In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
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Vitality American Express® Credit Card (Vitality Members only) review 2023

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Vitality American Express® Credit Card (Vitality Members only)
3.0
★★★★★
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Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £6.5 per month, your representative rate is 46.4% APR (variable).
Earn rate
1p per £1 spent
Representative APR
46.4% (variable)
Interest-free each billing period
Up to 56 days
Minimum credit limit
£700
Our verdict

The Vitality Amex credit card offers a generous cashback scheme for customers whose credit card is as active as their lifestyle.

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The Vitality Amex credit card offers up to 1% cashback to customers who are active with their credit card purchases, and also maintain an active lifestyle.

Of course, there are certain conditions you'll have to meet to enjoy the full cashback offer. You'll need to spend over £10,000 to get the full 1% Amex cashback, and need to have two eligible Vitality insurance plans (and earn more than 160 Vitality activity points each month) to get the additional 2% cashback booster.

Otherwise, the Vitality credit card boasts a fairly competitive purchase rate of 30.7%% p.a., but a representative APR of 46.4%.

So while you're likely to find a lower APR elsewhere, the Vitality credit card could be worthwhile for Vitality customers who are generally active and able to make the most of the full cashback offer.

Pros

  • Customers report excellent customer service when dealing with American Express
  • Earn cashback on day-to-day spending

Cons

  • Annual fee
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £6.5 per month, your representative rate is 46.4% APR (variable).

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements

Details

Product overview

Issuer American Express
Network Amex
Annual/monthly fees £0 (but £4.75 fee for the Vitality programme)
Balance transfers 30.7%
Balance transfer fee 3%
Purchases 30.7%
Purchases interest-free period Up to 56 days
Cash advances 38%
Minimum credit limit £700
Maximum credit limit Subject to status
Additional cards available 25
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 Experiences. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.
Introductory Rewards New Cardmember offer: earn a £100 statement credit when you spend £2,000 in your first three months of Cardmembership.
Cashback details 0.5% on £1 to £10,000 of yearly spend and 1% thereafter. Paid on anniversary. Must spend £3,000 annually to earn cashback. Earn up to 2% additional cashback on first £1,000 spend each month based on Vitality products held and monthly activity points earned. New cardmember offer: earn £100 statement credit when £2,000 spent in first three months.
Potential costs ★★★★★
Doing its job ★★★★★
Extras ★★★★★
Overall Finder rating ★★★★★
Overall customer rating
★★★★★

Fees and charges

Minimum monthly payment 2% or £25 (whichever is greater) or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.
Annual/monthly fees £0 (but £4.75 fee for the Vitality programme)
Balance transfer fee 3%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 3% (min. £3)
Late payment fee £12
Replacement card fee £0
Duplicate statement fee £2
Exceeding limit fee £0
Additional card fee £0
Dormancy fee £0

Application requirements

Minimum Age 18
Residency UK resident and has a UK bank or building society account.
Availability Available to new customers
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How does it compare?

American Express's card

1 - 1 of 1
Name Product Rewards earn rate Max. intro bonus Purchases Representative APR Link Incentive Representative example
Vitality American Express® Credit Card (Vitality Members only)
0.5% cashback
N/A
30.7%
46.4% APR (variable)
0.5% on £1 to £10,000 of yearly spend and 1% thereafter. Paid on anniversary. Must spend £3,000 annually to earn cashback. Earn up to 2% additional cashback on first £1,000 spend each month based on Vitality products held and monthly activity points earned. New cardmember offer: earn £100 statement credit when £2,000 spent in first three months.
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £6.5 per month, your representative rate is 46.4% APR (variable).
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Other popular cashback deals

Table: sorted by representative APR, promoted deals first
Name Product Rewards earn rate Max. intro bonus Purchases Representative APR Link Incentive Representative example
Santander All in One Credit Card
0.5% cashback
N/A
0% for 15 months reverting to 23.9%
29.8% APR (variable)
Check eligibility
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
American Express® Platinum Cashback Everyday Credit Card
1% cashback
£100
30.7%
30.7% APR (variable)
Check eligibility
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).
American Express® Platinum Cashback Credit Card
1.25% cashback
£125
30.7%
36.3% APR (variable)
Check eligibility
New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.3% APR (variable).
Pulse Card Mastercard (existing NewDay customers only)
0.25% cashback
N/A
Your interest rate will stay the same as your current NewDay card
APR (variable)
Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year
If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through American Express's app by logging in to your online banking or over the phone (0800 917 8047). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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

You can apply by visiting the American Express site and completing an application form. Before you apply, check that you meet the eligibility requirements and have all your necessary personal and financial details ready.

The bottom line

It’s fair to say there’s very few cards on the market quite like the Vitality American Express credit card. With an ambitious cashback scheme tied that’s tied to your Vitality insurance plan, it’s definitely worth a look for anyone who’s ever wished their active lifestyle could be rewarded through their credit card.

However, there’s a lot of criteria you’ll need to meet to get the most out of the card, and there’s also a large monthly fee you’ll need to consider. But if you’re an existing Vitality customer, you could find the cashback more than worth it.

Frequently asked questions

What credit limit will I get with the Vitality American Express® Credit Card (Vitality Members only)?

If American Express is able to offer you this deal, the offer will specify a personalised credit limit based on American Express's assessment of your situation. The minimum limit offered on this card is £700 and American Express does not specify a maximum. Once you've had the card for a while and shown American Express that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Vitality American Express® Credit Card (Vitality Members only)?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Vitality American Express® Credit Card (Vitality Members only) is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 38% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Vitality American Express® Credit Card (Vitality Members only) abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£173.48), it'll cost you around £5.19 in fees.

Finder credit card ratings

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★★★★★ — Good
★★★★★ — Average
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★★★★★ — Poor

Our experts score cashback credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any limits or restrictions to earning cashback, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
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