American Express credit cards

The American Express range of credit cards is geared towards people who pay off their balance every month. This is because they offer a range of rewards such as cashback, bonus points to redeem at certain stores or Avios points to spend on British Airways flights. Amex members can also benefit from access to tickets for shows and events. However, some cards charge an annual fee.

Compare American Express credit cards - Sorted by APR

  1. Great for
    Earning 5% cashback up to £100 in the first three months of card membership
    After three months, get a generous 0.5% cashback, or 1% cashback if you spend over £5,001 in a year
    You can still apply even if you have a American Express card already
    But be aware that
    You must spend a minimum of £3,000 in a year to qualify for cashback

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative rate will be 22.9% APR (variable).

  2. Bonus Avios

    9,000 bonus Avios when spending £1,000 within the first three months

    Great for
    One Avios for virtually every £1 you spend. 9,000 bonus Avios when spending £1,000 within the first three months
    No annual fee
    You can still apply even if you have a American Express card already

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative rate will be 22.9% APR (variable).

  3. Great for
    A 20,000 Nectar bonus points welcome offer - worth at least £100 to spend with Nectar partners when you spend and charge £2,000 to your account in your first three months
    The annual fee of £25 is waived for the first year

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £25 annual Fee your representative rate will be 25% APR (variable).

  4. Great for
    Earning 5% cashback up to £125 for the first three months of card membership
    After three months get a generous 1.00% cashback
    High spenders – spend over £10,001 in a year, you'll get 1.25% cashback
    But be aware that
    There is an annual fee of £25

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £25 annual Fee your representative rate will be 28.2% APR (variable).

  5. Great for
    Earning 10,000 welcome Starpoints® when over £1,000 is spent in the first three months
    You can still apply even if you have a American Express card already
    But be aware that
    £75 annual fee - but if you are a high spender the fee should enable you to earn more Starwood points

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £75 annual Fee your representative rate will be 36.2% APR (variable).

  6. Bonus Avios

    25,000 bonus Avios when spending £3,000 within the first three months

    Great for
    A Companion Voucher each year when you spend £10,000
    25,000 bonus Avios when spending £3,000 within the first three months
    Three Avios for every £1 spent with BA and 1.5 Avios for virtually every £1 you spend elsewhere
    But be aware that
    There is a £195 annual fee

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £195 annual Fee your representative rate will be 76% APR (variable).

Guide to American Express credit cards

American Express provides a range of credit cards to suit a variety of needs including cashback cards and reward cards.

Rewards offered range from Avios points (formerly known as Airmiles), to points which you can put towards hotel stays. 

American Express Card members also receive additional perks. For example, Amex’s Preferred Seating service enables you to track down tickets to shows and events often before they’re made available to the general public. Bear in mind, however, that American Express is not accepted in as many places as Mastercard and Visa.

American Express credit cards are fully regulated by the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund. 

Amex cards also come with additional protection for your purchases. If eligible items are stolen or accidentally damaged within 90 days, they will be replaced or refunded up to a value of £2,500. And if you change your mind within 90 days and your retailer won’t refund you, your card will, up to a value of £300.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

Close

Cookie use

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our 

Cookie Policy .

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less

Close