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. Exclusive

    You won't get this card on any other comparison site

    Great for
    Lowest APR American Express credit card with 9.9% standard rate and no annual fee
    Get 5,000 bonus Membership Rewards points when you spend £500 in your first three months – redeem for a gift card worth £25
    Earn 1 Membership Rewards point for every £1 you spend
    But be aware that
    You must be 18 or over to be eligible for this card
    You must have no history of bad debt
    You must have a permanent UK home address

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 9.9% p.a. (variable) your representative rate will be 9.9% APR (variable).

  2. Exclusive

    You won't get this card on any other comparison site

    Great for
    A simple credit card with no annual fee and 1 Membership Rewards point for every £1 you spend
    Get 10,000 bonus Membership Rewards points when you spend £1,000 in your first three months – redeem for a gift card worth £50
    As an Amex Cardmember you can pay for travel and entertainment with your points. Also, look out for Amex pre-sale tickets and restaurant discounts
    But be aware that
    You must be aged 18 or over
    You must have no history of bad debt
    You must have a permanent UK home address

    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. Exclusive

    You won't get this card on any other comparison site

    Great for
    A simple purchases credit card with no annual fee and 0% on purchases for 18 months
    Earn 1 Membership Reward point for every £1 you spend
    As an Amex Cardmember you can pay for travel and entertainment with your points. Also, look out for Amex pre-sale tickets and restaurant discounts.
    But be aware that
    You must be 18 or over to be eligible for this card.
    You must have no history of bad debt
    You must have a permanent UK home address

    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).

  4. Bonus Cashback

    Earn 3% cashback up to £15 on all purchases from Amazon in your first three months. T&Cs apply. Limited offer, ends 31st January 2017

    Great for
    Earn 5% cashback in the first three months, up to £100. Also earn 3% cashback up to £15 on all purchases from Amazon in your first three months, until 31st January 2017
    After the first 3 months, earn 0.5% cashback when you spend up to £5,000 and 1% cashback when you spend over £5,001
    You're eligible to apply for this card even if you've already got an American Express credit card
    But be aware that
    You must spend at least £3,000 a year on the card 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).

  5. Bonus Avios

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

    Great for
    Earn 1 Avios for virtually every full £1 you spend
    Get 9,000 bonus Avios when you spend at least £1,000 on your card in the first 3 months
    You're eligible to apply for this card even if you already have another American Express card
    But be aware that
    You're not eligible for the 9,000 bonus Avios if you've already got another British Airways American Express card, or have had one in the last 6 months

    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).

  6. Great for
    Earn 2 points for virtually every full £1 you spend on the card, and earn up to 4 points for virtually every full £1 you spend on the card at Nectar partners
    If you spend £2,000 on the card in the first 3 months you get 20,000 bonus Nectar points, worth £100 to spend at Nectar partners
    You won't have to pay the £25 annual fee in the first year
    But be aware that
    You'll have to pay a £25 annual fee

    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).

  7. Bonus Cashback

    Earn 3% cashback up to £15 on all purchases from Amazon in your first three months. T&Cs apply. Limited offer, ends 31st January 2017

    Great for
    Earn 5% cashback in the first three months, up to £125. Also earn 3% cashback up to £15 on all purchases from Amazon in your first three months, until 31st January 2017
    After the first 3 months, earn 1% cashback when you spend up to £10,000 and 1.25% cashback when you spend over £10,001
    But be aware that
    You'll have to pay a £25 annual fee

    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).

  8. Great for
    Earn 1 Starpoint for virtually every full £1 you spend
    Earn 10,000 welcome Starpoints when you spend more than £1,000 in the first 3 months
    You're eligible to apply for this card even if you've already got an American Express credit card
    But be aware that
    You'll have to pay a £75 annual fee

    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).

  9. Bonus Avios

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

    Great for
    Get a companion voucher every year when you spend at least £10,000 on your card
    Get 25,000 bonus Avios when you spend at least £3,000 on your card in the first 3 months
    Earn 3 Avios for every full £1 you spend with British Airways and 1.5 Avios for virtually every full £1 you spend elsewhere
    But be aware that
    You'll have to pay 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
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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.

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