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. According to HfP reader reports, The Harrods American Express Card can be used in place of a standard Harrods Rewards card. ConclusionThe Harrods American Express Card is an odd product – made even odder for still being a charge card and not a credit card. 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 Express, American Express Cashback Everyday, American Express Rewards Credit Card).