American Express

American Express provide the ideal range of cards for people who like to be rewarded. In recent years American Express has introduced a range of cards aimed at rewarding everyday spending. Whether you want cashback on every purchase you make, supermarket reward points, miles to spend on holidays or donate to charity American Express has a card for you.

The Nectar Credit Card

Nectar is the reward scheme for Sainsbury's, Debenhams, BP and many other partners. The Nectar Credit Card is a great way to increase your Nectar balance. Apply now and if you're accepted you will get a bonus of 1000 Nectar points after your first purchase. You earn one Nectar point per pound spent in your everyday spending and two Nectar points per pound in Nectar retailers (this is in addition to the Nectar points you would get anyway, so £1 spent in Sainsbury's would total 4 points). As well as money off your shopping Nectar rewards can be exchanged for days out at various attractions throughout the UK, household goods, flights, rail travel and accommodation. Nectar points may also be donated to charity.

American Express RED

American Express RED is part of a range of products by various manufacturers designed to contribute to the Global Fund to raise money to tackle poverty and AIDS in Africa. Other companies involved in Product RED include Apple, Gap and Motorola. The American Express card donates a minimum of 1% of your total spend to the Global Fund, if you spend over £5,000 in a year this increases to 1.25%. Now you can help good causes without any extra expense to yourself.

British Airways American Express

If you fly frequently on British Airways or one of its oneworld partner airlines then this is the card for you. There's two BA Amex cards to choose from. The blue BA Credit Card is the one suitable for most people, it gives you one mile per £1 spent, gives you 3000 bonus BA Executive Club miles when you sign up and double miles for the first three months. The blue BA Credit Card has no annual fee.

For higher spenders the black BA Premium Plus Card is worth a look, it has a £120 annual fee but gives you a 60000 mile bonus, 1.5 miles per £1 spent, double miles for the first three months and a free companion ticket once you're spent £10,000 on the card.

Platinum Credit Card

The American Express Platinum Credit Card is for those who don't want to participate in a reward scheme but would rather receive cashback on purchases. This card has no annual fee and offers 1.5% cashback on all purchases (this is doubled to 3% in the first three months).

Charge Cards

American Express Charge Cards are aimed at the high end customer. Unlike the credit cards listed above, charge cards have to be paid in full every month. In the UK American Express offers three levels of charge card: Green, Platinum and Centurion (black). The Green and Platinum cards are open to the public whereas the Centurion card is invite only and reserved for their best customers. All charge cards offer enrollment in the Membership Rewards programme. Membership Rewards allow you to transfer miles to a number of leading airlines including Air France, BMI, Continental, KLM and Virgin Atlantic as well as a number of leading hotels. Benefits vary depending on your choice of card but include benefits such as comprehensive worldwide travel insurance, airline lounge access, medical assistance, 24 hour emergency worldwide card replacement and a concierge.