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Review: What does the Harrods American Express charge card offer?

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This is our review of the Harrods American Express card.

The Harrods American Express card is a little-known product which is not freely available, a little like the Vitality American Express card.

The Harrods American Express card is only available to Gold, Black and Platinum members of the Harrods Rewards loyalty scheme.  You would need to spend £5,000 in the store in a calendar year to hit Gold status.

Harrods American Express card review

In the past, Harrods has occasionally emailed general UK members of Harrods Rewards, irrespective of status, with an invitation to apply.  Unless such an email pops into your inbox, you should assume that you cannot get the card.

You can see full details for the card on the Harrods site here.

What does the Harrods American Express card offer?

The Harrods American Express card comes in a metallic shade of brown (bronze?) as you can see above and below.  I’ve never seen one in the flesh so I don’t know how classy the real thing looks.

Here are the headline features:

  • The sign-up bonus is 5,000 Harrods Rewards points, worth £50, when you spend £3,000 within three months – it appears that you receive this irrespective of other American Express cards you hold
  • There is an annual fee of £195
  • It is a charge card, not a credit card – you must clear your balance each month

This is what you earn when you spend on the card:

  • One Harrods Rewards point (1p) per £1 spent
  • Two Harrods Rewards points (2p) per £1 spent in Harrods – for clarity, this is not including the Harrods Rewards points you’d earn from your Harrods spending regardless of the card you used
Harrods American Express card review

Does the Harrods American Express card have extra benefits?

Here are two additional benefits:

  • You receive a £25 quarterly statement credit when you spend in Harrods in-store restaurants

The restaurant benefit is, of course, worth having if you can use it.

The SLH benefit is, frankly, poor. You earn this status by staying just four nights with Small Luxury Hotels of the World and the benefits (mainly free breakfast) align with that.

The other benefits are more nebulous:

  • Exclusive Harrods Rewards bonus points promotions
  • Invitations to exclusive Harrods events

Are these events any good?  We don’t know.  It is worth mentioning that, about 10 years ago, I was gifted top-tier Harrods Black status for a couple of years.

This usually requires £10,000 of spend in a calendar year and was, at the time, the top tier. A Platinum tier, requiring £50,000 of annual spend, was recently added.

During that period, we were invited to a fair number of exclusive childrens events, often held in-store on a Sunday morning before the shop opened.  I was also once invited to a dinner in the wine store hosted by Qatar Airways, which is where I met the Qatar Airways UK country manager and where our good relationship with the airline sprung from.

However …. it is not clear how charge card holders fit into the pecking order for events.  The card is only for elite members of Harrods Rewards anyway, so holders would already be receiving some invitations.

Harrods American Express card review

Anything else worth knowing?

According to HfP reader reports, the Harrods American Express can be used in place of a standard Harrods Rewards card.

This means that, in theory, you could ask a cashier to swipe your Harrods American Express in order to credit your base points but then pay with a different card.

This feature is not confirmed anywhere on the card website.

Conclusion

The Harrods American Express card is an odd product – made even odder for still being a charge card and not a credit card.

There is, of course, going to be a lot of overlap between the Platinum and Centurion cardholder bases and those people who may be interested in a Harrods charge card.

Giving you 2% cashback on your Harrods spending (albeit in Harrods points) is not a bad reward. If you qualify to get the card then you are already Harrods Rewards Gold and spending £5,000+ in the store each year.

Of course, in terms of day to day rewards for non-Harrods spending, there are free American Express cards which can get you an equivalent 1% return on your spending (British Airways American ExpressAmerican Express Cashback EverydayAmerican Express Rewards Credit Card).  You don’t need to spend £195 in annual fees.  The three cards above also have more generous sign-up bonuses.

Perhaps the biggest benefit is having a novel card to show your friends (as I said, even I’ve never seen one in the flesh) at a far lower cost than American Express Platinum or Centurion.


earns points from credit cards

Want to earn more points from credit cards? – April 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Comments (39)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • camille55 says:

    @ George K – loving the stacking at the GR restaurant! Recently noticed the new Platinum Tier. Free parking is another useful perk for Black. I think I was Gold once and got invited to a race today at Goodwood, which was fab.

    I remember the Harrods card issued by GE Capital.

    I reckon black + this Amex useful today, if have a home refurb or bunch of high end spending planned. Also about the only way to get discounted LV.

  • Cranzle says:

    Has anyone noticed how poor the quality of food at some of the new outlets in the dining hall are?

  • Josh B says:

    Pointless product for a pointless store. Great match!

    • HD says:

      I love the smell of envy in the morning.

      • Throwawayname says:

        What’s there to be envious of? Those department stores may have been superb shopping destinations during much of the 20th century, but they no longer serve a real purpose.

        With a few clicks, I can buy my clothes directly from the Sir Lemon factory in Spain or the ISTO designers in Portugal and get detailed measurements, full traceability in terms of provenance (‘corozo buttons made of Peruvian wood’), in-depth technical specifications (‘97% 180gsm cotton, 3% elastane’), and the opportunity to provide them with direct feedback which I know will be considered in the development of future designs. I can’t see what value can possibly be added by the Harrods salesperson struggling to make ends meet on £27k working in a neighbourhood where nannies earn £60k+.

        Last time I went to Selfridges for some aged balsamic vinegar, nobody could find the viscosity of what they had on the shelf. Complete waste of my time and even theirs as I ended up returning to Waitrose to buy a cheaper brand which however displayed it on the label.

        • Rob says:

          But by your own admission even a local nanny has the money to shop there ……

          • Throwawayname says:

            Of course she does. The issue with these places isn’t that they’re expensive, but that they can’t match the internet for variety and/or product knowledge.

          • Cats are best says:

            Online shopping does not allow trying on clothes, shoes, jewellery, watches, smelling perfume etc., nor is it good at tailoring, special requests etc.

            There’re also the products that are not available online.

            I’ve used the Internet since the 1980’s and buy a lot of online, but it’s no substitute for the personal touch from staff who know what they’re talking about, offer you a drink and have a natter because they’ve known you for years.

            Long live the high street with proper shops staffed by proper people.

          • Throwawayname says:

            Oh yeah, there’s real value in specialist high street shops – indeed, going back to the balsamic example, I only got seriously interested in it after visiting an Italian delicatessen and coming across one that had been matured for 25 years. The problem is that it’s very hard to recreate that experience within a department store environment as they just can’t afford to pay salaries which are sufficient to retain highly knowledgeable staff.

            Some physical distribution networks are also getting tighter as a result of the rise of online shopping – e.g. one of my favourite perfume brands is the Brazilian Natura which is extremely popular throughout Latin America, with lots of its own shops and popular websites in multiple countries, but you can’t find any of its products at any airports because Dufry have a virtual monopoly on the shops there. Same goes for the clothing brands I mentioned upthread- they prefer controlling their distribution channels and making larger % margins on smaller turnover, so you won’t see their products in department stores.

  • The Urbanite says:

    I’ve had the card for a few years, this post is a good reminder to cancel it as I can’t justify paying the annual fee!

  • Mohamed says:

    I still remember when this card was launched around 2007/08,the time of Al Fayed, I was black member, when spending £4000 on card gives you free nights at Ritz Paris, managed to stack up 3 nights.
    There used to be great events at Christmas time, a 7 set dinner by Hélène Dorroze before she launched her restaurant at Connaught, once a dinner at Lannesboraugh to launch Italian designer at Harrods, it was the time before the Qataris took over, each event comes with great baggy gift, as for the 2 points earn on card there was always discrepancy, as black I should be earning 3points and Harrods Amex extra 2 points but the credits were always wrong and staff always confused, the card is just nice designed and whenever I used to use if abroad merchants were impressed to see Harrods logo which fades up within a year.

  • Roger that says:

    When I lived in Cadogan Place and before this loyalty stuff exploded, I had a Harrods account card, all white and different size from current cards (more ‘oblong’), no black stripe, account details embossed.

    The idea of using Harrods as my local grocer was attractive in a pulling sense. In the end, I hardly used owing to impracticality and the opening of a big Sainsbury’s on the King’s Road.

    Lots of changes in my personal life around then and I often wonder what may have happened had life pointed me in a different direction.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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