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Amex previously offered insurance products, but has now entirely withdrawn from the UK insurance market.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.


American Express
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Gold ribbon: first place

Credit cards

Ranked 3rd of 31 providers reviewed.

Customer happiness 73.12%
Customer trust 66.27%
Complaints performance 70.14%
Transparency rating 50.89%
Fairer Finance score
Reviewed Spring 2022
65%

Business Credit Cards

Foreign Use Business Credit Cards

American Express

Amazon Business Amex Card

3 stars
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 34.2%
Rewards i 1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere

American Express

Amazon Business Prime Amex Card

3 stars
Using card in Europe charge i 2.99%
Using card worldwide charge i 2.99%
Annual fee in first year i £0.00
Representative APR i 34.2%
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

American Express

Business Gold Card

2 stars
Using card in Europe charge i 2.99%
Using card worldwide charge i 2.99%
Annual fee in first year i £0.00
Representative APR i
Rewards i 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. 10,000 extra Reward Points if you spend £20,000 per quarter. 20,000 bonus Reward Points if you spend £3,000 in the first three months.Travel accident insurance up to £250,000 and purchase protection insurance up to £2,500

American Express

British Airways Amex Accelerating Business Card

1 stars
Using card in Europe charge i 2.99%
Using card worldwide charge i 2.99%
Annual fee in first year i £250.00
Representative APR i 99.2%
Rewards i Earn 1.5 Avios for every £1 spent, with 2 Avios earnt per £1 on British Airways flights. Earn 30,000 bonus Avios if you spend £60,000 per year on purchases. Earn 30,000 bonus Avios if you spend £5,000 in first 3 months.

American Express

Business Platinum Card

1 stars
Using card in Europe charge i 2.99%
Using card worldwide charge i 2.99%
Annual fee in first year i £595.00
Representative APR i
Rewards i 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. 40,000 Reward Points if you spend £6,000 in the first three months. Unlimited Airport lounge access for cardholder and guest across more than 500 airports, worldwide travel insurance cover for up to 120 days, purchase protection from theft or damage up to £2,500.

Reward Business Credit Cards

American Express

Business Platinum Card

5 stars
Rewards i 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. 40,000 Reward Points if you spend £6,000 in the first three months. Unlimited Airport lounge access for cardholder and guest 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%

American Express

Amazon Business Prime Amex Card

4 stars
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 23.3%
Annual fee in first year i £0.00
Annual fee after first year i £50.00
Representative APR i 34.2%
Annual cash withdrawal rate i 28.6%
Using card Europe charge i 2.99%
Using card worldwide charge i 2.99%

American Express

British Airways Amex Accelerating Business Card

4 stars
Rewards i Earn 1.5 Avios for every £1 spent, with 2 Avios earnt per £1 on British Airways flights. Earn 30,000 bonus Avios if you spend £60,000 per year on purchases. Earn 30,000 bonus Avios if you spend £5,000 in first 3 months.
Annual Purchase Rate i 23.6%
Annual fee in first year i £250.00
Annual fee after first year i £250.00
Representative APR i 99.2%
Annual cash withdrawal rate i 28.6%
Using card Europe charge i 2.99%
Using card worldwide charge i 2.99%

American Express

Amazon Business Amex Card

3 stars
Rewards i 1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere
Annual Purchase Rate i 23.3%
Annual fee in first year i £50.00
Annual fee after first year i £50.00
Representative APR i 34.2%
Annual cash withdrawal rate i 28.6%
Using card Europe charge i 2.99%
Using card worldwide charge i 2.99%

American Express

Business Gold Card

2 stars
Rewards i 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. 10,000 extra Reward Points if you spend £20,000 per quarter. 20,000 bonus Reward Points if you spend £3,000 in the first three months.Travel accident insurance up to £250,000 and purchase protection insurance up to £2,500
Annual Purchase Rate i
Annual fee in first year i £0.00
Annual fee after first year i £175.00
Representative APR i
Annual cash withdrawal rate i
Using card Europe charge i 2.99%
Using card worldwide charge i 2.99%

Credit cards

Cashback and reward credit cards

American Express

Platinum card

5 stars
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%
4 stars
Reward extras i American Express Invites, Global Assist
Representative APR i 31.3%
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%

American Express

Platinum Cashback

4 stars
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 31.3%
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%

American Express

Platinum Cashback Everyday

4 stars
Reward extras i Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites
Representative APR i 26%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

American Express

Marriott Bonvoy card

4 stars
Reward extras i Travel accident insurance (up to £150,000 on public transport), Travel inconvenience insurance (£150 for flight delay, overbooking or missed connection, Extra £150 for extended delay, £600 for baggage delay of 6 hours, £850 for extended baggage delay by airline), Global Assist, American Express Offers, American Express invites, receive one free night at a Marriott Bonvoy participating hotel if you spend £25,000 in a year.
Representative APR i 43.3%
Risk based? i
Annual fee in first year i £75.00
Annual fee after first year i £75.00
Foreign purchase fee i 2.99%

American Express

Vitality Credit Card

4 stars
Reward extras i Travel accident insurance (up to £150,000 on public transport), between 0-2% extra cashback depending on you activity as monitored by Vitality, Global Assist, American Express Offers, American Express invites
Representative APR i 41.3%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

American Express

Preferred Rewards Gold

3 stars
Reward extras i Airport lounge access, 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 61.8%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £140.00
Foreign purchase fee i 2.99%

American Express

Rewards Credit Card

2 stars
Reward extras i Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites
Representative APR i 26%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Foreign use credit cards

American Express

Platinum card

1 stars
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

Marriott Bonvoy card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 43.3%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%

American Express

Vitality Credit Card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 41.3%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%
1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 31.3%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%

American Express

Platinum Cashback

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 31.3%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%

American Express

Platinum Cashback Everyday

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 26%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%

American Express

Rewards Credit Card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 26%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%

American Express

Preferred Rewards Gold

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 61.8%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.94%