Is it worth getting an American Express card UK?

As others have said, there isn't an enormous benefit to having an Amex card in the UK. The acceptance rate (the chance you'll find a merchant who will take your card for payment) is lower than Visa and Mastercard. Having said that, there are some good deals to be had with Amex.



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Because American Express charges companies big fees. And retailers would sooner not give away so much of their profit to a card company, especially when almost everyone in the UK who has Amex also has some other way to pay so it's not like retailers lose the sale over it generally.

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If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

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Having an American Express card means that you likely have good or excellent credit, and some people might assume that you have an above-average income and good employment. Owning an Amex card also means you can use your card at any merchant or financial institution that accepts cards on the American Express network.

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