American Express UK - Personal - Choose a Card

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COMPARE SOME CARDS

	Platinum Cashback Credit Card	The British Airways American Express Credit Card	The British Airways American Express Premium Plus Card	The Platinum Card®	The Preferred Rewards Gold Card	The Harrods American Express Card

	You'll have more money to play with Typical 19.9%APR Variable	Spend for adventures Typical 19.9% APR Variable	Trips of a lifetime Typical 46.0% APR Variable	Rewards intrepid travellers	Enjoy travel rewards with choice	Only a select few will have this card By invitation only
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What's great about the card	Earn cashback every time you spend	Earn 1 BA Mile for virtually every £1 you spend.¹	Earn 1.5 BA Miles for virtually¹ every £1 you spend and double (3) BA Miles on BA Flights and BA Holidays.	Your Platinum Card protects you, your partner and your children with one of the most extensive worldwide travel insurance packages available.	Earn double Membership Rewards points on your travel spend¹. Get 1 point for virtually every £1 you spend elsewhere². Redeemable with a huge choice of leading travel partners³.	Enjoy luxury benefits through Harrods that are not available to just anyone.
Some other features	Save up to 5% cashback for your first three months up to a maximum of £100 then standard Cashback rate of up to 1.25%¹ Simply spend a minimum of £3000 a year to earn your annual Cashback reward.	Collect 1,000 bonus BA Miles when you spend £500 in your first 3 months of cardmembership.²	Collect 6,000 bonus BA Miles after your first transaction.²	The Platinum Service - leave the chasing, booking and stressing to us.	As a first year bonus, you’ll earn double Membership Rewards points on your supermarket and petrol spend⁴.	Earn up to 4 points per £1. That’s an additional point from American Express on top of your usual Harrods Reward Points¹. Earn 1 Harrods Reward point for almost every £1 you spend on the Card outside of Harrods - wherever you are in the word.
Standard Interest Rate	Typical 19.9% APR Variable.²	Typical 19.9% APR Variable.³	Typical 46.0% APR Variable.³	N/A	N/A	N/A
Card Fee	No annual fee.	No annual fee.	Annual fee of £150.	Annual fee of £300.	Annual fee of £95.	£150.
Credit Card / Charge Card	Credit Card.	Credit Card.	Credit Card.	Charge Card.	Charge Card.	Charge Card.
Additional Cards	Yes.	Yes.	Yes.	FREE - One Platinum Card and up to 4 Green or Gold Cards for friends and family members.	Extend the benefits of Preferred Rewards Gold Card membership to family and friends with 2 free supplementary Cards, and earn additional Membership Rewards® points on your account.	Yes.
Online Account Access	Yes.	Yes.	Yes.	Yes.	Yes.	Yes.
Online Fraud Guarantee	Yes.³	Yes.⁴	Yes.⁴	Yes.¹	Yes.⁵	Yes.³
Refund Protection Benefit	Yes.⁴	Yes.⁵	Yes.⁵	Yes.²	Yes.⁶	Yes.³
Purchase Protection Benefit	Yes.⁴	Yes.⁵	Yes.⁵	Yes.²	Yes.⁶	Yes.³
24/7/365 Customer Service	Yes.	Yes.	Yes.	Yes.	Yes.	Yes.
24hr Card Replacement	Yes.	Yes.	Yes.	Yes.	Yes.	Yes.
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	No rebate is payable in any month in which the minimum payment is not received by the due date. The minimum amount you need to pay us each month will be 10% of the total amount owing or £50, whichever is more. No rebate is payable on cash withdrawals, interest, fees, balance transfers, amounts subsequently re-credited to your account due to refunds, or expenditure in any one month exceeding the amount of your Credit Limit. No rebate is payable if you end the agreement before the relevant Card Anniversary Date or if, in the 12 months preceding your Card Anniversary Date, the aggregate amount of all transactions (other than cash advances and balance transfers) totals less than £3000. Subject to the above a rebate of 5% will be payable to you by us on all transactions made in the first 3 months up to £100 and applied at the same time as any annual rebate. An annual rebate on the aggregate amount of all transactions (other than the exclusions stated above and any introductory offer) will be payable to you by us and calculated at the following rates, 0.5% for aggregate amounts up to £3,500; and 1% for aggregate amounts from £3,501 to £7,500; and 1.25% for aggregate amounts in excess of £7,501. A dormancy fee of £20 per year will be payable by you if the aggregate amount of all transactions, other than cash advances & balance transfers, that have taken place during the preceding 12 months is £0. American Express may vary the %APR, interest rates and other charges from time to time. We may offer you the opportunity to request Balance Transfer(s) from time to time - we will charge interest on all balances that result from Balance Transfer(s) at the standard rate of 18.9% per annum, 2.08% per month on a daily basis until the amount is fully repaid to us. For example we reserve the right to refuse any Balance Transfer requests including Balance Transfers from overdue accounts, exceeded Credit Limits, overdrafts, loans, HP agreements or any Amex accounts. We are not liable for any overdue payments or interest incurred. Payments to card companies will normally be made within 30 days from receipt of your statements and we will advise you when payment is made. We may charge a handling fee in relation to Balance Transfers. Any such handling fee will be 2% of the Balance Transferred Online Fraud Guarantee: When you use your Card online you will not be held responsible for unauthorised charges. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, including Purchase Protection and Refund Protection. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document. Written details are available on request. Credit available subject to status to UK residents aged 18 years old or over. The Platinum Moneyback Card is offered by American Express Services Europe Limited. Registered Office: Belgrave House 76 Buckingham Palace Road London SW1W 9AX. Registered in England and Wales with Number: 1833139	¹ For the Credit Card, you will be awarded 1 BA Mile for virtually every £1 you spend. BA Miles are not earned on Balance Transfers, Cash Advances, American Express Traveler Cheques purchases, Foreign Exchange and Express cash transactions, interest, any spending in excess of your credit limit, charges for dishonoured cheques, late payment or referral charges and American Express Credit Card finance charges. Written details available on request. ² The bonus BA Miles will be awarded onto your account once you have been approved and you have made your first transaction. Credit Cardmembers will receive 1,000 bonus BA Miles when they spend £500 within the first 3 months of cardmembership. Please note that it can take up to one month for bonus BA Miles to be awarded to your account. ³ American Express may vary the %APR, interest rates and other charges from time to time. Minimum monthly payment 2.5% of the outstanding balance or £5, whichever is greater. A minimum credit limit of £700 will be available. You may pay off your balance in full at any time. The standard interest rate is typical 19.9% APR variable (1.39% per month) for goods and services and 27.9% p.a. (2.08% per month) for cash withdrawals. Written details are available on request. Subject to terms and conditions. Applicants must be 18 years old or over. Approval subject to status. The information relating to the financial benefits and services of the card is the responsibility of American Express Services Europe Limited and British Airways accepts no responsibility for inaccuracies. The British Airways American Express Cards are offered by American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX. Registered in England and Wales with Number: 1833139. ⁴ Online Fraud Guarantee: When you use your Card online you will not be held responsible for unauthorised charges. ⁵ American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, including Purchase Protection and Refund Protection. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document. Written details are available on request. Applicant must be 18 years old or over.	For the Premium Plus Card, you will be awarded 1.5 BA Miles for virtually every £1 you spend and 3 BA Miles for virtually every £1 you spend direct with British Airways and British Airways Holidays. BA Miles are not earned on Balance Transfers, Cash Advances, American Express Traveler Cheques purchases, Foreign Exchange and Express cash transactions, interest, any spending in excess of your credit limit, charges for dishonoured cheques, late payment or referral charges and American Express Credit Card finance charges. Written details available on request. ² The bonus BA Miles will be awarded onto your account once you have been approved and you have made your first transaction. Premium Plus Cardmembers will receive 6,000 bonus BA Miles. Please note that it can take up to one month for bonus BA Miles to be awarded to your account. ³ American Express may vary the %APR, interest rates and other charges from time to time. Minimum monthly payment 2.5% of the outstanding balance or £5, whichever is greater. You may pay off your balance in full at any time. The standard interest rate for goods and services is typical 46.0% APR variable (1.39% per month) based on an average line of credit of £1,500. The standard interest rate for cash withdrawals is 27.9% p.a. (2.08% per month). Charges: a) An annual fee of £150 will be applied b) There is a conversion commission of 2.99% on foreign charges. c) There is a £3 fee for copies of records of transactions and a £5 fee for copies of statements (please note that your statements sent to you each month when you have used your card will not incur this charge). d) There is a cash withdrawal charge which is £3 or 3% of the withdrawal (whichever is the greater). ⁴ Online Fraud Guarantee: When you use your Card online you will not be held responsible for unauthorised charges. ⁵ American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, including Purchase Protection and Refund Protection. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document. Written details are available on request. Applicant must be 18 years old or over. Subject to terms and conditions. Applicants must be 18 years old or over. Approval subject to status. The information relating to the financial benefits and services of the card is the responsibility of American Express Services Europe Limited and British Airways accepts no responsibility for inaccuracies.	¹. Online Fraud Guarantee: When you use your Card online you will not be held responsible for unauthorised charges. ².American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you, but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, for example travel insurance benefit. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply. For further details please call American Express Insurance Services on 0870 6000 342. Written details are available on request. Applicant must be 18 years old or over.The Platinum Card from American Express offered by American Express Services Europe Limited. Registered Office: Belgrave House 76 Buckingham Palace Road London SW1W 9AX. Registered in England and Wales with Number: 1833139	1. Terms and Conditions of Membership Rewards® apply. Points are not earned on Express Cash, American Express Travellers Cheques, Foreign Exchange, Cash Advances and other Account Charges Including Membership Rewards fees and annual Card fees. Please read full programme Terms and Conditions here 2. You will accrue Membership Rewards Points for transactions (other than cash advances) charged and billed to your account at the following rates: 1 point for virtually every full pound charged per transaction. You will also accrue Points in addition to this for certain transaction at the rate of 2 Points for virtually every full pound charged per transactions at major airline, car hire, rail, cruise, lodging and travel package / agencies. You will also accrue Points in addition to this for certain transactions made in a currency other than UK Sterling for every full pound charged. 3. Partners’ Terms and Conditions will apply. 4. You will accrue Points in addition to this for certain transactions at the rate of 1 Point for virtually every full pound charged per transaction at major supermarkets and petrol stations for your first year of cardmembership. 5. Online Fraud Guarantee: When you use your Card online you will not be held responsible for unauthorised charges. 6. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, for example travel insurance benefits. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply. American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139.	1. Points are not earned on Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange, Express Cash transactions and other Account charges. 2. When you use your Card online you will not be held responsible for unauthorised credit card charges. 3. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you, but AESEL will aim to inform you 30 days in advance of any changes to the available benefits that may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, for example travel insurance benefits. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document that will be provided with your Card. Please read this document to understand the limits and exclusions that may apply. For further details, please call American Express Insurance Services on 0870 6000 342 or + 44 (0) 1273 668 326 outside of the UK.