American Express
Credit Cards Review

Compare American Express Credit Cards Compare American Express credit cards – read our review and compare the features and benefits available from American Express. We can help you to make an informed decision and find a card that suits you.

American Express offer a variety of Credit Cards with a range of rewards programs which include airmiles, reward points and nectar points together with highly competitive rates. American Express has always been famous for its cashback and reward programmes. Its Membership Rewards scheme was first launched in 1993, and in 2005 it went into partnership with Nectar, the UK’s leading reward scheme.
Rewards are accumulated for each pound you spend, and can be redeemed for a number of benefits including the following:
  • Airmiles - Earn Airmiles for every purchase you make on your credit card. These can then be redeemed as vouchers providing you with discounts off flights and holidays.
  • Points - Earn points for every purchase you make on your credit card. These can then be redeemed as vouchers accepted at a range of retailers and service providers.
  • Cashback – Earn cashback for every purchase you make. As cash is flexible you can spend this reward on whatever you like

Amex Platinum Cash Back

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Advice

Not only do you get 6 months 0% on purchases, you also get 5% cashback on up to £2,000 spend within 1st 3 months (Max £100). After this you can earn cashback rates of 1.25% with NO spend limit!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 months
Representative APR
Purchases: 18.5% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 14.0% (variable) with a £25 annual Fee your Representative APR will be 18.5% (variable).
Annual Rates
Balance Transfers: 18.5% p.a.
Cash Advance: 22.9% p.a.
Annual Fee: £25
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% p.a. for 3 months
Standard Cashback Rate: 1.25%
Approval Criteria
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have a household income of at least £20,000
  • I have no history of bad debt
  • If self-employed, I have been working for more than one year.

Credit Card Benefits

  • Purchase Protection: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase.
  • Refund Protection: Up to £200 per eligible item and £750 for every 365 day period.

Credit Card Cashback

  • Get 5% Cash Back on up to £2,000 spend within 1st 3 months (Max £100)
  • After this you can earn cashback rates of 1.25% with NO spend limit!!

British Airways American Express

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Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable).
Annual Rates
Balance Transfers: 19.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 57 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 or over
  • You have a current UK bank or building society account
  • You have an Annual Household Income of £30,000 (ie. your personal income plus partner's income)
  • You have a permanent UK home address
  • You have no County Court Judgements for non-payment of debt
  • If you are self-employed your company has been trading for more than a year

Credit Card Rewards

  • Collect Avios Airmiles to use with BA.
  • Get 3000 bonus miles if you spend £500 in 1st 3 months!
  • £1 = 1 Airmile
  • See how far 18,000 Avios Miles can take you:
  • 9,000 Avios Miles to Berlin
  • 15,000 Avios Miles to Rome
  • 15,000 Avios Miles to Barcelona
  • Free Travel Accident Insurance up to £75,000
  • Redeem your Avios Miles on a British Airways flight, and if you’ve spent £20,000 on your Card in one year, Amex will give you another ticket for a companion, for the same flight.

British Airways American Express Premium Plus

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Advice

Receive 18,000 bonus Avios Miles when you spend £3000 in the first three months of card membership!
There is a £150 annual fee for this card.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 50.1% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 19.9% (variable) with a £150 annual Fee your Representative APR will be 50.1% (variable).
Annual Rates
Balance Transfers: 50.1% p.a.
Cash Advance: 50.1% p.a.
Annual Fee: £150
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 57 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 or over
  • You have a current UK bank or building society account
  • You have an Annual Household Income of £30,000 (ie. your personal income plus partner's income)
  • You have a permanent UK home address
  • You have no County Court Judgements for non-payment of debt
  • If you are self-employed your company has been trading for more than a year

Credit Card Rewards

  • Receive 18,000 bonus Avios Miles when you spend £3000 in the first three months of card membership!
  • £1 = 1.5 Avios Airmile
  • Redeem your Avios Miles on a British Airways flight.
  • See how far 18,000 Avios Miles can take you:
  • 9,000 Avios Miles to Berlin
  • 15,000 Avios Miles to Rome
  • 15,000 Avios Miles to Barcelona
  • Plus, if you’ve spent £10,000 on your Card in one year, Amex will give you another ticket for a companion, for the same flight.
  • Free Travel Accident Insurance up to £250,000

American Express News

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