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Amex previously offered insurance products, but has now entirely withdrawn from the UK insurance market.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

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Business Credit Cards

10 products reviewed

Foreign Use Business Credit Cards

5 products reviewed

American Express

Amazon Business Amex Card

Feature Value
Annual fee in first year
£0.00
Using card in Europe charge
2.99%
Using card worldwide charge
2.99%
Representative APR
37.9%
American Express

Amazon Business Prime Amex Card

Feature Value
Annual fee in first year
£50.00
Using card in Europe charge
2.99%
Using card worldwide charge
2.99%
Representative APR
37.9%
American Express

Business Gold Card

Feature Value
Annual fee in first year
£0.00
Using card in Europe charge
2.99%
Using card worldwide charge
2.99%
Representative APR
N/A
American Express

British Airways Amex Accelerating Business Card

Feature Value
Annual fee in first year
£250.00
Using card in Europe charge
2.99%
Using card worldwide charge
2.99%
Representative APR
104.9%
American Express

Business Platinum Card

Feature Value
Annual fee in first year
£650.00
Using card in Europe charge
2.99%
Using card worldwide charge
2.99%
Representative APR
N/A
Reward Business Credit Cards

5 products reviewed

American Express

Amazon Business Prime Amex Card

Feature Value
Rewards
2% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere or 90 day extended payment terms. £100 amazon voucher and no fee for first year introductory offer. No annual fee if users spend £8,000 or more each year. 2% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere or 90 day extend Read more
Annual Purchase Rate
26.4%
Annual fee in first year
£50.00
Annual fee after first year
£50.00
Airline Reward Scenario - first year
N/A
Airline Reward Scenario - second year
N/A
Representative APR
37.9%
Using card Europe charge
2.99%
Using card worldwide charge
2.99%
American Express

Business Platinum Card

Feature Value
Rewards
2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 120,000 Reward Points if you spend £12,000 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. 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 12 Read more
Annual Purchase Rate
29.1%
Annual fee in first year
£650.00
Annual fee after first year
£650.00
Airline Reward Scenario - first year
£530.00
Airline Reward Scenario - second year
£530.00
Representative APR
N/A
Using card Europe charge
2.99%
Using card worldwide charge
2.99%
American Express

Amazon Business Amex Card

Feature Value
Rewards
1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere. Or 60 day extended payment terms 1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere. Or 60 day ext Read more
Annual Purchase Rate
26.4%
Annual fee in first year
£0.00
Annual fee after first year
£50.00
Airline Reward Scenario - first year
N/A
Airline Reward Scenario - second year
N/A
Representative APR
37.6%
Using card Europe charge
2.99%
Using card worldwide charge
2.99%
American Express

British Airways Amex Accelerating Business Card

Feature Value
Rewards
Earn 1.5 Avios for every £1 spent, with 3 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. Earn 1.5 Avios for every £1 spent, with 3 Avios earnt per £1 on British Airways flights. Earn 30,000 bonus Avios if you Read more
Annual Purchase Rate
26.6%
Annual fee in first year
£250.00
Annual fee after first year
£250.00
Airline Reward Scenario - first year
£290.00
Airline Reward Scenario - second year
£290.00
Representative APR
104.9%
Using card Europe charge
2.99%
Using card worldwide charge
2.99%
American Express

Business Gold Card

Feature Value
Rewards
2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 60,000 bonus Rewards Points if you spend £6,000 in the first three months. Travel accident insurance up to £250,000 and purchase protection insurance up to £2,500. 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 60 Read more
Annual Purchase Rate
29.1%
Annual fee in first year
£0.00
Annual fee after first year
£195.00
Airline Reward Scenario - first year
£360.00
Airline Reward Scenario - second year
£165.00
Representative APR
N/A
Using card Europe charge
2.99%
Using card worldwide charge
2.99%

Credit cards

16 products reviewed

Cashback and reward credit cards

8 products reviewed

American Express

Platinum Card

Feature Value
Reward extras
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. £250 Amex travel credit. Platinum concierge service, global dining collection, American Express offers, airport lounge access, worldwide travel i Read more
Representative APR
685.3%
American Express

Nectar

Feature Value
Reward extras
American Express Invites, Global Assist
Representative APR
35.8%
American Express

Platinum Cashback

Feature Value
Reward extras
Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites, access to American Express Experiences Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Read more
Representative APR
34.6%
American Express

Platinum Cashback Everyday

Feature Value
Reward extras
Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Read more
Representative APR
29.1%
American Express

Rewards Credit Card

Feature Value
Reward extras
Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Invites Travel accident insurance (up to £150,000 on public transport), Global Assist, American Express Offers, American Express Read more
Representative APR
29.1%
American Express

Marriott Bonvoy Card

Feature Value
Reward extras
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. Travel accident insurance (up to £150,000 on public transport), Travel inconvenience insurance (£150 for flight delay, o Read more
Representative APR
52.5%
American Express

Preferred Rewards Gold

Feature Value
Reward extras
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 Airport lounge access (up to 4 passes), Travel accident insurance (up to £250,000 on public transport), Travel inconveni Read more
Representative APR
85.8%
American Express

Vitality Credit Card

Feature Value
Reward extras
Travel accident insurance (up to £150,000 on public transport), between 0-2% extra cashback depending on you activity as monitored by Vitality (£4.75 per month fee for access to Vitality Programme, Global Assist, American Express Offers, American Express invites). Travel accident insurance (up to £150,000 on public transport), between 0-2% extra cashback depending on you activity as Read more
Representative APR
42.2%
Foreign use credit cards

8 products reviewed

American Express

Platinum Card

Feature Value
Representative APR
685.3%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Marriott Bonvoy Card

Feature Value
Representative APR
52.5%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Vitality Credit Card

Feature Value
Representative APR
42.2%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Nectar

Feature Value
Representative APR
35.8%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Platinum Cashback

Feature Value
Representative APR
34.6%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Platinum Cashback Everyday

Feature Value
Representative APR
29.1%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Rewards Credit Card

Feature Value
Representative APR
29.1%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days
American Express

Preferred Rewards Gold

Feature Value
Representative APR
85.8%
Foreign purchase fee
2.99%
Foreign withdrawal fee
3%
Number of days before interest is charged on non-sterling cash transactions
0 days

Travel insurance

12 products reviewed

Annual multi-trip insurance

3 products reviewed

American Express

Enhanced

Feature Value
Medical excess
£75.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
American Express

Premier

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£10,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
American Express

Essentials

Feature Value
Medical excess
£100.00
Cancelling before travel cover limit
£2,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£3,000,000.00
Missed departure cover limit
£250.00
Natural disaster relocation cover Yes
Single trip insurance

3 products reviewed

American Express

Premier

Feature Value
Cancelling before travel cover limit
£10,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£10,000,000.00
Missed departure cover limit
£1,000.00
Natural disaster relocation cover Yes
American Express

Enhanced

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£1,000.00
Emergency medical cover and repatriation cover limit
£5,000,000.00
Missed departure cover limit
£500.00
Natural disaster relocation cover Yes
American Express

Essentials

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£500.00
Emergency medical cover and repatriation cover limit
£3,000,000.00
Missed departure cover limit
£250.00
Natural disaster relocation cover Yes
Travel insurance add-on: cruise cover

3 products reviewed

American Express

Enhanced

Feature Value
Missed port departure cover limit
£1,000.00
Re-joining a cruise cover limit
£1,000.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£75.00
Timetable/itinerary change cover limit
£0.00
Unused excursions cover limit
£500.00
American Express

Essentials

Feature Value
Missed port departure cover limit
£1,000.00
Re-joining a cruise cover limit
£1,000.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£100.00
Timetable/itinerary change cover limit
£0.00
Unused excursions cover limit
£500.00
American Express

Premier

Feature Value
Missed port departure cover limit
£1,000.00
Re-joining a cruise cover limit
£1,000.00
Cabin confinement cover limit
£1,000.00
Missed port departure excess
£50.00
Timetable/itinerary change cover limit
£0.00
Unused excursions cover limit
£500.00
Travel insurance add-on: winter sports

3 products reviewed

American Express

Essentials

Feature Value
Ski equipment owned cover limit
£1,000.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£500.00
Ski equipment hired
£1,000.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
American Express

Premier

Feature Value
Ski equipment owned cover limit
£1,000.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£500.00
Ski equipment hired
£1,000.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00
American Express

Enhanced

Feature Value
Ski equipment owned cover limit
£1,000.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£500.00
Ski equipment hired
£1,000.00
Piste closure cover limit
£500.00
Unused ski pass due to illness or injury
£400.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Credit cards

Ranked 11th of 33 providers reviewed

Customer happiness score 72.33%
Customer trust score 68.66%
Complaints performance 66.81%
Transparency rating 56.78%

Fairer Finance Score

Reviewed Autumn 2026

 66.14%