“I am based in the UK and ready to apply for a US Amex via Global Transfer. Since the Green card is discontinued and the Gold card has a high annual fee with credits mostly usable only in the US, which US Amex card makes the most sense for me to get?”
You do not need to absorb Gold's $325 fee to get a U.S. Amex that works sensibly in Britain: Hilton Honors and Delta Blue both have no annual fee and no foreign transaction fee. The real trade-off is whether you prefer Hilton points, Delta miles, or transferable Membership Rewards.
Your best route depends on whether you want low-cost overseas use, a particular travel currency, or continued .
This is the strongest default while you remain in the U.K.: no annual fee, no , and 3X Hilton Honors points on other eligible purchases. The 5X restaurant, supermarket and gas categories are U.S.-only, so expect 3X on ordinary U.K. spending.
Choose this instead if Delta miles are more useful to you than Hilton points. It has no annual fee or foreign transaction fee, earns 2X at restaurants worldwide and on Delta purchases, and earns 1X elsewhere.
This is a poor match while your spending is mainly in the U.K. because it charges 2.7% on foreign transactions and its 3% bonus categories are U.S.-only. Reconsider it only after most of your spending moves to the United States.
Use this niche route only if keeping transferable is worth the $325 annual fee to you. It avoids foreign transaction fees and earns 4X at restaurants worldwide, but the U.S.-restricted Uber and Dunkin' credits are weak value while you live in Britain.
Request the exact card you want before accepting another product, because Amex does not publish the Global Transfer phone channel's card inventory.
These steps let you apply through Global Transfer without choosing an expensive or overseas-unfriendly card by mistake.
Before choosing a U.S. card
Confirm your Global Transfer eligibility
Do not use this route if your only card is a corporate card or an Amex-branded card issued by another bank; Amex excludes both. A voluntarily cancelled card can qualify only if it was cancelled within the last three months.
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Before calling
Gather the U.S. application details
Prepare every item Amex lists for the U.S. application. Being physically in the U.K. does not replace the U.S. address, phone and bank details required by the published process.
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Choose before the application
Select your reward route
Request Hilton Honors as the default $0-fee, no-foreign-fee card. Request Delta Blue instead if airline miles suit you better; use Gold only if Membership Rewards continuity and worldwide restaurant earning justify $325 a year.
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When ready to apply
Call the U.S. Global Transfer team
Call 877-621-2639 Monday through Sunday, 8:00 to 23:00 Eastern Time, and request the exact product. Amex says it may contact you within a week for identification or other information and aims to deliver the card within two weeks after receiving required documents, subject to approval and acceptance.
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Before closing the U.K. card
Protect your Membership Rewards before cancelling
If the new card is enrolled in Membership Rewards, call the number on the back of your existing card to transfer the points. Hilton Honors and Delta Blue are not Membership Rewards cards, so redeem the points before cancelling the existing card; if you keep that card open, Amex says its annual fee continues.
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You are not the first to go through this. Here is how it went for others who asked the same thing.
u/Inner_Parfait_6906r/amex2026年8月16日
u/xVenom126r/amex2026年8月15日
The answer is based on American Express's U.S. Global Card Transfer page and its current U.S. product and benefit pages.
American Express U.S. Global Card Transfer
This sets the existing-card eligibility rules for a U.S. Global Transfer application.
To be eligible for a new Card in the U.S., your existing Card must be issued by American Express, you must be the primary Cardholder, and have held the Card for at least 3 months. Your Card Account must be open and in good standing at the time you apply for a new Card in the U.S. If the Card was previously cancelled by you, it must have been cancelled within the last 3 months. American Express Corporate Cards and American Express Cards issued by Banks other than an American Express Bank are not eligible through this Card application process.
American Express U.S. Global Card Transfer
This lists the details Amex tells a U.S. Global Transfer applicant to prepare.
Please have your existing Account details, U.S. home address, U.S. home phone number, U.S. bank details, passport details, employment details, and Social Security Number or Individual Taxpayer Identification Number available.
American Express U.S. Global Card Transfer
This gives the dedicated personal-card phone line, its hours, and Amex's stated delivery aim.
For Personal Card apply by phone: Call 877-621-2639, available Monday - Sunday from 8:00 - 23:00 (EST). Once the application has been successfully submitted, we may contact you within a week for identification documentation or any additional information. Upon approval and acceptance, we will send you your new Card (we aim to have it to you within two weeks of receiving any required documents).
American Express U.S. Global Card Transfer
This explains when existing Membership Rewards points can transfer and what to do before cancelling a non-transferable account.
Membership Rewards ® points can be transferred to your new Card if it is enrolled in the Membership Rewards program. Otherwise, please redeem the points before you cancel your existing Card.
Hilton Honors American Express Card terms
This establishes the Hilton card's core cost and its ordinary-spend earning rate.
There is no annual fee for the Hilton Honors American Express Card. The Hilton Honors American Express Card does not have foreign transaction fees. Card Members can earn 3X Points on all other eligible purchases. Card members can earn 5X Points on purchases made directly with U.S. Restaurants, U.S. Supermarkets and U.S. Gas Stations.
Delta SkyMiles Blue American Express Card terms
This establishes Delta Blue as the no-fee airline alternative and gives its earning rates.
There is no annual fee for the Delta SkyMiles ® Blue American Express Card. The Delta SkyMiles ® Blue American Express Card does not have foreign transaction fees. 2X miles at restaurants worldwide. 2X miles on Delta Purchases. 1X miles on all other eligible purchases.
Blue Cash Everyday Card terms
This shows why Blue Cash Everyday is unsuitable for regular U.K. spending despite having no annual fee.
The American Express Blue Cash Everyday ® Card has no annual fee. Yes, the American Express Blue Cash Everyday ® Card charges a foreign transaction fee of 2.7% on each transaction after conversion to U.S. dollars. Card Members can earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Card Members can earn 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%). Card Members can earn 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
American Express Gold Card terms
This establishes Gold's annual cost, overseas-fee treatment and two main earning categories.
The annual fee for the American Express ® Gold Card is $325 for a Basic Card. Enjoy every trip abroad with no foreign transaction fees from American Express with the American Express ® Gold Card. 4X Membership Rewards ® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. 4X Membership Rewards ® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
American Express Gold Card benefit terms
This confirms that two prominent Gold credits are geographically focused on the United States.
$120 Uber Cash on Gold: Get $10 in Uber Cash each month when you add your Gold Card to your Uber account. You can use your Uber Cash on orders from your favorite restaurants and rides with Uber in the U.S. when you select an Amex Card for your transaction. $84 Dunkin' Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express ® Gold Card at U.S. Dunkin’ locations.
These are American Express's official terms as shown on the cited pages when retrieved on 2026-08-28; card terms and availability can change.
This is general information about official processes, not legal advice, and SettleKit is not a law firm.
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