Balance Transfer From American Express?

Balance Transfer From American ExpressA balance transfer from American Express credit cards can very often be more difficult than many other balance transfers in the UK. An AMEX balance transfer can often fail due to the 15 digit card number.

We have recently seen increasing number of questions on the topic of a balance transfer from American Express:-

  • Can you do a balance transfer from American Express?
  • How can a customer in the UK make an AMEX balance transfer?
  • Can you make a balance transfer from AMEX charge or credit cards to another UK credit card?

Here at Balance Transfer Expert we explain how to successfully make an American Express balance transfer.

Balance Transfer From American Express

You can make a balance transfer from American Express to another UK credit card, but the card choice is limited.

It is usually easy to make a balance transfer from a Mastercard or Visa credit card to another UK credit card. However a balance transfer from American Express to another 0% credit card can often be more difficult.

What is the issue with doing a balance transfer from American Express, that make it more difficult?

American Express credit cards are issued with a 15 digit card number on the front of the card. However, all UK Visa and MasterCard credit cards are issued with a 16 digit card number.

The UK credit card companies generally have their computer systems set up to expect at least a 16 digit card number for the balance transfer request.

As a result the 15 digit card number for an American Express card can often lead to the computer system rejecting the AMEX card number as invalid. As a result the American Express balance transfer request can then often fail.

AMEX Balance Transfer

Here at Balance Transfer Expert, in our experience, the following credit card company’s systems are more compatible with accepting the 15 digit AMEX card number.

The featured cards below are best suited to accept a balance transfer from American Express online:-

Card Offers

Balance Transfers:
0% interest for up to 22 Months
Balance Transfer Fee:
0%
Purchases:
No offer
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • 0% interest for up to 22 Months on balance transfers made within the first 90 days of opening your account
  • No balance transfer fee
  • No introductory offer on purchases
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
More Information

Application Criteria

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for up to 37 Months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Balance Transfer*
  • 0% for up to 37 months on balance transfers made within 3 months of account opening
  • 1.99% balance transfer fee applies
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: None
More Information

Application Criteria

Post Office Money Balance Transfer*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
A 1.99% fee applies and balance transfers must be made within 3 months of account opening
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
0%
Purchases:
0% for 12 Months
Representative APR:
17.9% APR (variable)
More Information

Card Details

Nationwide Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Credit Card just for Nationwide members*
  • Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 30 Months
Balance Transfer Fee:
2.75%
Purchases:
0% for 30 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Matched*
  • 0% on balance transfers for 30 months made within 3 months of account opening
  • 2.75% balance transfer fee
  • 0% on purchases for first 30 months
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: None
More Information

Application Criteria

Post Office Money Matched*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
0%
Purchases:
0% for 12 Months
Representative APR:
15.9% APR (variable)
More Information

Card Details

Nationwide Select Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • 0.5% unlimited cashback on all purchases in pounds sterling
  • Unlimited commission free purchases abroad
  • Manage account online
  • Annual Fee: None
More Information

Application Criteria

Nationwide Select Credit Card just for Nationwide members*
  • Our credit cards are just for members. You’re a member when you have a current account, mortgage or savings account with us
  • Our credit card exclusively for members with a main current account
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Our credit card exclusively for members with a main current account
Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
2.89%
Purchases:
0% for 28 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Platinum*
  • 0% interest for 18 months on balance transfers made within 3 months of account opening
  • 2.89% balance transfer fee
  • 0% interest on purchases for first 28 months
  • No fees on overseas purchases
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: None
More Information

Application Criteria

Post Office Money Platinum*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
No fees on overseas purchases
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

If you encounter a problem making your balance transfer online, here is one tip that we know has worked previously. When entering the credit card number, place a 0 as the first digit of your existing American Express card number. This will then give you the required 16 digit credit card number.

Some credit cards provides both an American Express card and a Visa or MasterCard credit card on the same account. This is most common with rewards credit cards like some airline or travel credit cards. In this case, we would recommend using the 16 digit Visa or MasterCard card number to make the balance transfer.

Some AMEX balance transfer customers have reported success in making a balance transfer from American Express over the telephone with their credit card customer services. However, a balance transfer from American Express may also be problematic in this way too.

If requesting an American Express balance transfer over the telephone, it is often best to ask for a supervisor. These more experienced people are often more likely to understand how to make this type of balance transfer from American Express cards.

American Express Balance Transfer

American Express currently, do not provide any 0% American Express balance transfer offers in the UK. For many years now, American Express UK have not issued any AMEX balance transfer cards with a 0% transfer offer.

You can ask to make a balance transfer from another credit card to an American Express card. However, you will not benefit from the 0% rates available on balance transfers from many other popular UK credit cards.

So, in summary, can I transfer my American Express balance to another card?

Yes as described above, you can. In our experience, the card companies listed above are more used to dealing with an American Express balance transfer. Many other credit card companies do not deal so well with the AMEX balance transfer card number.


Related Content From Balance Transfer Expert:-

Today Balance Transfer Expert has:-

89 UK 0% balance transfer credit cards offering:-

  • 0% balance transfers for up to 37 months with a 1.99% fee
  • 0% balance transfers for up to 22 months with no fee