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Do American Express Offer Balance Transfers?

Do American Express offer balance transfers?

This is a popular question, that we have seen many UK credit card customers, over recent months looking for an answer to.

American Express currently offer a number of different credit cards in the UK. This is in addition to their traditional range of charge and business cards. The current American Express range of credit card has a particular emphasis on the travel sector. These credit cards include the British Airways American Express credit card and the Marriott Bonvoy credit card.

American Express also have a range of cashback and rewards credit cards including the Platinum Cashback credit card, and the Nectar credit card..

Do American Express Offer Balance Transfers?

American Express Offer

So, do American Express offer balance transfers on any of their credit cards?

Currently American Express do not have any 0% balance transfer offers available on any of their UK credit cards.

In fact American Express have not offered any introductory balance transfers to customers in the UK since June 2006. An Amex spokesperson said at the time: “We are focusing on attracting those who primarily want to take advantage of our reward schemes.”

American Express themselves do not offer any 0% balance transfers deals. However, there are of course many other credit cards available which do offer 0% balance transfers in the UK. Customers looking to make a balance transfer from American Express in the UK, can also make use of these cards.

These other 0% balance transfer cards are all issued using the Visa, or Mastercard payments networks and are accepted all over the world. Visa and MasterCard credit cards are generally more widely accepted in many more shops and restaurants than American Express credit cards.

Current UK 0% balance transfer credit cards include all of the following popular featured credit cards:-

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Card Offers

HSBC Balance Transfer*
HSBC Balance Transfer*
Balance Transfers:
0% for up to 27 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
More Information >

Card Details

HSBC Balance Transfer*
  • 0% interest for up to 27 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information >

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information >
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Card Offers

M&S Transfer Plus*
M&S Transfer Plus*
Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 3 months
Representative APR:
23.9% APR (variable)
More Information >

Card Details

M&S Transfer Plus*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
More Information >

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
More Information >
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Card Offers

M&S Shopping Plus*
M&S Shopping Plus*
Balance Transfers:
0% for 15 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 18 months
Representative APR:
23.9% APR (variable)
More Information >

Card Details

M&S Shopping Plus*
  • 0% for 15 months on balance transfers made within 90 days of account opening
  • 2.99% balance transfer fee, minimum £5
  • 0% on purchases for 18 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
More Information >

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
More Information >
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Card Offers

HSBC Purchase Plus*
HSBC Purchase Plus*
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
More Information >

Card Details

HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information >

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information >
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Card Offers

TSB Platinum Purchase
TSB Platinum Purchase
Balance Transfers:
0% for up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
22.9% APR (variable)
More Information >

Card Details

TSB Platinum Purchase
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 15 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information >

Application Criteria

TSB Platinum Purchase
  • You do not already have a credit card from TSB
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a regular income
  • You are a UK resident
  • You are aged 18 or over
More Information >
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.95% p.a. (variable)
No balance transfers allowed to this card from TSB credit cards

Many UK credit cards with 0% balance transfer offers have also been withdrawn in recent years. There were no 0% introductory offers on the NatWest balance transfer credit card for several years, for example. This was because NatWest stopped offering any 0% deals to both new and existing customers.

MBNA had at one time issued many dual credit cards with both a MasterCard and an American Express card, in the same card account. These MBNA dual credit card accounts with their 0% introductory offers, are also now no longer available.

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Published: February 21, 2023, Updated: September 13, 2023 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily