Provider profile
American Express
UK lender offering credit cards
1
Products covered
Credit cards
Overview
About American Express
Editorial summary — not an endorsement.
American Express is a global payments and charge/credit card brand with a strong UK consumer presence. Amex cards are often chosen for rewards, travel benefits and purchase protection rather than rock-bottom APRs. Acceptance has grown in the UK but can still be narrower than Visa or Mastercard in some places. Credit limits and pricing are bespoke; many products suit borrowers with stronger credit who will clear balances or use rewards carefully.
Confirm current FCA permissions for American Express on the Financial Services Register before you apply.
Products offered
What American Express offers
Key product areas we track on WiT Money — rates and availability change.
Credit cards
Credit Card
American Express credit cards compared on WiT Money.
From 29.1%–~685%
Compare in categoryAt a glance
Pros and cons
Recorded product facts for American Express. Terms, eligibility and pricing can change.
Pros
- Strong rewards and lifestyle benefits on many cards
- Well-known brand with robust purchase protections
- 0% purchase and balance-transfer styles available on selected products
- Premium customer service reputation
Cons
- Merchant acceptance can be patchier than Visa/Mastercard
- Some cards carry annual fees after introductory periods
- Representative APRs can be high if you revolve a balance
- Typically requires a stronger credit profile
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Comparison links
See how American Express stacks up against other UK providers.
FAQ
Frequently asked questions about American Express
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