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American Express UK Credit card
American Express Rewards Credit Card
Points
AMEX
Apply for American Express Rewards Credit Card

On American Express UK's secure site

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Credit card American Express UK American Express

Card review

American Express Rewards Credit Card

4.6 4.6 out of 5 9.2/10 DebitCue Score Verified

Flexible points with no annual fee, permanently free

Fee
No fee
Purchase APR
from 29.1%
Interest-free
56 days
Foreign fee
2.99%
Rewards
1 Membership Rewards point per £1 spent. Points transfer 1:1 to Avios, Virgin Flying Club, Hilton Honors, Marriott Bonvoy, ALL Accor, Nectar, Club Eurostar, and other partners.
Welcome offer
10,000 Membership Rewards points when spending £2,000 in the first 3 months

Our verdict

What stands out, and where it falls short.

What we like

  • 1 Membership Rewards point per £1 spent. Points transfer…
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
  • Pay in installments

Worth weighing

  • 2.99% foreign transaction fee
  • High interest if you carry a balance

Who It Is For

Whether the American Express Rewards Credit Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Frequent international travelers

Rates and fees

As of

All amounts shown in GBP.

Card fee
No fee
Purchase APR
from 29.1%
Interest-free period
56 days
Foreign transaction fee
2.99%
Representative APR
29.1% variable
Non-Sterling Transaction Fee
2.99%

Rewards and features

Rewards
1 Membership Rewards point per £1 spent. Points transfer 1:1 to Avios, Virgin Flying Club, Hilton Honors, Marriott Bonvoy, ALL Accor, Nectar, Club Eurostar, and other partners.
Welcome offer
10,000 Membership Rewards points when spending £2,000 in the first 3 months
Installments
Flexible instalment plan available
Pay with
Apple Pay, Google Pay, Contactless
Points Earn Rate
1 Membership Rewards point per £1 on all spend
Transfer Partners
Avios, Virgin, Hilton, Marriott, Accor, Nectar, Club Eurostar

Benefits and perks

Extras that come bundled with the card.

  • Amex Offers
    Targeted cashback and discounts at partner retailers
  • Refund Protection
    Refund protection on eligible purchases up to £200 per claim

Eligibility

What you need before you apply.

Minimum Income
£15,000 per annum

American Express Rewards Credit Card: your questions answered

Does the American Express Rewards Credit Card have a card fee?
No - the American Express Rewards Credit Card has no card fee.
What rewards does the American Express Rewards Credit Card earn?
The American Express Rewards Credit Card earns 1 Membership Rewards point per £1 spent. Points transfer 1:1 to Avios, Virgin Flying Club, Hilton Honors, Marriott Bonvoy, ALL Accor, Nectar, Club Eurostar, and other partners..
Does the American Express Rewards Credit Card charge foreign transaction fees?
Yes - the American Express Rewards Credit Card charges a 2.99% foreign transaction fee.
Is there an interest-free period on the American Express Rewards Credit Card?
Yes - up to 56 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the American Express Rewards Credit Card?
The American Express Rewards Credit Card has a purchase APR of from 29.1%.
Does the American Express Rewards Credit Card have a welcome offer?
Yes - 10,000 Membership Rewards points when spending £2,000 in the first 3 months.
Can I pay in installments with the American Express Rewards Credit Card?
Yes - Flexible instalment plan available.
Is the American Express Rewards Credit Card a credit, debit or prepaid card?
The American Express Rewards Credit Card is a credit card issued by American Express UK on the American Express network.
Does the American Express Rewards Credit Card support Apple Pay and Google Pay?
Yes - the American Express Rewards Credit Card works with both Apple Pay and Google Pay.
Where can I get the American Express Rewards Credit Card?
The American Express Rewards Credit Card is currently offered in United Kingdom.

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