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.
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