American Express is a global financial institution with over 100 million Cardmembers worldwide, consistently awarded for customer service and premium credit card benefits.
What you need to know about this credit card
- No annual fee, making it a free credit card option in the UK.
- Representative APR of 29.4% variable, standard for rewards credit cards.
- Assumed credit limit of £1,200, subject to credit assessment.
- Minimum income requirement of £15,000 per year and UK residency.
Pros
- Air miles credit card rewards – Earn 1 Avios for every £1 spent on purchases.
- Welcome bonus – Receive 5,000 Avios after spending £2,000 in the first three months.
- Credit card with benefits – Companion Voucher after £15,000 annual spend.
- First time credit card friendly – No annual fee and clear eligibility rules.
- Flexible payments – Use Plan It™ instalments with fixed monthly fees.
Cons
- Higher interest rate – Not ideal if you carry a balance long term.
- Avios-focused rewards – Best suited for British Airways and partner airlines.
Is American Express a good bank?
Compared to the Barclaycard Avios Credit Card, the British Airways American Express Card stands out by offering no annual fee, making it easier to start earning miles.
Against the Virgin Atlantic Reward Credit Card, this option provides broader airline partners and more flexible Avios redemptions.
When compared to the HSBC Rewards Credit Card, American Express requires a lower income and offers faster online decisions.
Unlike the NatWest Reward Credit Card, this card focuses on travel rewards rather than cashback, appealing to frequent travellers.
Compared to the Lloyds Bank Avios Rewards Card, American Express delivers stronger purchase protection and premium customer service.
How to Apply for Your British Airways American Express® Credit Card
If you want to apply for a credit card online, earn air miles and access a credit card with benefits, this option is worth considering. Check eligibility today with no impact on your credit score.