1.American Express may vary the APR, interest rates and other charges from time to time.

2.If you are approved for the Nectar Credit Card you will receive 5,000 Nectar bonus points when you spend and charge a minimum of £500 to the account on goods and services purchased within the first three months of the account opening.

3.4 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Credit Card and 2 points on your Nectar loyalty card at most participating Nectar partners. For BP, Expedia and Homebase, different points levels apply as the base earn rate on the loyalty card varies. See nectar.com for details. Nectar points are not collected on Balance Transfers unless stated otherwise, Cash Advances, American Express® Travellers Cheque purchases, Foreign Exchange, interest, any spending in excess of your Credit Limit, charges for returned payments, late payment or Referral Charges and American Express Credit Card finance charges. American Express reserves the right to vary the Nectar points you collect from American Express on spending at any Nectar partner.

4.For every £500 spent and charged on your Card, in any calendar month, you will collect 500 MorePoints on top of your usual base and bonus points. There is no upper limit.

Applicants must be 18 years old or over. Approval subject to status, certain exclusions apply. Written details are available upon request. American Express and Nectar reserve the right to vary the rate at which points are collected. The Nectar Credit Card is issued by American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX. Registered in England and Wales with Number 1833139 who is authorised by the Financial Services Authority under the Payment Services Regulations 2009, reference number 415532, for the provision of payment services.