American Express is a global financial services company that offers credit cards, charge cards, and corporate cards. Founded in 1850, this company has been issuing credit cards in the United States since then. Amex or AmEx is the popular abbreviation for American Express Company, also known as Amex. Offices are located around the world, including New York City, where the company’s headquarters are located. You can find out the details of different American Express credit cards in this post as our experts compare the Representative APR and Annual Fee of American Express credit cards (represented in two charts).
Advantages of American Express Credit Cards
It may be a wise option if you’re interested in establishing a positive credit history and building your credit score. In addition to being a general-purpose card, this is a good option for those who want a card that can be used for travel or cash back.
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Different types of American Express credit cards
You can get American Express credit cards in different types such as the Platinum American Express Card, Basic Card of American Express Card, British Airways American Express Premium Plus Card, American Express Preferred Rewards Gold Credit Card, British Airways American Express Credit Card, Marriott Bonvoy American Express Card, Platinum Cashback Credit Card of American Express and Platinum Cashback Everyday Credit Card of American Express.
1. The Platinum American Express Card
American Express Platinum is an exclusive card for high-income earners. The card offers a high rewards rate, travel benefits, and late checkout options. In addition, cardholders have access to additional benefits such as Global Entry and concierge services.
- Spending Limit: No pre-set spending limit
- No Interest Charges: Just pay off your balance in full each month
- Spend £4,000 in your first three months of Cardmembership: earn 30,000 Membership Rewards
- Annual Fee: £575
- Refined travel — unique access to airport lounges, handpicked hotels and complimentary offers
- Worldwide Travel Insurance for you and your immediate family
- Platinum Concierge can take care of travel and lifestyle plans
2. Basic Card of American Express Card
You can earn rewards using your purchases with a basic American Express card.
- No Interest Charges: Just pay off your balance in full each month
- Spending Limit: No pre-set spending limit
- Annual Fee: No annual fee
Eligibility of Basic Card of American Express Card:
To apply for the Basic Card, you will need to confirm the following.
- aged 18 or over
- current UK bank or building society account
- permanent UK home address
- no history of bad debt
3. British Airways American Express Premium Plus Card
The British Airways American Express Premium Plus Card offers top-of-the-line accommodations and a wealth of benefits. On top of that, it is accepted on all North American, European, Caribbean, Central American, South American and Asian flights. The card is perfect for frequent travelers or those looking to travel abroad. This card is only available to American Express cardholders.
- Spend £3,000 in your first three months of Cardmembership: collect 25,000 bonus Avios
- Annual Fee: £250
- Representative APR: Representative 101.4% APR variable
- Purchase Rate: 24.7% variable for purchases
- Credit Limit: Assumed credit limit of £1,200
- Get a Companion Voucher when you spend £10,0001
- Automatic enrolment to the British Airways Executive Club
- Travel and shopping protection
4. American Express Preferred Rewards Gold Credit Card
Credit cards such as the Preferred Rewards Gold Credit Card offer special benefits and rewards to their customers.
- Spend £3,000 in your first three months of Cardmembership: earn 20,000 Membership Rewards points
- Representative APR: Representative 60.1% APR variable
- Purchase Rate: 24.7% variable for purchases
- Credit Limit: Assumed credit limit of £1,200
- Annual Fee: £140 (£0 in your first year)
- Easily transfer points to frequent flyer3 and hotel programmes
- Complimentary Priority PassTM membership plus two airport lounge passes per year to use globally
- 10% off Hertz base car rental rates
5. British Airways American Express Credit Card
The British Airways American Express credit card is suitable for those who want to travel in style. They offer a variety of perks, including upgrades, no change fees, and personalized travel assistance. A British Airways American Express credit card also offers a range of flexible options for travel, from adventure to leisure and business.
- Spend £1,000 in your first three months of Cardmembership: collect 5,000 bonus Avios
- Representative APR: Representative APR 24.7% APR variable
- Purchase Rate: 24.7% variable for purchases
- Annual Fee: No annual fee
- Credit Limit: Assumed credit limit of £1,200
- Companion Voucher2 when you spend £12,000 per anniversary year
- Automatic Enrolment to the British Airways Executive Club
- Travel and shopping protection
6. Marriott Bonvoy American Express Card
Marriott Bonvoy American Express Cardmembers benefit from a variety of benefits and savings opportunities.
- Spend £3,000 in the first three months of Cardmembership: Earn 40,000 bonus Marriot Bonvoy points (Limited Time Offer until 3 May 2022)
- Representative APR: Representative APR 41.9% APR variable
- Purchase Rate: 24.7% variable for purchases
- Credit Limit: Assumed credit limit of £1,200
- Annual Fee: £75
- Travel and shopping protection
- Automatic upgrade to Gold Elite Status when you spend £15,000 in purchases on your Card each year
- Receive a Free Night Award, for each year you spend £25,000 on the Card
7. Platinum Cashback Credit Card of American Express
A Platinum Cashback Credit Card is one of the best credit cards on the market. In addition to cashback, they offer many other benefits, including free lounge access and airport lounge access.
- Cashback: New Cardmembers get 5% cashback1 up to £125 cashback for your first three months of Cardmembership.
- Representative APR: Representative 30.0% APR variable
- Purchase Rate: 24.7% variable for purchases
- Annual Fee: £25
- Credit Limit: Assumed credit limit of £1,200
- Earn up to 1.25% cashback2 if you spend over £10,001
- Travel and shopping protection
8. Platinum Cashback Everyday Credit Card of American Express
The Platinum Cashback Everyday Credit Card offers its customers a wide range of benefits and rewards.
- Cashback: New Cardmembers get 5% Cashback4 up to £100 for your first three months of Cardmembership.
- Representative APR: Representative 24.7% APR variable
- Purchase Rate: 24.7% variable for purchases
- Annual Fee: £0
- Credit Limit: Assumed credit limit of £1,200
- Get accelerated cashback with no annual fee
- Travel and shopping protection
Compare American Express Cards
In the following charts, you will find a comparison of Representative APR and Annual fees for different American Express credit cards.
Comparing the representative APRs of American Express credit cards
It is important to know the representative APR when comparing credit cards, otherwise, you might end up being deceived. Further, the term “representative” APR represents the interest rate on a specific credit card. Fixed and variable APRs are the two main types. A fixed-rate APR is usually determined based on a yearly percentage rate that remains the same throughout the period of an agreement, while a variable rate varies according to the market.
The table below shows the representative APR for American Express credit cards.
| Credit Cards of American Express | Representative APR Variable |
| British Airways American Express Premium Plus Card | 101.4% |
| American Express Preferred Rewards Gold Credit Card | 60.1% |
| Marriott Bonvoy American Express Card | 41.9% |
| Platinum Cashback Credit Card of American Express | 30% |
| Platinum Cashback Everyday Credit Card of American Express | 24.7% |
| British Airways American Express Credit Card | 24.7% |
We have provided you with the following table, comparing the representative APR variable for American Express credit cards.
Among the American Express credit cards, the British Airways American Express Credit Card had at least a 101.4% representative APR, whereas the Platinum Cashback Everyday Credit Card of American Express had the lowest.
Comparison of annual fees for American Express credit cards
American Express is a popular credit card company that offers different types of cards with varying benefits. Let’s take a look at the annual fees for different American Express credit cards in this chart.
In comparison to other cards, the Platinum American Express Card has the highest annual fee at £575, and the Basic American Express Card annual fee is £250, while the Marriott Bonvoy American Express Card, Platinum Cashback Credit Card of American Express, and Platinum Cashback Everyday Credit Card or American Express do not have annual fees.
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