Whereabouts Can I Use My AMEX Credit Card?
American Express credit cards are accepted at tens of thousands of locations around the world, both on and offline.
In your day to day life, you can use your AMEX to pay for things like flights and travel, groceries, petrol, accommodation, taxis, bills, concert tickets, and other daily expenses.
Virtually all major retailers and service providers will accept AMEX cards, but smaller stores – such as your corner store or local hardware store – may not accept AMEX as a form of payment. This is because AMEX generally charge higher merchant fees than other credit card issuers, which smaller businesses can’t recoup as easily as larger companies are able to.
(For an indication of the individual stores in the UK where AMEX is accepted, visit the credit card provider’s official listing.)
If you travel abroad frequently, using your AMEX has many benefits, such as dedicated AMEX currency exchange centres. If you’re an AMEX customer, you can often access a better foreign exchange rate at these centres. AMEX accounts can also come with extras such as free travel insurance and 24-hour card replacement, if your credit card is lost or stolen.
However, there can also be some drawbacks associated with using your AMEX overseas.
AMEX differs from other credit cards such as Visa and MasterCard, as it is a direct issuer, rather than being a product offered by a bank or financial institution.
As a result, AMEX is not as widely accepted as other credit card types in all countries. Usually, major retailers, hotels and restaurants will accept AMEX, but smaller businesses may not accept AMEX payments, because the transaction fees charged to the merchant are too high. If you’re planning to travel overseas, it’s worth enquiring with your hotel or with AMEX credit card provider to ensure that your credit card will be accepted.
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