Your chosen card
Your chance of approval
Will you get this card?
Find out if you will get this card. Start >>
Bonus Avios
25,000 bonus Avios when spending £3,000 within the first three months
To apply for this card
Go to the American Express website
Go to site
Representative Example:
If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £195 annual Fee your representative rate will be 76% APR (variable).
The basics
- Representative APR 76%(variable)
- Payment Network American Express
- Balance transfer fee -
Card features
- Great for
- Get a companion voucher every year when you spend at least £10,000 on your card
- Get 25,000 bonus Avios when you spend at least £3,000 on your card in the first 3 months
- Earn 3 Avios for every full £1 you spend with British Airways and 1.5 Avios for virtually every full £1 you spend elsewhere
- But be aware that
- You'll have to pay a £195 annual fee
Is this card right for you?
To take this card you
- Must be aged 18 or over
- Must have a current UK bank or building society account
- Must have a permanent UK home address
- Cannot have a history of bad debt
- You will not be eligible for any Welcome Bonus award if you hold or have held any British Airways American Express Card product in the past six months
Introductory interest rates
| Rate | Duration |
Purchases | - | - |
Cash advances | - | - |
Balance transfers | - | - |
Cheque advances | - | - |
Money transfers | - | - |
Long term interest rates
| Monthly | Annual |
Purchases | 1.74% | 22.9% |
Cash advances | 2.08% | 27.9% |
Balance transfers | - | - |
Cheque advances | - | - |
Money transfers | - | - |
Price for risk | No |
Fees
Annual fee | £195 |
Late payment | £12 |
Over credit limit | £12 |
Foreign exchange EU | 2.99% |
Foreign exchange non-EU | 2.99% |
Return payment | £12 |
Copies of statements | £2 |
| Handling fee | Min fee | Max fee |
Cash advances | 3% | £3 | - |
Cheque advances | - | - | - |
Balance transfers | - | - | - |
Money transfers | - | - | - |
Repayment details
- Interest free period - 56 days
- Your monthly minimum payment will be the greater of:
- The full balance if less than £25
OR
- 2% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
- If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
- The above minimum repayment details may vary between providers, so please review T&Cs; for specific details.
- Allocation of payments:
American Express will apply payments to balances bearing the highest interest rate first and then to balances with lower interest rates in descending order. In applying this principle, American Express will first apply payments to amounts that have appeared on your statements, and then to amounts that have not yet appeared on your statements.
Credit limit
Minimum credit limit | £700 |
Maximum credit limit | - |
Other features
Free purchase protection | Yes |
Internet fraud guarantee | Yes |
Rewards | Avios |
How your promotional rates will change
- The rate on purchases is 22.9%.
About American Express
Founded in 1850, today American Express is one of the world's largest card issuers. Their range of cards offers a choice of rewards to suit your lifestyle. You can earn cashback, bonus points (to redeem at your favourite retailers) and Avios on your everyday spend. Cardmembers can also enjoy benefits such as access to tickets for shows and events across the UK.
Your chance of approval
Will you get this card?
Find out if you will get this card. Start >>
Bonus Avios
25,000 bonus Avios when spending £3,000 within the first three months
To apply for this card
Go to the American Express website
Go to site
Representative Example:
If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £195 annual Fee your representative rate will be 76% APR (variable).
Your personalised chance of approval
We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
It's easy!
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.
- Consider a different card
- Not eligible
- 1/10
- 2/10
- 3/10
- 4/10
- 5/10
- Your chances are good
- 6/10
- 7/10
- 8/10
- 9/10
- 9.5/10
- You've been pre approved
If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.
If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.
Not rated
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.
We work closely with our partners to improve our eligibility scores for all products that are of interest to you.
We're free and independent, as well as offering exclusive deals you can't get anywhere else.