American Express

You're probably aware of the American Express name as a provider of credit cards, as it's one of the largest and oldest card providers in the world.

American Express specialises in premium cards. Most of its cards charge a monthly fee in return for a range of additional services. But it also offers everyday cards such as its Basic Card.

Amex previously offered insurance products, but has now entirely withdrawn from the UK insurance market. Existing policies won't be affected, but you can't now take out a new policy of any type.

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Credit cards

Ranked 6^th of 34 providers reviewed.

Customer happiness score	75.14%
Customer trust score	67.19%
Complaints performance	63.33%
Transparency rating	52.81%
Fairer Finance score Reviewed Autumn 2023	65%

Using card in Europe charge i	2.99%
Using card worldwide charge i	2.99%
Annual fee in first year i	£50.00
Representative APR i	39.7%
Rewards i	1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere

Rewards i	2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 40,000 Reward Points if you spend £6000 in the first three months of Cardmembership.. Unlimited Airport lounge access for the cardholder and guests across more than 500 airports, worldwide travel insurance cover for up to 120 days, purchase protection from theft or damage up to £2,500.
Annual Purchase Rate i
Annual fee in first year i	£595.00
Annual fee after first year i	£595.00
Representative APR i
Annual cash withdrawal rate i
Using card Europe charge i	2.99%
Using card worldwide charge i	2.99%

Rewards i	2% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere. £100 amazon voucher and no fee for first year introductory offer
Annual Purchase Rate i	28.3%
Annual fee in first year i	£0.00
Annual fee after first year i	£50.00
Representative APR i	39.7%
Annual cash withdrawal rate i	39.7%
Using card Europe charge i	2.99%
Using card worldwide charge i	2.99%

Reward extras i	Platinum concierge service, global dining collection, American Express offers, airport lounge access, worldwide travel insurance, hotel benefits, lodging benefits, car rental benefits, private taxi hire, global assist 24/7, airfare benefits, access to American Express Experiences, up to £100 Harvey Nichols credit each year, £150 statement credits to spend with participating restaurants each year
Representative APR i	0%
Risk based? i
Annual fee in first year i	£575.00
Annual fee after first year i	£575.00
Foreign purchase fee i	2.99%

Reward extras i	American Express Invites, Global Assist
Representative APR i	37.8%
Risk based? i
Annual fee in first year i	£0.00
Annual fee after first year i	£25.00
Foreign purchase fee i	2.99%

Reward extras i	Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites, access to American Express Experiences
Representative APR i	36.7%
Risk based? i
Annual fee in first year i	£25.00
Annual fee after first year i	£25.00
Foreign purchase fee i	2.99%

Reward extras i	Airport lounge access (up to 4 passes), Travel accident insurance (up to £250,000 on public transport), Travel inconvenience insurance (£200 for flight delay, overbooking or missed connection, £200 for baggage delay of 4 hours, £200 for extended baggage delay by airline), American Express Offers, American Express Invites, access to American Express Experiences, £5 discount on eligible Deliveroo purchases twice/month
Representative APR i	88.8%
Risk based? i
Annual fee in first year i	£0.00
Annual fee after first year i	£160.00
Foreign purchase fee i	2.99%

Foreign purchase fee i	2.99%
Foreign withdrawal fee i	3%
Representative APR i	0%
Number of days before interest is charged on non-sterling cash transactions i	0 days
Risk based? i
Representative purchase rate i	0%

American Express

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