variable).

4.0

OUR RATING

Quick Look

The American Express UK Platinum Card is designed for high spenders, particularly frequent travellers. It carries a high annual fee of £650 but offers complimentary access to over 1,400 airport lounges worldwide in more than 140 countries, along with exclusive travel benefits. Members can also enjoy up to £400 in Global Dining Credit annually at select restaurants (enrolment required).

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Earn 50,000 Membership Rewards® points when you spend £6,000 in your first three months of Cardmembership. That’s enough for a trip to Europe or up to £250 worth of Gift Cards. New Cardmembers only. Terms apply, 18+, subject to status.
Cashback rate (if applicable) Earn 1 Membership Rewards point for every £1 spent. Earn 2X points on amextravel.co.uk for every £1 spent.
Account Fees £650 p.a.
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

British Airways Credit Card

4.5

OUR RATING

Representative APR

29.7% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., most accepted customers get a rate of 29.7% APR (variable).

4.5

OUR RATING

Quick Look

The American Express UK British Airways credit card offers £0 annual fees and a welcome bonus for new cardmembers. It features an Avios rewards program and includes a referral scheme where you can earn 4,000 Avios points for each successful referral.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Avios
Incentive on opening Earn 5,000 avios points when you spend £2K within 3 months of account opening.
Cashback rate (if applicable) Earn 1 Avios for every £1 spent. Get a Companion Voucher when you spend £12,000 each membership year on the Card or, if travelling solo, a 50% discount on the Avios price you pay for your flight.
Account Fees £0
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 0.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

British Airways Premium Plus

4.1

OUR RATING

Representative APR

137.1% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£300 p.a.

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., and a fee of £300 per annum, most accepted customers get a rate of 137.1% APR (variable).

4.1

OUR RATING

Quick Look

The American Express UK British Airways Premium Plus credit card is designed for high spenders and frequent travellers. It carries a high annual fee but offers a tailored Avios rewards program for frequent flyers. Cardholders can also earn 9,000 Avios points for each successful friend referral.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Avios
Incentive on opening 30,000 bonus Avios when you spend £6,000 in your first three months of Cardmembership. Plus, a Companion Voucher in any cabin, including business & first class when you spend £15,000 in a membership year.
Cashback rate (if applicable) Collect 1.5 Avios for every £1 spend on Purchases. Earn 3 Avios for every £1 spent with British Airways and BA Holidays
Account Fees £300 p.a.
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 0.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Marriott Bonvoy Credit Card

4.1

OUR RATING

Representative APR

53.3% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£95 p.a.

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., and a fee of £95 per annum, most accepted customers get a rate of 53.3% APR (variable).

4.1

OUR RATING

Quick Look

The American Express UK Marriott Bonvoy credit card is designed for frequent travellers who stay at hotels within the Marriott Bonvoy Programme. It offers additional perks for customers who typically spend between £10,000 and £15,000 annually, making it a valuable option for loyal Marriott guests.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Earn 20,000 bonus Marriott Bonvoy® points when you spend £3,000 in the first three months of card membership. Receive 15 Elite Night Credits toward the next Marriott Bonvoy Elite status upon card approval (new cardmembers) and each calendar year thereafter.
Cashback rate (if applicable) Earn 2 points for every £1 spent. Earn 6 points for every £1 spent on eligible Marriott properties. Upgrade to Gold Elite when you spend £15,000 in purchases on your Card each year. Receive one free night after you spend £25,000 in an anniversary year. Book direct with Marriott for a 2 night minimum stay at The Ritz-Carlton® or St. Regis® and get up to $100 in credit for qualifying charges.
Account Fees £95 p.a.
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 0.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Rewards Credit Card

4.5

OUR RATING

Representative APR

29.7% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., most accepted customers get a rate of 29.7% APR (variable).

4.5

OUR RATING

Quick Look

The American Express UK Rewards credit card offers a straightforward rewards program with no annual fees. Cardholders can redeem points via PayPal and other partners, including Amazon, Boots, and Currys PC World. The card typically features a welcome bonus and a referral scheme for earning extra points.

Issuer American Express UK
Network American Express
Primary Category Rewards
Loyalty Scheme Points
Incentive on opening Earn 10,000 bonus Membership Rewards® points when you spend £2,000 in first 3 months of cardmembership. Referral scheme which earns you 4000 points for every successful referral.
Cashback rate (if applicable) Earn 1 Membership Rewards point for every £1 spent
Account Fees £0
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 0.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

American Express UK

Vitality Credit Card

3.7

OUR RATING

Representative APR

42.9% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., most accepted customers get a rate of 42.9% APR (variable).

3.7

OUR RATING

Quick Look

The American Express UK Vitality credit card is a no annual fee card featuring a cashback scheme tied to Vitality health and life insurance plans. As of 15th April 2025, cardholders can earn up to 2% cashback on credit card spending when they purchase a qualifying Vitality plan and engage in specific healthy activities. Cashback boosts are available for those with two qualifying plans, elevating them to Vitality Pink status. This offer is exclusive to the Vitality American Express® credit card.

Issuer American Express UK
Network American Express
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening If you spend £2,000 in your first three months of Cardmembership, you will get £100 cashback.
Cashback rate (if applicable) Spend £0 to £10,000 and get 0.5% on purchases in the proceeding 12 months. Spend over £10,000 and get 1% cashback on purchases in the proceeding 12 months. If you become Vitality Pink by purchasing health and life insurance plans, you will benefit from a Vitality healthy cashback booster to up to 2%. So you could earn up to 3% cashback on the Card.
Account Fees £0
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 37.7% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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