Advertisement

American Express Credit Cards Review

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 Nectar

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: Representative 19.9% APR variable. Based on no annual fee, assumed borrowing of £1,200, rate of interest variable (annual) 19.9%
Annual Rates
Balance Transfers: 19.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an Income over £12,000 p.a

Credit Card Benefits

  • Get 5,000 bonus Nectar points welcome offer when you spend £500 in the first 3 months of Cardmembership

Amex Platinum Cash Back

Advice

Get 5% cashback in first 3 months of Card membership up to £2,000 (£100 cashback). After this you can earn cashback rates of 1.25% however, you can earn 2.5% cashback on all purchases for one month every year if you spend more than £10,001 in your previous 12 months of Cardmembership.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 22.9% p.a. (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 22.9% (variable) with a £25 annual Fee your Representative APR will be 22.9% (variable).
Annual Rates
Balance Transfers: 22.9% p.a. (variable)
Cash Advance: 27.9% p.a. (variable)
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% cashback in first 3 months of Card membership up to £2,000 (£100 cashback). After this you can earn cashback rates of 1.25% however, you can earn 2.5% cashback on all purchases for one month every year if you spend more than £10,001 in your previous 12 months of Cardmembership.

British Airways American Express

Advice

Get 3,000 bonus Avios when £500 is spent in the first 3 months!

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. (variable)
Cash Advance: 27.9% p.a. (variable)
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 3,000 bonus Avios when £500 is spent in the first 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

Advice

Get 18,000 Avios when £3,000 is spent in the first 3 months!
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: 56.4% 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: 56.4% p.a. (variable)
Cash Advance: 56.4% p.a. (variable)
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

  • Get 18,000 Avios when £3,000 is spent in the first 3 months!
  • £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