Express Rewards Credit Card
From American Express
Summary
Express Rewards Credit Card is provided by American Express.
The representative APR is 17.9%APR variable.
New customers will receive an introductory purchase rate of 0 for 6 months.
This makes Express Rewards Credit Card a good option if you're going to be using the card to make either a one off big purchase, or want to use the card regularly in the shops, but don't need to transfer an existing credit card balance.
The representative APR is 17.9%APR variable.
New customers will receive an introductory purchase rate of 0 for 6 months.
This makes Express Rewards Credit Card a good option if you're going to be using the card to make either a one off big purchase, or want to use the card regularly in the shops, but don't need to transfer an existing credit card balance.
How long will it take to repay with the Express Rewards Credit Card
Balance transfer
Purchases
Fixed payment
By switching to the Express Rewards Credit Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take to repay, costing you a total of £0 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Customer reviews (1)
"Handled extremely well"
Overall I have been pretty pleased with the way that AMEX has handled my account there was a time a few months ago when I was unexpectedly out of work, and was having trouble making payments, I called them and they actually moved back my payment due date a few weeks, and took care of my late charges for a month. Not something you usually find companies are wiling to do. Possibly since I have had the card for awhile and never missed a payment. Either way not bad to deal with at all.
Rates & Charges
Introductory rates
Balance transfers
Not available
Balance transfer fee
Not available
Purchases
0% for 6 months 31 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
3% or £3 minimum
Balance transfer limit
Unknown
Cash advance rate
27.9%
Fees and Charges
Annual fee
£0
Cash advances
3% or £3 minimum 102 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
18
Minimum income
£30,000.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
56 days
Interest-free period on cash advances
None
Time to make payment after statement date
25 days
Minimum payment
10% of balance or £50
Payment by direct debit
Available
Rewards
Rewards Point Descriptions
18,000 Bonus points when you spend &opund;500 on the Card in the first 3 months. Earn: 3 points for every £1 you spend at major supermarkets, up to £500 per month 2 points for every £1 you spend at major department stores 1 point for every £1 you spend everywhere else. If eligible items you buy are damaged or stolen inside 90 days, they'll be replaced or the cost refunded up to £2,500. Refund Protection Benefit - refunds on eligible items within 90 days of purchase up to £200. No annual fee. Terms & conditions apply.
Better deals on balance transfers
Better deals on purchases
