Collect rewards on your purchases and save with a card that adds up!

American Express is globally recognised for its exclusive credit cards, generous rewards programmes, and exceptional customer service.

With decades of global experience, Amex has built strategic partnerships with major brands to offer financial products that go beyond the basics.

These collaborations result in co-branded cards that combine the prestige of American Express with specific advantages from partners such as retail chains, airlines, and loyalty programmes.

Looking for a practical option that makes everyday life easier and turns spending into real rewards? Find out all about the American Express® Nectar Credit Card now!

Discover the American Express® Nectar Credit Card: Save on purchases and earn rewards every day.

The Nectar credit card is issued by American Express, one of the world’s most respected financial institutions. It blends tradition with modern benefits.

Offered in the UK, the card generally approves initial limits starting at £700, which can increase depending on your usage and relationship with American Express.

The credibility of the American Express Nectar Card stems from Amex’s reputation, which includes security, award-winning support, and one of the best reward schemes on the market.

What attracts so many people? Points on every purchase, welcome bonus, free first-year annual fee, and benefits that truly make a difference.

Main benefits of the American Express® Nectar Credit Card

The Nectar credit card is a practical and advantageous option for those who want to earn real rewards from everyday purchases with ease.

Issued by American Express, the card offers exclusive benefits, point accumulation, welcome bonuses, and programmes that turn your spending into direct returns.

Welcome Bonus: 20,000 Nectar Points

The American Express Nectar Credit Card offers a 20,000-point bonus if you spend at least £2,000 in the first three months after approval.

These points can be used for purchases through the Nectar programme, redeemed for discounts, or converted into Avios miles for travel.

It’s a practical way to start using the card with a real benefit, without needing to make a large volume of extra purchases.

Earn Points on Every Purchase

With the card, you earn two Nectar points for every pound spent in any shop, online or in person, that accepts American Express.

If purchases are made at Nectar partners like Sainsbury’s, Argos, or Esso, you can automatically earn three points per pound.

This way, even on everyday spending, your points add up and can later be used for discounts or redeemable products.

No Annual Fee in the 1st Year

The card charges no annual fee in the first Year, allowing you to test all its features at no initial cost.

After the first Year, a £30 annual fee applies, but the benefits can easily outweigh this amount with regular use.

This benefit is ideal for those wanting to start commitment-free and see whether the card suits their lifestyle.

Exclusive Amex Benefits

With the Nectar Card, your purchases are protected in the event of defective items, non-delivery, or rejected refunds from sellers.

You also get personalised American Express offers from various partners, including restaurants, fashion, tech, and services.

Additionally, customer support is available 24/7, even when you’re abroad.

Convert Points into Travel (Avios)

If you wish, you can convert your Nectar points into Avios, the British Airways’ miles programme, which includes other partner airlines.

Every 400 Nectar points can be exchanged for 250 Avios, which can be used for flights, upgrades, hotels, or travel packages.

The American Express Nectar Card becomes even more attractive for frequent travellers looking to save on flights.

Referral Rewards Programme

You can invite friends to apply for the card using your referral link and earn 5,000 points for each approved referral.

Your friends also receive a bonus upon approval, creating a win-win situation in the referral programme.

You can collect up to 90,000 points per Year just by referring people you know, speeding up your rewards even more.

Flexible Instalment Plan

With this feature, you can split purchases over £100 into fixed monthly amounts, with a clearly defined rate at the time of purchase.

This avoids revolving credit, helping you manage your finances more predictably throughout the months.

The American Express Nectar Card offers this functionality as a safer alternative for larger planned payments.

Eligibility Requirements to Apply for the American Express® Nectar Credit Card

To apply for the Nectar credit card, you must be at least 18 years old, live in the UK, and have a UK bank account.

You must also have a permanent UK residential address and provide accurate information on the application form.

The American Express Nectar Card requires a positive credit history, with no recent defaults or negative marks on your credit report.

You cannot hold another active American Express Nectar card at the same time to be eligible for the welcome bonus.

Step-by-Step Guide to Apply for the American Express® Nectar Credit Card

Applying for your American Express Nectar Card is simple, fast, and entirely online, taking just minutes to complete via the Amex website.

1. Visit the official American Express website: Go to the Nectar Card page on the American Express UK site and click “Apply Now” to start your application.
2. Fill in the form with your details: Enter your full name, UK address, phone number, email, annual income, and banking information clearly and truthfully.
3. Wait for the automatic credit check: Amex will perform a real-time credit check. You usually receive a decision within minutes.
4. Receive and activate your card: If approved, your card will be sent to the address you have registered. Simply activate it online or via the app to begin using it.

These steps ensure a smooth application process, allowing you to enjoy all the benefits of the American Express Nectar.

Applicable Fees for the American Express® Nectar Credit Card

The Nectar credit card offers real benefits, but like any card, it has fees that should be understood for responsible and advantageous use.

Understanding how each fee works helps you avoid unnecessary charges and maximize the benefits of everything the card offers.

Annual Fee

The American Express Nectar Card has no annual fee in the first Year, meaning you can use it and collect points for free.

From the second Year, a £30 annual fee applies, charged automatically on your statement. It’s a fixed amount, not based on usage.

For example, if you spend £500 per month, you may collect enough points to easily offset that fee early in Year two.

This structure is ideal for trying the card without commitment and making a decision based on your actual usage.

Annual Percentage Rate (APR)

The APR on the Nectar Card is approximately 30% per Year for purchases. It only applies if you don’t pay your full statement.

For example, if you spend £1,000 and pay only £500, Amex charges interest on the remaining £500, which increases your debt significantly.

By paying your full balance by the due date, you avoid interest and enjoy up to 56 days of interest-free credit.

Remember: borrowing money—even via credit—has a cost. Revolving interest can add up quickly and impact your budget.

Foreign Transaction Fee

For purchases outside the UK, whether in-person while travelling or online, a 2.99% fee is applied to the converted amount.

For example, if you buy a £100 product from a US site, you’ll be charged £102.99. This does not take into account exchange rate fluctuations.

This fee applies to any purchase made in a foreign currency, even if the site displays prices in pounds but charges in a different currency, such as dollars or euros.

If you travel frequently, consider cards that don’t charge this fee. However, for occasional purchases, the security and points may still be worthwhile.

Cash Withdrawal Fee

When withdrawing cash from ATMs using the Nectar Card, a 3% fee is applied, with a minimum charge of £3 per transaction.

Additionally, interest is charged immediately, unlike with purchases made on credit. There is no grace period, and interest accrues from the very first day.

Example: if you withdraw £100, you pay a £3 fee plus daily interest until it’s fully paid.

Therefore, the card should not be used for cash withdrawals except in emergencies. It’s expensive and doesn’t earn points.

Additional Fees

If you miss a payment, you may be charged extra interest, and your credit score may be negatively affected.

Returned payments, such as failed direct debits due to insufficient funds, may incur a fee of up to £12, charged by Amex.

You can request a free supplementary card, allowing a family member to collect points with you on the same account.

If the American Express Nectar Card is lost or damaged, it will be replaced free of charge and sent promptly to your address.

Conclusion

The American Express Nectar is an excellent choice for anyone seeking a straightforward, reliable card that offers everyday rewards.

With points earned on every purchase, a welcome bonus, and no annual fee in the first Year, the card delivers value from day one.

Plus, Amex’s renowned security and exclusive benefits make the experience even more convenient, rewarding, and worry-free.

Like what you see? Would you like to compare it with another accessible and rewarding option? Discover the Vanquis Classic Credit Card in the article below and see if it’s the right match for you!