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When you think of American Express — especially in a historical sense — green is the color that may come to mind. This still holds true for The American Express Card, which is the classic charge card that American Express was built on more than 60 years ago.

Who Is This Card For?

This card is marketed toward anyone wanting to earn valuable Membership Rewards points with an uncomplicated earning structure and a fairly low annual fee.

Welcome Bonus and Annual Fee

This card carries an annual fee of £60, which puts it in the mid-range of American Express UK card fees.

Unfortunately, there is no welcome bonus for this card, which is disappointing considering other American Express cards with lower annual fees still offer welcome bonuses. This may be because it is a 60-year-old iconic card that does not innovate like newer American Express products do.

It’s worth noting that this card is a charge card rather than a credit card, so there’s no limit on what you can spend. But it also means you are required to pay off the full balance each and every month.


Earning Membership Rewards is the main benefit of this card, and the earning structure is really simple. You’ll earn 1 Membership Reward point for each £1 spent on the card.


Membership Rewards are valuable and have loads of different uses. Read our complete guide to using Membership Rewards points in the UK.


In the absence of a welcome bonus, there are a number of attractive perks:

  • Refund protection for eligible items for 90 days up to £200, where the retailer you bought the items from won’t refund.
  • Purchase protection for eligible items stolen or damaged, up to £2,500 per item.
  • Extended warranties on eligible purchased items, up to £1,500 per item.
  • Travel inconvenience and baggage insurance in case of delays or last baggage.
  • Travel accident insurance up to £75,000.

Keep in mind that some of these benefits, such as the insurances, are subject to enrollment.

Which Cards Compete With This Card?

This card relies heavily on its history as being the classic Amex card, which some potential customers might think to apply for that reason alone.

But, in reality, the Gold Rewards Card from American Express UK (which is a credit card not a charge card) is a much better value proposition for the first year. It has a generous welcome bonus, no annual fee in the first year and earns those valuable Membership Rewards points.

Don’t be fooled into thinking the ‘green’ Amex is the best just because it is the most recognisable.

Bottom Line

There’s no doubt that this is an iconic card that has survived for 60 years.

It has some solid perks, but has somewhat been left behind by newer, more innovative American Express products that offer a better overall value proposition for the first year of cardownership.

You can apply for this card here.

Featured image by MangoStar_Studio/Getty Images

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The American Express® Business Platinum Card

The Business Platinum Card from American Express offers 40,000 bonus Membership Rewards® points as well as a slew of other valuable benefits like lounge access, hotel elite status and a digital subscription to The Times and The Sunday Times for Primary and Platinum Supplementary Cardmembers.

Apply Now
More Things to Know
  • Earn 40,000 Membership Rewards points when you spend £6k in your first 3 months of Card Membership
  • Up to 99 free Supplementary Cards - one complimentary Platinum Employee Cards and 98 Complimentary Gold Employee Cards
  • Global Lounge Collection - Access to more than 1,200 airport lounges across 130 countries, including The Centurion® Lounges and membership of Priority Pass™
  • Hotel Status at Hilton, Marriott Bonvoy™, Meliá Hotels International, Radisson Hotel Group, Shangri-La Hotels & Resorts – enjoy benefits such as complimentary upgrades, early check-in and late check-out, enhanced loyalty points, complimentary Wi-Fi and more
  • The Times and The Sunday Times annual digital subscription (£312 value per Card) – available for Primary and all Supplementary Cardmembers
  • Fine Hotels and Resorts – Enjoy a collection of over 1,000 hand-selected iconic 5-star properties worldwide. Receive complimentary benefits worth an average total value of £400 per stay.*
  • £150 statement credit for every booking with onefinestay (unlimited use)
  • Dedicated Account Management Team
Annual Fee
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.