American Express Services Europe Limited

American Express Services Europe Limited is the UK subsidiary of American Express, one of the world's most recognisable financial brands. In the UK it provides credit cards and charge cards to personal and business customers.

American Express offers a range of cards with different features and fee structures. Some cards have an annual fee and come with rewards, travel benefits, or cashback. Others are free and offer more basic features. The charge card range requires the full balance to be paid each month, while credit cards allow the balance to be spread over time.

Amex cards are accepted by a wide range of retailers in the UK and internationally, though acceptance is not as universal as Visa or Mastercard. Some smaller businesses do not accept American Express because the transaction fees charged to merchants are higher.

The Amex Membership Rewards programme allows cardholders to earn points on spending and redeem them for flights, hotel stays, and other rewards. Cards like the Platinum Card come with significant travel benefits including airport lounge access and travel insurance, but also charge a substantial annual fee.

If you hold an American Express card and need to contact them, details are available on their website at americanexpress.com/en-gb. Their registered address is Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX. American Express Services Europe Limited is authorised and regulated by the Financial Conduct Authority.

If you are struggling with repayments on an Amex card, contact their customer service team. Free debt advice is also available from StepChange on 0800 138 1111, National Debtline, or Citizens Advice at no cost to you.