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Amex previously offered insurance products, but has now entirely withdrawn from the UK insurance market.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 1st of 30 providers reviewed.

Customer happiness 72.29%
Customer trust 65.67%
Complaints performance 74.48%
Transparency rating 50%
Fairer Finance score
Reviewed Autumn 2021
66%

Credit cards

Cashback and reward credit cards

4 stars
Reward extras i American Express Invites, Global Assist
Risk based? i
Annual fee in 1st year i £0
Annual fee after 1st year i £25
Foreign purchase fee i 2.99%

American Express

Platinum Cashback

4 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Risk based? i
Annual fee in 1st year i £25
Annual fee after 1st year i £25
Foreign purchase fee i 2.99%

American Express

Platinum Cashback Everyday

4 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Risk based? i
Annual fee in 1st year i £0
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

Marriott Bonvoy card

4 stars
Reward extras i Travel accident insurance (up to £150k 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
Risk based? i
Annual fee in 1st year i £75
Annual fee after 1st year i £75
Foreign purchase fee i 2.99%

American Express

Vitality Credit Card

4 stars
Reward extras i Travel accident insurance, between 0-2% extra cashback depending on you activity as monitored by vitality, Global Assist
Risk based? i
Annual fee in 1st year i £0
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

Rewards Credit Card

3 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Risk based? i
Annual fee in 1st year i £0
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

Platinum card

1 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
Risk based? i
Annual fee in 1st year i £575
Annual fee after 1st year i £575
Foreign purchase fee i 2.99%

American Express

Preferred Rewards Gold

1 stars
Reward extras i Airport lounge access, Hotel Benefits (room upgrade and $75 if staying 2 nights at The Hotel Collection), Travel accident insurance (up to £250k 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), Global Assist, Car Rental Benefits (membership to Hertz Gold Plus Rewards - 10% off rental, 1 upgrade on bookings of 5 days or more), and additional driver fee waived), American Express Offers, American Express Invites
Risk based? i
Annual fee in 1st year i £0
Annual fee after 1st year i £140
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 41.60%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%

American Express

Vitality Credit Card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 39.70%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%
1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 29.80%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%

American Express

Platinum Cashback

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 29.80%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%

American Express

Platinum Cashback Everyday

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 24.50%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%

American Express

Rewards Credit Card

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 24.50%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%

American Express

Preferred Rewards Gold

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 59.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.85%