American Express Platinum Cashback Everyday Card
- Earn 0.5% cashback on purchases plus a welcome bonus
- Earn 1% after £5001 of yearly spend.
- No annual fee
An accessible and easy-to-use card offering cashback for everyday spending.
If you’re looking for a credit card that rewards your everday spending, this one could be a handy way of earning cashback.
A decent introductory bonus, no annual fee and no cap on cashback returns are certainly appealing.
The American Express Platinum Cashback Everyday Card also comes with travel accident insurance and other Amex perks and has a moderate APR.
Key details
| Issuer | American Express |
|---|---|
| Network | Amex |
| Annual/monthly fees | £0 |
| Loyalty scheme | Cashback |
| Cashback details | 5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback. |
| Incentive | Earn up to £150 additional bonus cashback per calendar year. £20 per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses Referral Programme. The cashback rebate is not payable in respect of any month in which the minimum payment is not received by the due date. |
| Additional Rewards Info | Refund Protection - provides refunds to cardmembers in the event of any retailer, online or offline, refusing to refund the value of any goods taken back within 90 days of them being purchased, maximum £200, max £750 per annum. Global Assist - 24/7 help available when travelling outside the UK. Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Invites. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback. |
| Purchases | 22.9% |
| Purchases interest-free period (days) | 56 |
| Annual/monthly fees | £0 |
|---|---|
| Foreign usage charge (EU) | 2.99% |
| Foreign usage charge (rest of world) | 2.99% |
| Cash advance fee | 3% (min. £3) |
| Late payment fee | £12 |
| Duplicate statement fee | £2 |
| Exceeding limit fee | £12 |
| Additional card fee | £0 |
| Replacement card fee | £0 |
| Dormancy fee | £0 |
| Minimum Age | 18 |
|---|---|
| Residency | UK resident and has a UK bank or building society account. |
| Availability | Available to new customers |
How does this card compare with other rewards cards on the market?
Repayment options
When it comes to repayments, you can make manual repayments online or over the phone (0800 917 8047), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
| Minimum amount | Fixed amount | Fixed percentage | Full amount |
|---|---|---|---|
How to apply for the American Express Platinum Cashback Everyday Card
If you’ve been won over by this rewarding card and want to apply, just click on the “Go to Site” button and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.
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