American Express Rewards® Credit Card

About the American Express Rewards® Credit Card

The American Express Rewards® Credit Card is a no-annual-fee rewards card for people who want to earn Membership Rewards® points on eligible everyday spending. It is best suited to cardholders who usually pay their balance in full, because rewards can be outweighed by interest if a balance is carried.

Key costs and eligibility

• Annual cardmembership fee: £0.
• Representative APR: 22.9% APR variable, based on the official Amex summary box checked at review time.
• Purchase rate: 22.9% p.a. variable.
• Balance or money transfer fee: 3% of the amount transferred, where this service is available.
• Non-sterling transaction fee: 2.99% after currency conversion.
• Cash advance fee: 3% or £3 minimum.
• Acceptance, credit limit, promotions and card benefits are subject to Amex eligibility, terms and exclusions.

Best for

This card is best for users who want simple rewards, no annual card fee, and broad redemption options through the Membership Rewards programme.

Not for

It is not ideal if you expect to carry a balance, want enhanced travel earn rates, or need a card with near-universal acceptance at every merchant.

Issuer promotions, welcome offers, referral offers and protection benefits can change. Check the current Amex terms before applying.

Looking to turn everyday spending into something more rewarding? Tap the button below to learn how to apply.

About American Express

American Express is a long-established financial services company known for charge cards, credit cards, payment services and rewards programmes. In the UK, its consumer cards often combine account-management tools, purchase protections and reward redemption options, subject to the terms of each card.

Why choose the American Express Rewards® Credit Card?

The card's strongest appeal is simplicity: eligible spending can earn Membership Rewards points without an annual card fee. That makes it easier to judge whether the card fits your routine spending.

The main caution is cost. If you do not pay in full, interest can reduce or remove the value of rewards. If you spend abroad, make cash-like transactions, or use transfer features, fees may apply. Use the issuer's current summary box and terms as the final source before applying.