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US citizens in the UK · Institutions

Which American Express UK accounts accept US citizens

Last checked

American Express UK offers a credit card to a US person.

If you already have an account with American Express UK, a second one there is usually the easier application, because American Express UK has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
Credit cards Accepts US citizens 10

Credit cards

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Accepts US citizens
Updated

The most useful card on this page for anyone who has just moved. Amex runs a global card transfer: hold a US consumer Amex as the basic cardmember for at least three months, open and in good standing, and you can apply for a UK card using that account, giving a UK address, a UK phone number and your previous address. Its own wording is conditional, that a UK credit file will be taken into account if you have one, which is what makes it work when you do not. Corporate and network cards are excluded, no balance carries over, and it quotes seven to ten days.

American Express · US card history accepted in place of a UK file

Account Terms The catch
Rewards Credit Card
Representative APR
29.1% APR representative
Card fee
Free
Abroad
2.99%
Rate as of
 Needs a permanent UK address, a UK bank account and income of at least £15,000. No minimum UK address history is published.
Platinum Cashback Everyday
Representative APR
29.1% APR representative
Card fee
Free
Abroad
2.99%
Rate as of
 Same criteria. The welcome bonus is closed to anyone who has held a personal Amex in the past 24 months, which includes a card moved across by global transfer.
British Airways American Express Credit Card
Representative APR
29.1% APR representative
Card fee
Free
Abroad
Not stated on the card page.
Rate as of
 Collects 1 Avios per £1 spent, no annual fee. Needs income of at least £15,000 a year. Not eligible for the welcome bonus if you already hold, or have held in the past 24 months, a personal American Express card, and you cannot already hold the BA Premium Plus card.
Platinum Cashback Credit Card
Representative APR
34.6% APR representative
Card fee
£25 a year
Abroad
Not stated on the card page.
Rate as of
 The 34.6% representative APR reflects the £25 annual fee; the purchase interest rate itself is 29.1%. Branded on-page as the 'Amex Cashback Credit Card', full product name Platinum Cashback Credit Card. Needs income of at least £20,000 a year.
Nectar Credit Card
Representative APR
35.8% APR representative
Card fee
£30 a year (£0 in the first year)
Abroad
Not stated on the card page.
Rate as of
 The 35.8% representative APR reflects the £30 annual fee (waived in year one); the purchase interest rate itself is 29.1%. Needs a Nectar membership number (free to join) and income of at least £20,000 a year.
Vitality American Express Credit Card
Representative APR
42.2% APR representative
Card fee
Free (a separate £5.50 Vitality programme fee applies)
Abroad
Not stated on the card page.
Rate as of
 The 42.2% representative APR is quoted with the £5.50 monthly Vitality programme fee; the purchase interest rate itself is 29.1%, and the card has no annual fee of its own. Requires an eligible Vitality health/life plan (a Vitality product with its own underwriting, not simply opened like a bank account) and income of at least £20,000 a year. Earns 0.5% cashback on spending up to £10,000 in a card membership year and 1% above that, with up to £20 a month more through the Vitality Cashback Booster.
Marriott Bonvoy American Express Card
Representative APR
52.5% APR representative
Card fee
£95 a year
Abroad
Not stated on the card page.
Rate as of
 The 52.5% representative APR reflects the £95 annual fee; the purchase interest rate itself is 29.1%. Needs a Marriott Bonvoy membership number (free to join) and income of at least £20,000 a year.
American Express Preferred Rewards Gold Credit Card
Representative APR
85.8% APR representative
Card fee
£195 a year (£0 in the first year)
Abroad
Not stated on the card page.
Rate as of
 The 85.8% representative APR reflects the £195 annual fee (waived in year one); the purchase interest rate itself is 29.1%. Earns 1 Membership Rewards point per £1 spent. Needs income of at least £20,000 a year.
British Airways American Express Premium Plus Card
Representative APR
135.7% APR representative
Card fee
£300 a year
Abroad
Not stated on the card page.
Rate as of
 The 135.7% representative APR reflects the £300 annual fee; the purchase interest rate itself is 29.1%. Collects 1.5 Avios per £1 spent (3 Avios per £1 with British Airways) and needs income of at least £35,000 a year. Not eligible for the welcome bonus if you already hold, or have held in the past 24 months, a personal British Airways American Express card, and you cannot already hold the standard BA card.
The Platinum Card
Representative APR
685.3% APR representative
Card fee
£650 a year
Abroad
Not stated on the card page.
Rate as of
 The 685.3% representative APR reflects the £650 annual fee; the purchase interest rate itself is 29.1%. Needs income of at least £35,000 a year. A premium travel and lifestyle card with airport lounge access and worldwide travel insurance.

Source: Amex UK moving abroad and global card transfer page, 2026-08-17 American Express UK's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.