{"id":4191,"date":"2025-05-14T07:16:33","date_gmt":"2025-05-14T07:16:33","guid":{"rendered":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/?p=4191"},"modified":"2025-06-09T05:48:40","modified_gmt":"2025-06-09T05:48:40","slug":"is-american-express-a-good-credit-card","status":"publish","type":"post","link":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/","title":{"rendered":"Is American Express a Good Credit Card? The Verdict"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Introduction_What_Makes_a_Credit_Card_%E2%80%9CGood%E2%80%9D\" title=\"Introduction: What Makes a Credit Card &#8220;Good&#8221;?\">Introduction: What Makes a Credit Card &#8220;Good&#8221;?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#What_Is_American_Express_and_Why_Is_It_So_Popular\" title=\"What Is American Express and Why Is It So Popular?\">What Is American Express and Why Is It So Popular?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Key_Features_of_American_Express_Cards\" title=\"Key Features of American Express Cards\">Key Features of American Express Cards<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Is_American_Express_Known_for_High_Fees_in_the_UK\" title=\"Is American Express Known for High Fees in the UK?\">Is American Express Known for High Fees in the UK?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Fees_to_Consider\" title=\"Fees to Consider:\">Fees to Consider:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Is_the_Fee_Worth_the_Benefit\" title=\"Is the Fee Worth the Benefit?\">Is the Fee Worth the Benefit?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#What_Are_the_Benefits_of_Using_an_American_Express_Credit_Card\" title=\"What Are the Benefits of Using an American Express Credit Card?\">What Are the Benefits of Using an American Express Credit Card?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#1_Membership_Rewards_Program_Is_It_Worth_It\" title=\"1. Membership Rewards Program: Is It Worth It?\">1. Membership Rewards Program: Is It Worth It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#2_Travel_Benefits_Do_They_Justify_the_Cost\" title=\"2. Travel Benefits: Do They Justify the Cost?\">2. Travel Benefits: Do They Justify the Cost?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#How_Does_American_Express_Compare_with_Other_UK_Credit_Cards\" title=\"How Does American Express Compare with Other UK Credit Cards?\">How Does American Express Compare with Other UK Credit Cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Is_American_Express_a_Good_Credit_Card_for_Business_Owners\" title=\"Is American Express a Good Credit Card for Business Owners?\">Is American Express a Good Credit Card for Business Owners?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#What_Are_the_Drawbacks_of_Using_an_American_Express_Card_in_the_UK\" title=\"What Are the Drawbacks of Using an American Express Card in the UK?\">What Are the Drawbacks of Using an American Express Card in the UK?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#1_Limited_Acceptance\" title=\"1. Limited Acceptance\">1. Limited Acceptance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#2_High_Fees_and_Interest_Rates\" title=\"2. High Fees and Interest Rates\">2. High Fees and Interest Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#3_Fewer_Low-Cost_Options\" title=\"3. Fewer Low-Cost Options\">3. Fewer Low-Cost Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#Conclusion_Is_American_Express_a_Good_Credit_Card\" title=\"Conclusion: Is American Express a Good Credit Card?\">Conclusion: Is American Express a Good Credit Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/is-american-express-a-good-credit-card\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction_What_Makes_a_Credit_Card_%E2%80%9CGood%E2%80%9D\"><\/span>Introduction: What Makes a Credit Card &#8220;Good&#8221;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4305 aligncenter\" src=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Credit-Card.jpg\" alt=\"Credit Card\" width=\"670\" height=\"455\" srcset=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Credit-Card.jpg 670w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Credit-Card-300x204.jpg 300w\" sizes=\"auto, (max-width: 670px) 100vw, 670px\" \/><\/p>\n<p>When it comes to choosing the right credit card, there\u2019s no shortage of options in the market. But if you\u2019re in the UK, where credit cards come with specific benefits and offers, it\u2019s essential to ask the right questions before making your decision. One of the most frequently asked questions is: <em>Is American Express a good credit card?<\/em><\/p>\n<p>In this blog post, we\u2019ll delve into the key features of American Express cards, assess their benefits, weigh the pros and cons, and explore whether they are a good fit for consumers in the United Kingdom.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_American_Express_and_Why_Is_It_So_Popular\"><\/span>What Is American Express and Why Is It So Popular?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>American Express, often abbreviated as Amex, is a global financial services company best known for its credit cards, charge cards, and travel-related services. Unlike other major credit card companies like Visa and MasterCard, American Express operates on a slightly different business model. But why is American Express such a sought-after brand?<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_Features_of_American_Express_Cards\"><\/span>Key Features of American Express Cards<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Global Reach: <\/strong> Recognized and usable at countless destinations across the globe.<\/li>\n<li><strong>Customer Service Excellence:<\/strong> 24\/7 customer support is renowned for its quality.<\/li>\n<li><strong>Membership Rewards: <\/strong> American Express provides one of the most rewarding loyalty programs available in the credit card market.<\/li>\n<li><strong>Premium Travel Benefits:<\/strong> Access to exclusive lounges, travel insurance, and concierge services.<\/li>\n<\/ul>\n<p>But the real question is: Does the American Express brand deliver enough value to justify the costs? Let\u2019s dive deeper to find out.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_American_Express_Known_for_High_Fees_in_the_UK\"><\/span>Is American Express Known for High Fees in the UK?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the most significant considerations when evaluating a credit card is its associated costs, particularly annual fees and interest rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fees_to_Consider\"><\/span>Fees to Consider:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Annual Fees<\/strong>: Some American Express cards, such as the Platinum Card, come with high annual fees (around \u00a3575). However, these cards often offer premium services like airport lounge access and travel insurance, which may justify the cost for frequent travellers.<\/li>\n<li><strong>Interest Rates<\/strong>: For consumers who carry a balance, American Express typically charges interest rates that are higher than those of other credit cards in the UK. The APR for purchases can range from 22% to 30%, depending on the card.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_Fee_Worth_the_Benefit\"><\/span>Is the Fee Worth the Benefit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For frequent travellers and those who make large monthly purchases, the rewards and benefits could outweigh the high fees. However, for those who prefer to carry a balance, the high APR might be a deterrent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Benefits_of_Using_an_American_Express_Credit_Card\"><\/span>What Are the Benefits of Using an American Express Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let\u2019s take a closer look at the main benefits that set American Express apart from other credit cards available in the UK.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Membership_Rewards_Program_Is_It_Worth_It\"><\/span>1. Membership Rewards Program: Is It Worth It?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4194 aligncenter\" src=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Membership-Rewards-Program.jpg\" alt=\"Membership Rewards Program\" width=\"1066\" height=\"594\" srcset=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Membership-Rewards-Program.jpg 1066w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Membership-Rewards-Program-300x167.jpg 300w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Membership-Rewards-Program-1024x571.jpg 1024w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Membership-Rewards-Program-768x428.jpg 768w\" sizes=\"auto, (max-width: 1066px) 100vw, 1066px\" \/><\/p>\n<p>American Express has one of the most rewarding loyalty programs in the industry, allowing you to earn points for every purchase. These points can be redeemed for travel, shopping, or even cashback.<\/p>\n<ul>\n<li><strong>Earn Points Quickly:<\/strong> For every \u00a31 spent, you can earn Membership Rewards points (on certain cards, the points are earned at an even faster rate).<\/li>\n<li><strong>Flexible Redemption Options:<\/strong> Redeem points for flights, hotel stays, Amazon gift cards, and more.<\/li>\n<li><strong>Exclusive Offers:<\/strong> Get access to special discounts, event invites, and promotions from major brands.<\/li>\n<\/ul>\n<p><strong>The Verdict:<\/strong> If you make frequent purchases or travel often, the Membership Rewards program could be a great reason to consider American Express.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Travel_Benefits_Do_They_Justify_the_Cost\"><\/span>2. Travel Benefits: Do They Justify the Cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you\u2019re a frequent traveller, the travel-related benefits of American Express cards are difficult to ignore.<\/p>\n<ul>\n<li><strong>Airport Lounge Access:<\/strong> American Express Platinum cardholders enjoy exclusive access to a vast network of airport lounges across the globe.<\/li>\n<li><strong>Travel Insurance:<\/strong> Cards like the American Express Gold and Platinum offer robust travel insurance, covering everything from flight delays to lost luggage.<\/li>\n<li><strong>Concierge Service:<\/strong> The Platinum Card also provides a concierge service to assist with travel bookings, dinner reservations, and event access.<\/li>\n<\/ul>\n<p><strong>The Verdict:<\/strong> For business travellers and luxury vacationers, these perks can make the high annual fee worthwhile.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_American_Express_Compare_with_Other_UK_Credit_Cards\"><\/span>How Does American Express Compare with Other UK Credit Cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let\u2019s break down American Express\u2019s performance against other popular UK credit cards.<\/p>\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>American Express<\/th>\n<th>Visa\/MasterCard<\/th>\n<th>Santander 123 Card<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Annual Fee<\/td>\n<td>\u00a30 to \u00a3575<\/td>\n<td>\u00a30 to \u00a325<\/td>\n<td>\u00a30<\/td>\n<\/tr>\n<tr>\n<td>Interest Rate (APR)<\/td>\n<td>22% to 30%<\/td>\n<td>18% to 25%<\/td>\n<td>19.9%<\/td>\n<\/tr>\n<tr>\n<td>Reward Points<\/td>\n<td>Yes, Membership Rewards<\/td>\n<td>Limited or No Reward<\/td>\n<td>No<\/td>\n<\/tr>\n<tr>\n<td>Travel Benefits<\/td>\n<td>Premium (Lounge, Insurance)<\/td>\n<td>Standard<\/td>\n<td>Limited<\/td>\n<\/tr>\n<tr>\n<td>Customer Service<\/td>\n<td>24\/7, Excellent<\/td>\n<td>Varies by provider<\/td>\n<td>Standard<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>The Verdict:<\/strong> While American Express offers more significant rewards and travel perks, it comes with higher fees and interest rates. Other credit cards might be more cost-effective if you don\u2019t use travel perks or need to carry a balance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_American_Express_a_Good_Credit_Card_for_Business_Owners\"><\/span>Is American Express a Good Credit Card for Business Owners?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re a business owner, especially in the UK, American Express could be a viable option for your business credit card needs.<\/p>\n<ul>\n<li><strong>Expense Management:<\/strong> American Express provides detailed reports, which are helpful for businesses that need to track expenses and manage their accounts.<\/li>\n<li><strong>Employee Cards:<\/strong> Business owners can issue additional cards to employees, allowing them to manage purchases more easily.<\/li>\n<li><strong>Exclusive Business Perks:<\/strong> American Express offers business-specific rewards, helping business owners earn points on office supplies, travel, and more.<\/li>\n<\/ul>\n<p><strong>The Verdict:<\/strong> American Express cards offer great benefits for small business owners in the UK, but the high annual fees might not be justifiable for every company.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Drawbacks_of_Using_an_American_Express_Card_in_the_UK\"><\/span>What Are the Drawbacks of Using an American Express Card in the UK?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4192 aligncenter\" src=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Drawbacks-of-Using-an-American-Express-Card.jpg\" alt=\"Drawbacks of Using an American Express Card\" width=\"1056\" height=\"623\" srcset=\"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Drawbacks-of-Using-an-American-Express-Card.jpg 1056w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Drawbacks-of-Using-an-American-Express-Card-300x177.jpg 300w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Drawbacks-of-Using-an-American-Express-Card-1024x604.jpg 1024w, https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-content\/uploads\/2025\/05\/Drawbacks-of-Using-an-American-Express-Card-768x453.jpg 768w\" sizes=\"auto, (max-width: 1056px) 100vw, 1056px\" \/><\/p>\n<p>While American Express is an attractive option for many, it does have its drawbacks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Limited_Acceptance\"><\/span>1. Limited Acceptance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Not all UK retailers and businesses accept American Express. While it is accepted at most major outlets and online stores, smaller merchants might not.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_High_Fees_and_Interest_Rates\"><\/span>2. High Fees and Interest Rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As mentioned earlier, some of the premium American Express cards come with hefty annual fees. If you\u2019re unable to pay off your balance in full each month, you could end up with high interest charges.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Fewer_Low-Cost_Options\"><\/span>3. Fewer Low-Cost Options<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you\u2019re looking for a simple credit card with no annual fee and a low interest rate, American Express may not be the best choice. Other cards in the UK offer more straightforward, low-cost options.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Conclusion_Is_American_Express_a_Good_Credit_Card\"><\/span>Conclusion: Is American Express a Good Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>So, is American Express a good credit card? The solution varies based on your personal requirements, financial behavior, and lifestyle choices.<\/p>\n<ul>\n<li><strong>For frequent travellers:<\/strong> Yes, American Express offers top-tier travel benefits, including airport lounge access and comprehensive insurance.<\/li>\n<li><strong>For business owners:<\/strong> Yes, American Express has excellent business perks, including expense tracking and business rewards.<\/li>\n<li><strong>For everyday users with lower fees:<\/strong> It may not be the best fit if you\u2019re looking for low-cost options or if you tend to carry a balance.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Does Amex offer cards with no annual fee?<\/strong><br \/>\nYes, the American Express Everyday Credit Card comes with no annual fee and offers a rewards program, though the benefits are more limited compared to premium cards.<\/p>\n<p><strong>Is American Express better than Visa and Mastercard?<\/strong><br \/>\nAmerican Express provides greater perks and rewards, though it typically carries higher fees and interest charges.<br \/>\nVisa and Mastercard are more widely accepted and may have lower fees, making them a good choice for some users.<\/p>\n<p><strong>Is it possible to use an American Express card for routine daily spending?<\/strong><br \/>\nYes, American Express can be used for a wide variety of everyday purchases, but be mindful of whether the merchant accepts it. Larger retailers are likely to accept it, but smaller shops may not.<\/p>\n<p><strong>Can I earn cashback with an American Express card?<\/strong><br \/>\nSome American Express cards, like the American Express Cashback Card, offer cashback on your purchases, making it a good option if you\u2019re looking to earn back some of your spending.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction: What Makes a Credit Card &#8220;Good&#8221;? When it comes to choosing the right credit card, there\u2019s no shortage of options in the market. But if you\u2019re in the UK, where credit cards come with specific benefits and offers, it\u2019s essential to ask the right questions before making your decision. One of the most frequently&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4193,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[1],"tags":[571,572,569,568,570],"class_list":["post-4191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news","tag-benefits","tag-credit-card-comparison","tag-credit-card-review","tag-merican-express","tag-rewards"],"modified_by":"sanmathi","_links":{"self":[{"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/posts\/4191","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/comments?post=4191"}],"version-history":[{"count":3,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/posts\/4191\/revisions"}],"predecessor-version":[{"id":4304,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/posts\/4191\/revisions\/4304"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/media\/4193"}],"wp:attachment":[{"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/media?parent=4191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/categories?post=4191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smallbusinessblog.co.uk\/business-news\/wp-json\/wp\/v2\/tags?post=4191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}