Discover These American Express UK Cards with the Best Benefits

American Express UK has gotten into the game of stairs when it comes to credit cards. They’ve got a wide selection of options that offer something for low-rung income earners to the highest rung. The card you get will highly depend on your spending patterns, credit record, payment history, and lifestyle.

The truth of the matter is that there is stiff competition out there, which is why the American Express had to up their game to make sure they offer the best perks in the UK market. That is why we took it upon ourselves to research and find out some of the American Express UK Cards that come with the most amazing perks.


If this is what you have been looking for, then your prayers have been answered. If you are looking for benefits such as sign-up bonuses, cash-back, and other incentives, you have come to the right place. Let’s discover the best cards in this category and find out which one best works for you.

Amex Gold Card

There is an ongoing promotion that makes this card free for all users within their first year. This will, of course, save you up to £140, though you can do like many  people do and cancel the card before the 12-month period finishes.


You will get a good sign up bonus of up to 10,000 points after spending £ 3,000 in your first three months of account opening. If you love traveling, this card is for you as you will get two free lounge passes and a travel accident cover, all for you.

British Airways Branded Cards

Everyone will attest to the fact that the entry-level for this card is the best and most publicized when it comes to collecting BA Avios points without forgetting the cons. You will get sign up bonuses, but you should watch out for interest.

American Express Business Credit Cards

In this category, there are two UK business cards offered by  American Express, and one is the Gold and the business card. Both have a fantastic sign-up bonus of up to 22,000 points after spending up to £3,000 within the first three months of account opening.


You will also not have to pay an annual fee in your first year, which makes it the best card for start-ups and small businesses. If you go for the platinum credit card, you will enjoy an even larger sign-up bonus of up to 40,000 points. 

You will, however, have to part with a spending threshold up to £6,000 within your first three months. This also means you stand a chance of enjoying all the benefits, just like the ones using the personal Platinum card.

Nectar American Express Credit Card

This Nectar Credit Card is one card that will provide value for your money. It has an annual fee of £25; however, you can offset this amount by the 20,000 Nectar points you will receive as a sign-up bonus after spending up to £140 within your first three months.

You can also go for the cashback credit card, which gives you more flexibility over how much money you can spend.

The Bottom Line

This is a drop in the ocean as there are many American Express UK Cards offering amazing and competitive perks out there. We have given a brief overview of each card, and we encourage you to do your due diligence before you apply to avoid last-minute frustrations.

Write down what is essential for you in a card and then match your essentials to the card instead of trying to fit your essentials to what the card offers. Your financial health is your responsibility.

Disclaimer: All credit products carry risk. Be aware of these risks by reading the associated terms and conditions.