This is our review of the Harrods American Express credit card.
The Harrods American Express card is a little-known product which is not freely available, a little like the new Vitality American Express card launched last year.
Historically, the Harrods American Express card was only meant to be available to Gold and Black members of the Harrods Rewards loyalty scheme. I have my doubts about this, as you would often see leaflets on the tills in the store, but that is what the Harrods Rewards website says.
Over the last few days, Harrods has been emailing UK members of Harrods Rewards, irrespective of status, with an invitation to apply. I thought it was worth taking a look at the card in case you received an invite.
The application for the Harrods American Express card is here, although you shouldn’t apply if you haven’t received an email directly and are not a Harrods Rewards member.
What does the Harrods American Express card offer?
The Harrods American Express card comes in a metallic shade of brown (bronze?) as you can see above. I’ve never seen one in the flesh so I don’t know how classy the real thing looks.
Here are the headline features:
It is a charge card, not a credit card – you must clear your balance each month
There is an annual fee of £150
The sign-up bonus is paltry 1,000 Harrods Rewards points, worth just £10 – it appears that you receive this irrespective of other American Express cards you hold
This is what you earn when you spend on the card:
One Harrods Rewards point (1p) per £1 spent
Two Harrods Rewards points (2p) per £1 spent in Harrods – for clarity, this is on top of your usual points
I have no idea why the sign-up bonus is so low. If Harrods and American Express are so keen to extend the cardholder base, I would have expected a substantially more generous bonus – potentially as high as 10,000 points (£100).
Does the Harrods American Express card have any extra benefits?
The only guaranteed benefit is an ‘annual complimentary Discovery Hammam experience’.
This takes place in the Moroccan Spa on the fifth floor. To quote from the Harrods website:
“What is a hammam? The hammam is a traditional bathing ritual that uses heat, steam and stretching massage techniques to cleanse, polish and soften skin.
Involving intense exfoliation with a Kessa glove, the treatments boost mental wellbeing and circulation, as well as providing a host of other benefits. While hammams in Morocco are traditionally public baths, the Moroccan Spa by marocMaroc’s hammam is a semi-private experience where the full-body washing ritual is performed by an expert therapist, in your own marble booth.”
A ‘Discovery Hammam’ experience would usually cost £60, although the Moroccan Spa is currently closed due to coronavirus restrictions.
The other benefits are more nebulous:
“Invitation to By Appointment” (the personal shopping service)
“Early access to, and extra Rewards points during, Sale Previews”
“Invitations to members-only Harrods events”
Are these events any good? We don’t know. It is worth mentioning that, about 5 years ago, I was gifted top-tier Harrods Black status for a couple of years. This usually requires £10,000 of spend in a calendar year. During that period, we were invited to a fair number of exclusive childrens events, often held in-store on a Sunday morning before the shop opened. I was also once invited to a dinner in the wine store hosted by Qatar Airways, which is where I met the Qatar Airways UK country manager and where our good relationship with the airline sprung from.
You also need elite status at Harrods now to book Santa’s Grotto for your children.
However …. it is not clear how credit card holders fit into the pecking order for events. The card was, nominally, only for elite members of Harrods Rewards anyway, so holders would already be receiving these invitations. If you are only a base level member of Harrods Rewards then you may not get offered much.
Have Harrods and American Express missed a trick here?
There would have been a very easy way to make the Harrods American Express card more attractive – make the points you earn from spending count towards status.
Alternatively, cardholders could be automatically upgraded to a higher tier.
The current levels are:
- Green (base tier) – 1 point per £1 spent
- Green (tier 2, £2000 – £4999 of spending) – 1 point per £1 spent
- Gold (£5000 – £9999 of spending) – 2 points per £1 spent
- Black (£10000+ of spending) – 3 points per £1 spent
Having two green tiers is a little odd but that is how it operates. ‘Tier 2’ is the cut-off for receiving a free postal subscription to Harrods Magazine and getting free tea and coffee in the in-store cafes.
I’m not suggesting that Harrods should give you £1 of ‘spend credit’ towards status per £1 spent on the American Express card. This would make it too easy to obtain Black status. They could offer 1 status £1 for every £5 or £10 spent.
It is possible, for example, that having the card is not enough to get you access to the Santa’s Grotto invitation list. This could be fixed by automatically giving you a certain level of status in Harrods Rewards.
Anything else worth knowing?
According to HFP reader reports, the Harrods American Express can be used in place of a standard Harrods Rewards card.
This means that, in theory, you could ask a cashier to swipe your Harrods American Express in order to credit your base points but then pay with a different card.
This feature is not confirmed anywhere on the card website, however.
The Harrods American Express card is a bit of a missed opportunity, I think.
In terms of day to day rewards, there are free American Express cards which can get you an equivalent 1% return on your spending (British Airways American Express, American Express Platinum Everyday Cashback, American Express Rewards Credit Card) . You don’t need to spend £150 in annual fees. The three cards above also have more generous sign-up bonuses.
The additional 1% back at Harrods, giving you a total of 2% cashback, is clearly a decent deal but you would need to be spending large sums in the shop before you came close to covering the annual fee.
Overall, there isn’t much to get excited about with the Harrods American Express card. The biggest benefit is probably having a novel card to show your friends, for a far lower cost than American Express Platinum or Centurion!
Want to earn more points from credit cards? – January 2021 update
If you are looking to apply for a new credit or charge card, here are our January 2021 recommendations based on the current sign-up bonus.
British Airways American Express
5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review
British Airways American Express Premium Plus
25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review
The Platinum Card from American Express
30,000 points and an unbeatable set of travel benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 points bonus and the most generous non-Amex for day to day spending Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these:
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
American Express Business Platinum
40,000 points sign-up bonus and a long list of travel benefits Read our full review
British Airways Accelerating Business American Express
Earn both Avios and BA On Business points with your business spending Read our full review
Capital On Tap Business Rewards Visa
The most generous Avios Visa or Mastercard for a limited company Read our full review
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.