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Amex previously offered insurance products, but has now entirely withdrawn from the UK insurance market.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 7th of 32 providers reviewed.

Customer happiness 70%
Customer trust 62%
Complaints performance 72%
Transparency rating 42%
Fairer Finance score
Reviewed Autumn 2019
61%

Credit cards

0% purchase credit cards

American Express

Rewards Purchases

4 stars
Duration of purchases offer period i 18 months
Representative APR i 22.90%
Highest APR i 22.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.74%
Number of days before interest is charged on purchases i 56 days

Cashback and reward credit cards

5 stars
Reward extras i American Express Invites
Estimated amount of money customers get back in the 1st year (minus annual fee) i £316.50
Estimated amount of money customers get back after the 1st year (minus annual fee) i £191.50
Risk based? i
Annual fee after 1st year i £25
Foreign purchase fee i 2.99%

American Express

Platinum Cashback

5 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Estimated amount of money customers get back in the 1st year (minus annual fee) i £289.98
Estimated amount of money customers get back after the 1st year (minus annual fee) i £189.98
Risk based? i
Annual fee after 1st year i £25
Foreign purchase fee i 2.99%

American Express

Platinum Cashback Everyday

5 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Estimated amount of money customers get back in the 1st year (minus annual fee) i £256.98
Estimated amount of money customers get back after the 1st year (minus annual fee) i £166.98
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

The Starwood Preferred Guest

5 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
Estimated amount of money customers get back in the 1st year (minus annual fee) i £639.36
Estimated amount of money customers get back after the 1st year (minus annual fee) i £399.36
Risk based? i
Annual fee after 1st year i £75
Foreign purchase fee i 2.99%

American Express

British Airways

4 stars
Reward extras i 2-for-1 travel with a companion voucher, Travel accident insurance (£75k on public transport), Global Assist
Estimated amount of money customers get back in the 1st year (minus annual fee) i £193.59
Estimated amount of money customers get back after the 1st year (minus annual fee) i £153.59
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

British Airways Premium Plus

4 stars
Reward extras i Get 2-for-1 travel with a Companion Voucher when you spend £10k each year, Travel accident insurance (up to £250k on public transport), Travel inconvenience insurance (£200 for flight delay, overbooking or missed connection, £750 for baggage delay of 6 hours, £1k for extended baggage delay by airline), Global Assist
Estimated amount of money customers get back in the 1st year (minus annual fee) i £243.12
Estimated amount of money customers get back after the 1st year (minus annual fee) i £43.12
Risk based? i
Annual fee after 1st year i £195
Foreign purchase fee i 2.99%

American Express

Rewards Purchases

4 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Estimated amount of money customers get back in the 1st year (minus annual fee) i £95.99
Estimated amount of money customers get back after the 1st year (minus annual fee) i £95.99
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

Rewards Credit Card

4 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Estimated amount of money customers get back in the 1st year (minus annual fee) i £120.99
Estimated amount of money customers get back after the 1st year (minus annual fee) i £95.99
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

American Express

Rewards Low Rate

4 stars
Reward extras i Travel accident insurance (up to £150k on public transport), Global Assist, American Express Offers, American Express Invites
Estimated amount of money customers get back in the 1st year (minus annual fee) i £108.49
Estimated amount of money customers get back after the 1st year (minus annual fee) i £95.99
Risk based? i
Annual fee after 1st year i £0
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
Estimated amount of money customers get back in the 1st year (minus annual fee) i £94.98
Estimated amount of money customers get back after the 1st year (minus annual fee) i £94.98
Risk based? i
Annual fee after 1st year i £72
Foreign purchase fee i 2.99%

American Express

Preferred Rewards Gold

3 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
Estimated amount of money customers get back in the 1st year (minus annual fee) i £149.22
Estimated amount of money customers get back after the 1st year (minus annual fee) i -£40.78
Risk based? i
Annual fee after 1st year i £140
Foreign purchase fee i 2.99%

Foreign use credit cards

American Express

Vitality Credit Card

1 stars
Representative APR i 36.70%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

British Airways

1 stars
Representative APR i 22.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

British Airways Premium Plus

1 stars
Representative APR i 76%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%
1 stars
Representative APR i 28.20%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

Platinum Cashback

1 stars
Representative APR i 28.20%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

Platinum Cashback Everyday

1 stars
Representative APR i 22.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

Rewards Purchases

1 stars
Representative APR i 22.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

Rewards Credit Card

1 stars
Representative APR i 22.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

Rewards Low Rate

1 stars
Representative APR i 9.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 0.79%

American Express

The Starwood Preferred Guest

1 stars
Representative APR i 39.70%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

American Express

Preferred Rewards Gold

1 stars
Representative APR i 57.60%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

Low rate credit cards

American Express

Rewards Low Rate

1 stars
Representative APR i 9.90%
Representative cash transaction interest rate i 2.08%
Representative purchase rate i 0.79%
Risk based? i
Representative balance transfer rate i
Representative money transfer rate i