Semantic Coherence: American Express UK – Signal Evidence & AI Readability

[H1] Welcome to American Express Customer Service

[H2] Explore the help centre to read answers to some of the most frequently asked questions

Forgot Login

Create an Account

Replace a Card

Confirm My Card

Update Personal Details

Open a Dispute

Eligibility Checker

Traveling Soon

[H3] Hi, how can we help?

Can I withdraw cash using my card?

What are the different ways I can pay my bill?

How do I dispute a charge?

How do I make a Travel Insurance claim?

Getting Started

Find tools and information to help you get started with your American Express® Account

Account Management

Activate and manage your Account online. Update information to stay up to date with American Express

Payments & Billings

View statements and understand American Express fees and balances. Get help making a payment

Benefits & Rewards

Browse Membership Rewards® categories, Credit Card benefits, offers and more

Security, Privacy & Fraud

American Express security. Protecting you, wherever you are

Challenging Times

Find support and information to help manage life's ups and downs, such as money worries, health concerns or life events

Merchant Services

American Express Merchant Services Account help for payments, supplies and disputes

Business Customer Centre

Explore the ways American Express can help your business thrive

Corporate Customer Centre

Learn how to get the most from your Corporate Card, whether you are new, managing an Account or a Programme Administrator

@Work Resource Centre

Learn more about managing your employee spending onboarding, expense reconciliation, purchasing authority, and more

Travel Centre

Find travel help resources to book a trip, discover benefits, manage bookings, and more

[H3] Useful Links

Chat With Us

Visit your Account and locate the chat icon in the bottom right corner of your screen.

Online Services Tutorials

Check out our online services tutorials.

Contact Us

Get in touch with us. We are always here to help.

[H2] Why American Express?
[H3] Premium Service
Our customer service team is available 24/7, via phone, text, email or mail.
[H3] Fraud Protection
Shop online in total confidence thanks to our Fraud Protection Guarantee.
[H3] Warmly Welcomed
Your American Express® Card is accepted at thousands of places across the country, the globe, and the web.

[H1] Credit Cards

Explore Credit Cards and the world of opportunities they offer. Find out more about exclusive benefits and rewards and pick the right American Express product for your needs and lifestyle.

Explore all Cards

Explore Card Benefits

[H2] UNDERSTANDING CREDIT CARDS

American Express offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests. Whether you want to earn points or cashback on purchases, we make it all possible.

[H3] What is a Credit Card?

A Credit Card lets you borrow money up to a certain credit limit to make online or in-store purchases. You’ll then need to repay the amount owed in full before the due date, to avoid interest charges and fees.

Also, some Credit Cards charge an annual fee in return for richer rewards, features and benefits. The amount, as well as the value of the rewards, varies from Card to Card.

Credit Card fees may also refer to amounts added to your balance in certain situations, like if you withdraw cash, miss a payment or only make the minimum payment at the end of the month.

To find out more, navigate to the How do Credit Cards Work section.

Learn about Credit Cards

Explore all Credit Cards

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[H3] How do Credit Cards Work?

When you use your Card to make purchases, your credit provider lends you money and pays the merchant on your behalf. This means you owe your credit provider the amount spent. We wont charge interest on the balance you owe us, provided you pay the full amount you owe on or before each statement date, every month. Otherwise, we’ll charge interest daily from the date an amount is due on your Account, until it’s paid in full.

You can see your monthly interest rates at the top of your monthly statement, or in your Cardmember Agreement. You’ll also see an estimate of the interest that will be applied to your Account, assuming you can only pay the minimum amount due. Click here to find out more about interest rates.

APR is the annual percentage rate that always includes the purchase rate and for Amex® Cards with an annual fee, also their fee. This fee varies from Card to Card and depends on the benefits they offer.

Learn more

How to apply for a Credit Card
Credit Score explained
Eligibility Checker

Pros and cons of having a Credit Card
Benefits of American Express® Cards

[H2] WHAT DO YOU NEED TO APPLY FOR A CREDIT CARD

Thinking about submitting an application? To apply for a personal Card in the UK you need to meet certain eligibility criteria:

[H3] How to pick the right Credit Card

To choose the right Credit Card, carefully consider your financial habits and goals. You’ll also need to:

Check Credit Limits
Your Credit Card has a limit, which is the maximum amount of money you can borrow. Knowing your credit limit is the first step to keeping your balance under control. You can also make regular payments on your balance to avoid going over your limit.

Review Fees and Charges
The charges you pay partly depend on the type of Card you have and how you use it. For example, some of our Cards have no annual fee. Read your Card's terms and conditions to understand the interest rates and fees associated.

Learn more about Interest Rates
To find the right card for your needs, familiarise yourself with Annual Percentage Rate (APR) to understand how interest is calculated.

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[H3] How to Apply for an American Express® Credit Card?

Thinking about submitting an application? Check out our guide to get the best tips on how to apply for a Credit Card, what information to have ready to hand and what to expect after your application is submitted.

Credit Card Application Guide

Explore all Credit Cards

[H3] Eligibility Criteria

As well as using our Eligibility Checker to find out if you’re eligible for an Amex Card, you can use the following checklist:

I am aged 18 or over
I have no history of bad debt
I have a permanent UK home address
I have a current UK bank or building society account
You may also need to provide your employment, income and bank account information for some of our Cards, that have additional specific eligibility criteria.

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FIND OUT IF YOU'RE ELIGIBLE WITH OUR ELIGIBILITY CHECKER

Only takes a couple of minutes to complete

Will not impact your
credit rating

Allows you to apply
with confidence

Eligibility Checker

Understanding Credit Limit
Credit Card Repayments
Credit Score explained

Credit Card fees and charges
Understanding Credit Card Interest and APR
Repayment of a Credit Card

[H2] COMPARE CREDIT CARDS

[H3] Multi Card Carousel

[H2]

[IMG: The Platinum Card®]

[H3] The Platinum Card®
Tap into a breadth of travel and lifestyle benefits including £400 worth of annual dining credits1, global lounge access and worldwide travel insurance for you and your family.2

Representative Example

Purchase Rate: 29.1% p.a. (variable)⁷
Annual Fee: £650 ⁸
Representative APR: 685.3% APR variable⁹
Assumed Credit Limit: £1,200 ¹⁰

Credit limit and interest rates depend on our credit assessment of you and may differ from those shown.

Learn More
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View all Cards

[IMG: American Express® Preferred Rewards Gold Credit Card]

[H3] American Express® Preferred Rewards Gold Credit Card
Make the most of your spending by using points towards purchases made on your Card. From a trip away, to dining out, you can pay for it with your points. 25,000 points is worth up to £125 in gift card redemption.

Representative Example

Purchase Rate: 29.1% p.a. (variable) ⁷
Annual Fee: £195 (£0 in your first year)¹¹
Representative APR: 85.8% APR variable⁹
Assumed Credit Limit: £1,200 ¹⁰

Credit limit and interest rates depend on our credit assessment of you and may differ from those shown.

Learn More
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View all Cards

[IMG: British Airways American Express® Credit Card]

[H3] British Airways American Express® Credit Card
Add value to your travel with a Card that allows you to collect Avios on purchases you are already making, with no annual fee. Collect 1 Avios for every £1 spent on purchases.3

Representative Example

Purchase Rate: 29.1% p.a. (variable)⁷
Annual Fee: No annual fee
Representative APR: 29.1% APR variable⁹
Assumed Credit Limit: £1,200 ¹⁰

Credit limit and interest rates depend on our credit assessment of you and may differ from those shown.

Learn More
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View all Cards

[IMG: Amex® Cashback Everyday Credit Card]

[H3] Amex® Cashback Everyday Credit Card
Enjoy a simple, straightforward way to earn cash rewards, The more purchases you make on your Card, the more cashback you could earn.

Representative Example

Purchase Rate: 29.1% p.a. (variable)⁷
Annual Fee: No annual fee
Representative APR: 29.1% APR variable⁹
Assumed Credit Limit: £1,200 ¹⁰

Credit limit and interest rates depend on our credit assessment of you and may differ from those shown.

Learn More
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View all Cards

[IMG: The American Express® Rewards Credit Card]

[H3] The American Express® Rewards Credit Card
Redeem points you earn for a wide range of retail and travel purchases with our great partners, including Amazon, Boots and Currys PC World. Earn one Membership Rewards® point for every full pound you spend on purchases.4

Representative Example

Purchase Rate: 29.1% p.a. (variable)⁷
Annual Fee: No annual fee
Representative APR: 29.1% APR variable⁹
Assumed Credit Limit: £1,200 ¹⁰

Credit limit and interest rates depend on our credit assessment of you and may differ from those shown.

Learn More
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View all Cards

[IMG: Marriott Bonvoy® American Express® Card]

[H3] Marriott Bonvoy® American Express® Card
Earn Marriott Bonvoy points with every purchase with the Amex Marriott Bonvoy Credit Card and receive automatic Silver Status5 and 15 Elite Night Credits​.6

Representative Example

Purchase Rate: 29.1% p.a. (variable)⁷
Annual Fee: £95 ⁸
Representative APR: 52.5% APR variable⁹
Assumed Credit Limit: £1,200 ¹⁰

Credit limit and interest rates depend on our credit assessment of you and may differ from those shown.

Learn More
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View all Cards

[H2] THE TYPES OF CREDIT CARDS WE OFFER

Explore our range of Credit Cards to find the one that suits your needs and lifestyle.

[H3] Multi-Card Carousel

[IMG: Premium Cards]

[H3] Premium Cards
Receive a variety of premium benefits such as airport lounge access or 2-4-1 travel vouchers on top of earning points for your everyday spend.

[IMG: Travel Rewards Cards]

[H3] Travel Rewards Cards
Enjoy all the benefits, convenience and security of an American Express® Card when travelling, with the added bonus of earning points when you make purchases at home and abroad.

[IMG: Cashback Credit Cards]

[H3] Cashback Credit Cards
American Express® Cashback Credit Cards give you all the benefits and convenience of an American Express® Credit Card, whist earning you cashback on your purchases.

[IMG: Rewards Credit Cards]

[H3] Rewards Credit Cards
Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for flights, hotels, Gift Cards and more.

[IMG: Business Credit Cards]

[H3] Business Credit Cards
Access cash flow, features to support your Business and rewards on all eligible Card spend with Amex® Business Cards.

[IMG: No Annual Fee Credit Cards]

[H3] No Annual Fee Credit Cards
Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.

Explore Credit Card Types

[H2] MANAGING YOUR CREDIT CARD

With American Express you can manage your Account online to stay informed, make payments and access exclusive benefits on the go:

[H3] Manage your Account any time, anywhere

With American Express you can manage your Account online for more control and convenience.

From temporarily freezing your Card to checking out Amex Offers, manage your Account safely and securely anytime, anywhere with the American Express® App.

Learn more

Download the Mobile App

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