Great for: Everyday cash back with no fee
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
Cashback rewards are hard to come by these days, but if that’s what you’re looking for, the American Express Cashback Everyday Credit Card may be a good bet. The standard cashback yield is 0.5%, but for those that spend more than £5,000, that bumps up to 1% (from 4th August 2021, that £5k figure will change to £10k). New cardholders also get a bonus of 5% cashback over the first three months, which maxes out at £100. Its sister card offers a bigger welcome bonus and higher cashback, but the Everyday Credit Card has the advantage of no fee.
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- Fair/Average
- Good/Excellent
what we like
- 5% cashback for first 3 months (up to £100, subject to eligibility)
- 0.5% – 1% cashback after first 3 months, depending on spend
- No annual fee
- No cap on cashback earned
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.2% -
INTRO OFFER:
5% cashback for first 3 months (up to £100)
KEY SCORES:
- 4/5 Perks
- 5/5Fees
- 3.5/5APR
Great for: Collecting Avios and On Business Points
This card offers reward points – and lots of them! With it, you gain access to the On Business Points reward scheme and the Avios rewards scheme. The card allows you to earn points at an accelerated rate: 1.5 On Business Points for every eligible £1 spent and 1.5 Avios for every eligible £1 spent. On top of that, American Express is offering a welcome award of 2,200 On Business Points if you are approved and spend £3,000 in the first three months of card membership. Do note that these benefits don’t come for free. The card carries an annual fee of £210.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 2,200 On Business Points when you spend £3,000 in the first 3 months (subject to approval)
- 1.5 On Business Points for every £1 of eligible spend
- 1.5 Avios for every £1 of eligible spend
- No cap on points earned
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ANNUAL FEE:
£210 -
REPRESENTATIVE APR:
80.3% -
INTRO OFFER:
2,200 On Business Points if you spend £3,000 in the first 3 months (subject to approval)
KEY SCORES:
- 5/5 Perks
- 1/5Fees
- 2.5/5APR
Great for: Premium charge-card experience
This card is the jewel in American Express’s Business Charge Card crown. As expected, it has benefits such as its Membership Rewards programme and purchase protection, but it also has a plethora of more exclusive perks such as airport lounge access, hotel upgrades and a dedicated concierge service. Just make sure you can afford the price tag attached, an annual fee of £595.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards point per £1 spent
- 40,000 bonus Membership Rewards points after spending £6,000 in first 3 months
- Access to 1,000+ airport lounges
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ANNUAL FEE:
£595 -
REPRESENTATIVE APR:
N/A -
INTRO OFFER:
40,000 bonus Membership Rewards points (after spending £6,000 in first three months)
KEY SCORES:
- 5/5 Perks
- 1/5Fees
- N/AAPR
Great for: Attractive rewards with no annual fee
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
The American Express Rewards Credit Card gives you access to a popular reward scheme and leaves out the price tag. With no annual fee, you can immediately start feeling the benefit of one Membership Rewards point for every £1 you spend. The real selling point is for new cardmembers, who, if eligible, could earn themselves a windfall of 5,000 bonus points if they spend £2,000 in the first three months. And did we mention no annual fee?
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards Point per £1 spent
- 5,000 bonus Membership Rewards Points when you spend £2,000 in first three months (subject to eligibility)
- No annual fee
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.2% -
INTRO OFFER:
5,000 Membership points if you spend £2,000 in the first three months (subject to eligibility)
KEY SCORES:
- 4.5/5 Perks
- 4.5/5Fees
- 3.5/5APR
Great for: Premium charge card experience
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
If you can get your head around spending £575 a year on a payment card, then you stand to benefit from all that The Platinum Card can offer. This high-end experience from American Express includes access to 1,200 airport lounges worldwide, comprehensive travel insurance for you and your family (subject to enrolment), hotels benefits, Membership Rewards points and a platinum concierge service. Note that this is a charge card, not a credit card, so you have to pay down your balance in full each month.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards Point per £1 spent
- 30,000 bonus Membership Rewards Points when you spend £4,000 in first three months (subject to eligibility)
- Complimentary airport lounge access at more than 1,200 lounges around the world
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ANNUAL FEE:
£575 -
REPRESENTATIVE APR:
N/A -
INTRO OFFER:
30,000 Membership Reward points if you spend £4,000 in the first three months (subject to eligibility)
KEY SCORES:
- 5/5 Perks
- 1/5Fees
- N/AAPR
Great for: Earning rewards while charging business expenses
The American Express Gold Business Charge Card offers a fuller package than the basic charge card, with a payment period of up to 54 days on purchases, the Membership Rewards programme, travel insurance, purchase protection, and refund protection. However, you do have to pay for these benefits in the form of a £175 annual fee and a 2.99% non-sterling transaction fee if you use it abroad.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- Earn 1 Amex Membership Rewards point per £1 spent
- 20,000 rewards points bonus (after spending £3,000 in first 3 months)
- No annual fee for the first year
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ANNUAL FEE:
£175 -
REPRESENTATIVE APR:
N/A -
INTRO OFFER:
20,000 rewards points bonus (after spending £3,000 in first 3 months)
£0 Annual Fee in First Year
KEY SCORES:
- 3/5 Perks
- 1/5Fees
- N/AAPR
Great for: Collecting Nectar points for everyday spend
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
Building up your Nectar point balance is this card’s defining feature. Cardholders can earn 2 points for every £1 spent (except at warehouse retailers), and a minimum of 3 points per £1 spent at Nectar partners when using the credit card and the loyalty card. Add to that a welcome bonus of 20,000 points for eligible new cardholders that spend £2,000 in the first three months, and Nectar scheme users are looking at a decent payout. The card does have a £25 annual fee, but this is waived for the first year of membership.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 2 Nectar points for (almost) every £1 spent
- 3 Nectar points per £1 at Nectar partners when using your loyalty card, 1 point per £1 at warehouse retailers
- 20,000 bonus Nectar points when you spend £2,000 in first three months (subject to eligibility)
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ANNUAL FEE:
£25 (£0 in first year) -
REPRESENTATIVE APR:
27.3% -
INTRO OFFER:
20,000 Nectar points when you spend £2,000 in first 3 months (subject to eligibility)
KEY SCORES:
- 3/5 Perks
- 4/5Fees
- 3.5/5APR
Great for: Everyday cash back with an extra boost for big spenders
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. The downside is that the card carries an annual fee of £25. However, you get 5% cashback over the first three months (up to £125) and 1% cash back after that (0.75% after 4 August 2021). And if you spend more than £10,001, you unlock an even higher 1.25% cashback rate.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 5% cashback for first 3 months (up to £125, subject to eligibility)
- 1%-1.25% cashback after first 3 months, depending on spend (0.75%-1.25% from 4 August ’21)
- No cap on cashback earned
-
ANNUAL FEE:
£25 -
REPRESENTATIVE APR:
27.3% -
INTRO OFFER:
5% cashback for first 3 months (up to £125)
KEY SCORES:
- 4.5/5 Perks
- 4/5Fees
- 3.5/5APR
Great for: High-end credit card experience
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
This card offers a high-end package in the form of a lucrative rewards programme and travel benefits suited to those who enjoy travel and adventure. However, with the comparatively high price of £140 in the form of an annual fee, you should expect a card with all the trimmings.
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Membership Rewards Point per £1 spent
- 20,000 bonus Membership Rewards Points when you spend £3,000 in first three months (terms apply)
- Airport lounge access (2 complimentary visits / year) through Priority Pass™ programme
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ANNUAL FEE:
£140 (£0 in your first year) -
REPRESENTATIVE APR:
56.6% -
INTRO OFFER:
20,000 bonus Membership Rewards Points (after spending £3,000 in first 3 months, terms apply),
£0 annual fee in your first year
KEY SCORES:
- 3.5/5 Perks
- 3/5Fees
- 3.5/5APR
Great for: Collecting Avios on everyday spend
On American Express's Secure Website
Check EligibilityCompletely free and
will not affect your credit score.
This card is all about the Avios. If you are a new cardmember, then you can earn 5,000 Avios if you spend £1,000 in the first three months. Everyday spending will see you earn 1 Avios for every £1 spent, and there is also a friend referral scheme which offers 4,000 bonus Avios for each friend who is approved (up to 90,000 a year). All of these can then be redeemed as full or part payment against flights, or for flight upgrades. You can also get a Companion Voucher when you spend £20,000 on the card each year. And did I mention there is no annual fee?
Read full review >- Poor/No credit
- Fair/Average
- Good/Excellent
what we like
- 1 Avios per £1 spent
- 5,000 bonus Avios when you spend £1,000 in first three months (subject to eligibility)
- No annual fee
-
ANNUAL FEE:
£0 -
REPRESENTATIVE APR:
22.2% -
INTRO OFFER:
5,000 Avios points if you spend £1,000 in the first three months (subject to eligibility)
KEY SCORES:
- 4/5 Perks
- 3/5Fees
- 2/5APR