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What are the top 10 reasons to get the American Express Rewards Credit Card?

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Why should you get the American Express Rewards Credit Card?

Today, in our ‘Top 10 Reasons’ series, I want to look at the top 10 reasons to apply for an American Express Rewards Credit Card.

If you want to check your credit record before applying for a new card, click here to get your free Experian Credit Score.

The serious legal stuff about Amex Rewards Credit Card

You can apply here:  American Express Rewards Credit Card application form

What does it cost?  No annual fee

What is the interest rate?   22.2% variable

The top 10 reasons to get an Amex Rewards Credit Card

You can receive 5,000 Membership Rewards points for signing up

The Amex Rewards Credit Card comes with a generous bonus of 5,000 American Express Membership Rewards points.

You qualify for the bonus as long as you haven’t had a personal American Express card in your name (supplementary cards do not count, cards from Lloyds or MBNA do not count) in the previous 24 months.

You need to spend £2,000 in your first three months to receive the bonus points.

Those 5,000 Membership Rewards points convert into Avios at 1:1 – or into MANY other airline or hotel schemes

Membership Rewards are HUGELY flexible because you can convert them into lots of different things.  You aren’t stuck with Avios, Virgin Flying Club miles or whatever.  You can keep them with Amex for as long as you want and only convert them when you need them.

Click here to see what other reward programmes are Membership Rewards transfer partners.

You receive one Membership Rewards point for every £1 you spend on the card

There are a few exceptions (cash withdrawals do not earn points) but in reality virtually every £1 you spend will earn another point.

The Amex Rewards Credit Card is FREE FOR LIFE

This is the only American Express card which earns Membership Rewards points and which is free for life.  Amex Gold, for example, is only free in Year 1.  Amex Green and Amex Platinum charge annual fees immediately.

Your points have more value because you are keeping your options open

If you get an airline or hotel specific credit card, such as the British Airways American Express, your points are stuck in that particular scheme.  With Membership Rewards points, you can keep your options open – Amex looks after your points until you decide where to send them.

With no annual fee ever, you won’t ever be under pressure to move your points in order to cancel your card.

You get Amex’s unique ‘Refund Protection’ guarantee

If you buy something from a UK retailer and the retailer refuses to refund you if you wish to return it, American Express will pay you back up to a maximum of £200.

Your purchases benefit from Amex’s ‘Purchase Protection’ guarantee

If you buy something with your Amex Rewards Credit Card and it is stolen or damaged within 90 days, American Express will replace or repair it, or refund you up to £2,500 per eligible item.

There is no minimum income requirement

American Express does not have a minimum income requirement.  As long as you earn more than you spend, you have a good chance of being successful in your application.

American Express runs regular generous cashback offers

Once your account is up and running, you will receive generous cashback deals from Amex.  These are typically on the lines of ‘Get a £10 statement credit when you spend £50 at Tesco’.

It is relatively easy to save over £100 per year with these offers.

American Express has excellent customer service including a UK call centre and a well-designed app

The core business of American Express is credit cards, and they know how to run them properly.


The American Express Rewards Credit Card has a lot to offer.  It is the only Membership Rewards card which is free for life, and you will potentially get 1% back on your spending if you use your Membership Rewards points wisely.

You can sign up for any of the three versions of the Amex Rewards Credit Card, or find out more information, on the official website here.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

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