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

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

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.
Tip Icon

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

Product Features & Benefits

 

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/Rewards (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 Fee £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

Fees & Charges

 

Account Fee £0 for year 1. Then £30 p.a. from year 2 onwards.
Late Payment £ 12
Returned Payment £ 12
Exceed Limit £ 0
Duplicate Statement £ 2
Replacement Card £ 0
Trace Fee £ 0
Cash Withdrawal Fee 3%
Cash Withdrawal Minimum Charge £ 3
Foreign Usage EU 2.99%
Foreign Usage World 2.99%

Application Requirements

 

Availability Nectar member with a valid Nectar membership number.
Minimum Income £ 0
Minimum Age 18
Residency Permanent resident in the UK.

Find the right Credit Card for you

Tick bullet point icon
Does not impact your credit score
Tick bullet point icon
Find out which credit cards you’re eligible for
Tick bullet point icon
34.4% Representative APR (variable)

Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.

Lendable Ltd: Who they are, the products they offer, and customer reviews

Lendable Ltd: Who they are, the products they offer, and customer reviews

Lendable Ltd is the regulated fintech behind Zable and thimbl credit cards in the UK. Understand who they are and ...
Thimbl credit card review 2025: Features, eligibility and how it works

Thimbl credit card review 2025: Features, eligibility and how it works

Thimbl is a credit builder card backed by Lendable Ltd and designed for people with limited credit history ...
Zable Credit Card Review: Is it legit, safe, and worth it?

Zable Credit Card Review: Is it legit, safe, and worth it?

Read on as we explain how the Zable credit card works, who it's for and how to apply ...