Welcome to a rewarding world
Your new Vitality American Express® Credit Card rewards you with cashback on all qualifying purchases1 and gives you the freedom to pay off your balance all at once, or over several months. Below you can learn how to make the most of your Cardmembership.
To activate your Credit Card, simply download the American Express® App here and follow the instructions. If you are an existing Cardmember, once you have downloaded the Amex App, click the ‘Account’ tab and ‘add a Card to your Account’ to activate it, or visit americanexpress.co.uk/activate.
Once activated, you can use your Card immediately online and in-store, including for contactless payments.
During the activation process, you will be asked to set up an Online Account. Once registered, you will have 24/7 access to manage your Account via the Amex App or online. With a single login for any device, it's convenient, secure and will allow you to do all this and more:
- View your statements, current balance and pay your bill
- Set up a Direct Debit
- View, change, or unlock your PIN
- Freeze and unfreeze your Credit Card
- Set up Credit Card alerts to keep up to date
- Manage your marketing preferences
- See your Credit Card benefits, rewards and Amex Offers
- Chat with Us
Online Account Security
We added an additional layer of security to your Online Account to make sure the person logging in is really you.
Here’s what you’ll see when you log into your Online Account:
- Log in with your User ID and password or biometrics
- Enter the verification code we send to you
- Tell us whether we should Remember This Device in the future
- Choosing Remember This Device helps speed up your log in experience without compromising on security. Our systems are working in the background 24/7 to ensure your Online Account is secure.
If you’d rather enter verification codes as part of your log in journey, you can skip the Remember This Device step.
So you can receive verification codes, make sure you have added your mobile number to your Online Account.
Cardmember password
When you Activate your Credit Card, you will be asked you create a customer password, which you may need to quote when calling us to discuss sensitive Account information.
Useful links
Remind yourself of the PIN you selected during the application process via the ‘Account’ tab on the Amex App or by visiting americanexpress.co.uk/PIN. If you didn’t select your own PIN, you can view your autogenerated PIN by clicking here.
Your PIN is used to check it is you making the purchase in-store and online. Sometimes we will ask for part of your PIN when you are checking out online but we'll never ask for your full PIN.
Manage your PIN
You can view, change or unlock your PIN by logging in to your Online Account at any time via the Amex App or online.
When managing your PIN online you will be required to complete security checks such as entering the 4-digit Card Identification number (CID) located just above the Account number on the front of your Credit Card and entering the verification code we send to you via email or SMS.
Please be aware, to complete the PIN change you will need to activate your NEW PIN by using your OLD PIN one last time in your next Chip & PIN transaction. Once your Credit Card is inserted into the payment terminal, and your OLD PIN is entered one last time, we will be able to write your NEW PIN onto the chip of your Credit Card.
Please remember the following information:
- Never share your PIN with anyone. We will never ask for your PIN over the phone or email.
- Don't record your PIN anywhere, memorise it.
- Protect your PIN when entering it at a cash machine or terminal.
To view your latest statement and payment due date, log in to your Online Account via the Amex App or online.
Your payment due date
Your payment due date will be 25 days after your first statement is produced. You won’t see a payment due date on your Online Account until this happens, we will notify you through your chosen communication method when your statement is available.
To ensure your payment due date is set to one convenient for you, you may contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment it will need to be up to date before requesting any change.
With your Credit Card, you have the flexibility to pay for your purchases over several months, or all at once. For further information, click here.
How to pay your bill
There are several ways to efficiently and securely pay your bill online. Simply take your pick from the options below. For more information, visit the Help Centre.
Direct Debit
A Direct Debit automatically makes your payments each month, so you don't have to keep remembering to do it. Set it up via the Amex App or online once you’ve registered for an Online Account. If your current statement has already been produced, you will need to make a manual payment of this as your Direct Debit will only be effective from your next statement date.
Pay With Bank Transfer
Securely pay your American Express bill via a direct transfer from your bank account. It’s simple to use and takes place in just a few quick steps - with no account setup or Card details required. What’s more, with the payment itself being handled entirely by your bank, you benefit from bank-grade security, and none of your payment details being stored by American Express. Pay With Bank Transfer is currently only available in the Amex App.
Debit Card
Enter your Debit Card details to make a Debit Card payment to your Account online or in the Amex App.
Bank Transfer
Use your bank’s internet banking service to initiate a bank transfer. Find the accounting details you’ll need here.
Video: How to pay your monthly bill and set up a Direct Debit using the Amex App
Video: How to pay your monthly bill and set up a Direct Debit using Online Services
Contactless mobile payments with your American Express Card are the secure, convenient and no-touch way to pay.
- High value purchases: With mobile payments, you won’t be restricted by the same £100 in a single transaction* contactless Card payment limit.
- Earn rewards: Continue to earn cashback when you make payments using your American Express Card with a mobile wallet.
- Shop safe: Four layers of security provides you with peace of mind when shopping.
- Convenience with speed: Left your cash and Credit Card at home? Pay with your phone, in seconds with a single touch.
View the options below to load your American Express Card to your mobile device. Once you’re all setup, just look for the Contactless symbol and tap to pay using your mobile device in-store. You can also use your wallet to pay in-app and on the web.
Apple Pay:
Apple Pay lets you make secure and quick payments using your iPhone or Apple watch. Just visit the ‘Wallet’ app on your iPhone to get started.2
Google Pay:
Google Pay allows you to pay on the go in-store or in-app using your Android device. Simply add your Card through the Google Pay app to get started.
Samsung Pay:
Samsung Pay allows you to make everyday purchases in-store or in-app using your Samsung device. Simply add your Card through the Samsung Pay app to get started.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
American Express contactless is the safe and secure way to make everyday purchases up to the value of £100* in a single transaction3. You can make contactless payments on your Card as soon as you’ve activated it, simply look out for the American Express contactless symbol and pay by tapping your Card on the reader.
There may be times when you’ll be asked to enter your PIN to make sure we know your Card is still safely in your hands and no one else’s.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
Using your Credit Card
Your Credit Card is welcomed online and in-store at millions of places globally. Plus, whether your doing your weekly food shop, or treating yourself to something special, you will also earn cashback when you use your Credit Card.
We added over 99,000 new locations in the UK in 2020.* Locations include:
- Online and in-store retailers, including high street brands
- Major supermarkets and corner shops
- Dining, from 5-star dining to a quick coffee on the go
- Petrol top ups to family holidays.
Small shops, big rewards
Your Credit Card is accepted at small businesses across the country. From the dentist on your doorstep to the café round the corner, use your Credit Card to shop small and you’ll be supporting them as well as earning cashback on your spend.
You can find out more about all the places you can use your Credit Card here, or use the map as a guide** to find businesses large and small, wherever you are.
Plus, don’t forget to look out for the American Express logo when shopping.
*Based on American Express merchant locations set up between January 2020 and December 2020.
**Business location and other information provided on the map may contain errors. The operating hours and services provided on the map may vary.
Saving your new Credit Card as your preferred payment Card at your favourite online retailers, is the most convenient and secure way to quickly make purchases online. Don’t miss out on being rewarded for every £1 that you spend on purchases, and check out faster whenever you shop online at places like these:
- BA.com
- Uber
- PayPal
- AirBnB
Use your Credit Card to pay your regular bills from Netflix to Spotify and you’ll automatically earn cashback every time.
Your security when shopping is our top priority. From built-in Card safety features, to fraud protection and 3D® Secure payment technology, we’ve ensured that everything is in place to keep you protected when you use your Credit Card at home and abroad.
So no matter where you are in the world, whether you’re buying online or hitting the high street, you can shop quickly, easily and with total confidence.
Authentication
When you shop online, in-store with contactless and when you access your Online Account you may need to verify yourself. So you can receive verification codes, make sure you have added your mobile number to your Online Account.
Card Identification number (CID)
Your 4-digit Card Identification number is an added security feature to help protect you against fraud. Your 4-digit Card Identification number can be found on the front of your Credit Card, towards the right, and printed flat (unlike the Credit Card number). You may be asked for this number during phone and online transactions.
SafeKey®
As a new Cardmember, we want you to feel confident shopping online with your Credit Card. We use SafeKey4 to perform security checks to make sure it’s really you who’s using your Credit Card online.
Most of the time, SafeKey works in the background when you're checking out online. When we need to perform additional security checks, we will ask you to verify your identity by:
- Entering a unique verification code, which we’ll send to you via SMS or email. Please make sure your contact details are up-to-date.
- If you have enabled American Express App notifications, we may send you a push notification to confirm your purchase and sometimes you may need to log into the App to approve the transaction.
- Occasionally we may need to ask for more than one piece of information, in those cases we will need you to enter part of your Card PIN.
Check out faster with Express List
You can add websites you frequently shop at to your Express List in your Online Account or through SafeKey. This means you don’t have to go through additional security checks every time you shop there, unless we need to make sure it’s you.
Fraud Alerts
If we spot something unusual in your spending patterns, we’ll send you an alert by SMS and/or email instantly. Simply reply with a ‘yes’ or ‘no’ to verify if it was a purchase you authorised. Make sure your contact details are up-to-date.
Your Credit Card gives you the freedom to pay off your balance over several months or all at once. So you have the flexibility you need while continuing to earn cashback on your purchases.
How does a Credit Card work?
A key benefit of a Credit Card is its flexibility, you can purchase things now and pay for them in the future either in one go or in monthly instalments. When you opened your Credit Card Account, you were given a credit limit which is the maximum amount you can spend. You can find out what your credit limit is by checking the letter we sent you with your new Credit Card attached to it or by checking your balance online at americanexpress.co.uk. It’s important to remember that if you don’t pay off your balance in full every month then you will be charged interest until full repayment has been received. You can see your interest rate in your Terms and Conditions.
You can decide how much of your balance to pay off but we would recommend you pay off as much of your balance as possible.
We will require you to make a minimum payment each month. You can see how your minimum due is calculated in the Summary Box, which is in your statement.
For more information on Credit Card fees and charges please click here
Managing your Account
From balance updates to payment reminders, our wide range of alerts can help you keep on top of your Account. You can manage the alerts yourself online, or you can let us know when you register for an Online Account if you want to receive alerts on your mobile or by email. You can even place your Account alerts on hold when travelling, or change the time zone in which they arrive.
If your Credit Card is lost, stolen, damaged or not received you can order a replacement Credit Card for yourself or your additional Cardmembers on your Account quickly and securely using your Online Account. If your Credit Card is lost, stolen or not received we will cancel your Credit Card immediately and send a replacement Credit Card to you. If your Credit Card is in your possession and is damaged you can continue using your Credit Card until your replacement arrives. If you have your Credit Card with you but do not have an Account, you can set up an Online Account in just a few steps. If you do not have an Online Account to report and replace your Credit Card, please contact us immediately.
Order a replacement Credit Card for damaged, lost or stolen Credit Cards
Video: How to order a replacement Credit Card online
An Additional Card5 allows you to add someone else like a partner or a close family member as a Cardholder onto your Account. They will get their own Card sent in the post and once set up - when they spend, you earn the cashback. You can track both of your spending easily through the Amex App. Adding a Card is complimentary as part of your annual membership, and just another way we back you, so you can back those around you.
Earning Cashback
Use your Credit Card for your purchases and you will be rewarded with Cashback with no limit to the amount of American Express cashback you can earn.
As a Cardmember, you can earn cashback on all purchases1 made with your Vitality American Express Credit Card. Cashback will be paid to you by crediting your Credit Card Account. The total amount of cashback received will be what you have earned in the previous 12 months. You will receive your cashback in the 13th month after your Credit Card anniversary date. Your anniversary date is usually the date you opened your Credit Card Account.
Subject to the Terms and Conditions and any promotional offer we make, you will earn American Express Cashback at the rate of:
- 0.5% for the first £10,000 of purchases on your Card Account in the preceding 12 months; and
- 1% on purchases on your Card Account over £10,000 in the preceding 12 months
Except for purchases made at warehouse retailers in the United Kingdom where you will earn American Express Cashback at the rate of 0.5%.
American Express cashback is calculated on the amount of the purchase and then rounded up or down to the nearest full pence. You must have made purchases on your Card Account of at least £3,000 within the Card membership year applicable to your Card Account to be eligible to receive your cashback.
To view your American Express cashback balance, log in to your Online Account here.
In addition to your American Express Cashback1 you can also get Vitality cashback booster. The more active you are, the more cashback you can earn - up to 2% extra based on your monthly activity and how many qualifying Vitality products you have. You can find out if you are eligible to earn the Vitality cashback booster by logging into your Member Zone with Vitality.
The rate at which you earn your Vitality cashback booster is determined monthly and is based on the Eligible Products you hold and your activity points earned and tracked using a Vitality-compatible wearable device. Vitality then take your activity points for that month and convert them to a booster cashback rate which is then applied in
addition to your standard Amex cashback rate, on the first £1,000 of purchases per month.
The rate at which you earn Vitality cashback booster will be between 0% and 2%.
For example: Mr Stanley spent £350 on his Vitality American Express Credit Card during March and his cashback earn rates for that month where 0.5% cashback from American Express plus 0.5% Vitality cashback booster, as he had 110 activity points in January. This means he will have earnt a total of £3.50 for his March spend (£1.75 American Express cashback + £1.75 Vitality cashback booster).
If you hold one eligible Vitality product (Health or Life)
If you hold two eligible Vitality products (Health and Life)
Each month’s Vitality cashback booster earn rate will be determined on your monthly activity points earned two months prior. Because of this, you will not earn Vitality cashback booster until the start of the third calendar month after the benefit that this Card Agreement offers is shown as active in your Vitality Member Zone account.
For example:
Month 1 after benefit activation = No Vitality cashback booster
Month 2 after benefit activation= No Vitality cashback booster
Month 3 after benefit activation = Vitality cashback booster based on month 1 Vitality tracked activity
Month 4 after benefit activation = Vitality cashback booster based on month 2 Vitality tracked activity
If your eligibility for Vitality cashback booster changes during a month (for example, you take out an additional eligible product) then any change in the earn rate will be reflected in the second calendar month after the change. The same principle applies if you move from multiple eligible products to a single eligible product.
No Vitality cashback booster will be earned on purchases which are under £4 when your rate is 0.25%. Vitality Terms and Conditions apply please visit the Member Zone for more information.
- Make more of everyday purchases. Use your Credit Card for your weekly shop, petrol fill ups and other day to day spending and you’ll be surprised how quickly your cashback could add up
- Earn cashback online. Save your Credit Card details as your preferred payment method for your favourite online stores and automatically earn cashback when you shop
- Get cashback on the go with contactless3. Your new Credit Card has built in contactless technology, so now it’s even easier to earn cashback on everyday purchases of up to the value of £100 in a single transaction*.
- Big items count too. Whether it’s a family holiday, a weekly train ticket or the latest tech, using your Credit Card for the bigger things in life can really help build up your cashback
- Tracking your activity. Remember to sync your device to ensure your activity is captured and your latest Vitality cashback booster rate is applied.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
An Additional Card5 allows you to add someone else like a partner or a close family member as a Cardholder onto your Account. They will get their own Card sent in the post and once set up - when they spend, you earn the cashback. You can track both of your spending easily through the Amex App. Adding a Card is complimentary as part of your annual membership, and just another way we back you, so you can back those around you. Please ensure the Supplementary Cardmember is aware that their details will be provided for the Card application.
Amex Offers
With Amex Offers, you can enjoy a delightful range of offers across dining, retail, travel, and more.
Step 1
Log in to your Account, select the 'Offers' tab and save an Offer to your Card.
Step 2
Use your Card when you spend at the business.
Step 3
Get a statement credit to your Account.
Vitality Rewards
American Express Travel
Purchase Protection
You're covered for up to £2,500 towards repair or replacement per eligible item if a purchase made on your Credit Card is accidentally damaged or stolen within 90 days. Maximum cover is £20,000 in a 12 month period. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Fraud Protection Guarantee
Travel Accident Protection
You could receive up to £150,000 for accidental death or accident resulting in complete loss of or permanent loss of use of limb, sight, speech or hearing while travelling on a public vehicle was purchased on your Credit Card. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Get up close with American Express® Experiences
We know our Cardmembers love to go to different events, which is why we are pleased to be able to offer access to presale tickets to some of the hottest acts in town before they go on sale to the public. So whether it's at home, film, music, theatre or dining, American Express gives you access to purchase tickets for incredible events that feed your passion for life.7
Refund Protection
If a UK store refuses to refund any eligible item over £25 within 90 days of purchase on your Credit Card, we'll give you back the full purchase price, up to £200. Maximum cover is £750 in a 12 month period. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
Online Account
From paying your bill to viewing your PIN, an Online Account lets you manage your Account easily and at your convenience, 24/7.
Amex App
Download the Amex App and you can manage your Account whether you’re in the comfort of your home or on the go. Plus, wherever you are in the world, you can access 24/7 support through Chat with Us.
FAQs
24/7 Global Assist®
+44 (0) 20 3126 4113
Our 24/7 Global Assist service means help is always close at hand wherever you are. Should you need medical and legal advice, have any passport, customs or visa issues, even if you lose your Credit Card, we’re just a phone call away ready to help, wherever you are.
Travel Accident Protection
+44 (0) 870 600 0342
Calls cost a maximum of 1p per minute, plus your phone company’s access charge. Monday-Friday 9am-5pm.
Vitality Enquiries
UK: 0345 602 3523
Monday to Friday 8am - 7pm, Saturday 9am - 1pm.
Calls may be recorded/monitored to help improve customer service.
Call charges may vary.
1. You will earn American Express cashback for purchases on your Credit Card Account. The value of each purchase will be rounded up or down to the nearest full pence before cashback is calculated. Subject to the other Terms and Conditions set out below and any promotional offer we make, you will earn American Express cashback at the rate of: 0.5% for the first £10,000 of purchases on your Credit Card Account in the preceding 12 months; and 1% on purchases on your Credit Card Account over £10,000 in the preceding 12 months. You must have made purchases on your Credit Card Account of at least £3,000 within the Credit Card membership year applicable to your Credit Card Account to be eligible to receive your American Express cashback. Cashback will be paid by crediting your Account during each Credit Card anniversary month on the expenditure that has taken place during the preceding 12 months. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.
Vitality cashback booster is available if you hold qualifying Vitality products. You can find out if you are eligible to earn the Vitality cashback booster by logging into your Vitality Member Zone account. Each month’s Vitality cashback booster earn rate will be determined on your monthly activity points earned two months prior. Because of this, you will not earn Vitality cashback booster until the start of the third calendar month after the benefit that this Credit Card agreement offers is shown as active in your Vitality Member Zone account. You can earn Vitality cashback booster on up to a maximum of £1,000 of purchases per month. Vitality cashback booster is calculated on the amount of the purchase and then rounded up or down to the nearest full pence. No Vitality cashback booster will be earned on purchases which are under £4 when your rate is 0.25%. Vitality Terms and Conditions apply.
2. There is no payment limit for Apple Pay transactions at many merchants that accept American Express contactless payments (a payment limit of £100 in a single transaction* may apply at some merchants). Works with iPhone, Apple Watch, iPad and Mac. Requires iOS 8.3 or higher. See a full list of compatible devices and find detailed information on using Apple Pay here.
*Contactless payment limits subject to retailers, effective 15 October 2021. Please check in-store for more details.
3. Contactless payments are possible at retailers with American Express contactless technology. Participating stores only. Please check in-store for details. For purchases of up to the value of £100 in a single transaction at stores accepting
American Express contactless. Some retailers may still only accept up to the previous £45 limit. Effective 15 October 2021, the increased £100 in a single transaction contactless payment limit will be rolled out as quickly as possible acrossretailers. Check in-store for more details. For more information, visit americanexpress.co.uk/contactless
4. For more information and to view Terms and Conditions, please read our SafeKey FAQ’s.
5. The term additional refers to the American Express Supplementary Card programme. Supplementary Cards can be requested for anyone aged 18 or over. If approved, you will be responsible for any spending on your Account made by the Supplementary Cardmember. Please ensure the Supplementary Cardmember is aware that their details will be provided for the application. For full information including information on the Additional Card programme, please visit americanexpress.com/uk/benefits/supplementary-cards/
6. Subject to enrolment. For full details on your protection benefits please visit the Insurance Benefit Centre at americanexpress.co.uk/insuranceportal. Please read the Terms and Conditions to understand the limits and exclusions that may apply.
7. Terms and exclusions apply. Visit the entertainment hub for more information.
The Vitality American Express Credit Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Copyright© 2023. American Express Company. All Rights Reserved.