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How does American Express AccessLine work? Is it worth it?

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We’ve come across American Express AccessLine which is a payment service for companies who want to pay any supplier with a charge card to help their cash flow. Obviously this only appeals to a small number of HFP readers who are small business owners, but we thought it was worth mentioning regardless.

Corporate card members with an American Express Corporate Green Card, American Express Corporate Gold Card or American Express Corporate Platinum Card can use this payment service for domestic and international payments.

It is basically a corporate version of Billhop, scaled up for the demands of small companies.  Amex pays your suppliers directly into their bank account and then adds the cost – plus a transaction fee, of course – to your card bill.

As well as having up to 55 days to pay the Amex bill, you will earn 1 Membership Rewards point for each eligible £1 spent.  This is clearly of appeal to our readers!

If this is of interest, the website with more information and to sign up is here.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

Comments (98)

  • Mzungu says:

    OT, as this is bits – going to Delhi in a couple of weeks, and I have booked a tour with a local company. Payment is on arrival, and they take Amex. However… they have quoted in INR, but will add 5% to credit card payments in INR. No surcharge for payment in GBP.

    This seems counter-intuitive, as I would normally always opt to pay in local currency. Obviously if I pay in GBP, I will be at the mercy of their forex rate. I guess if this works out to less than 5%, I’m better off accepting that. I don’t know that there is any way to find out what their rate will be.

    Anyone any experience of anything similar? Thoughts/suggestions?

    Thanks in advance for any guidance!

    • Craig Strickland says:

      I’ve used it before but had negotiated that they reduce the tour cost by 5% because I said I was worried about carrying large amounts of cash. I’m in the same position in a few weeks time for the next trip.

    • Bagoly says:

      Dynamic Currency Conversion (where the merchant’s bank “helpfully” converts to your home currency) generally adds about 7%.
      Two hotel bars in Bangkok have tried this on me this week.
      I suspect that in this case it would be even more – they are just using the 5% surcharge to push you to suffer on the exchange rate which is less visible.
      Amex would charge you 1% spread + 3% fee.
      Unless you are chasing a spending target, I suggest you use a Visa or Mastercard with no/low exchange fees – you would be better off buying Avios from BA.