Vitality American Express Credit Card review September 2020

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

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £6 per month, your representative rate is 35.9% APR (variable).

35.9%

Representative APR

Earn 1p

per £1 spent

Up to 56 days

Interest-free each billing period

Details

IssuerAmerican Express
NetworkAmex
Annual/monthly fees£6 per month
Purchases22.2%
Purchases interest-free periodUp to 56 days
Cash advances27.1%
Min credit limit£700
Max credit limitNot specified
Additional cards available25
Incentive0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. Must spend £3K annually to earn cashback. Earn between 0-2% additional cashback on first £1K spend each month. Cashback booster rate is based on number of eligible Vitality products held and monthly activity points earned two months prior.
Cashback details0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. Must spend £3K annually to earn cashback. Earn between 0-2% additional cashback on first £1K spend each month. Cashback booster rate is based on number of eligible Vitality products held and monthly activity points earned two months prior.

Expert review

Tom Stelzer

Review by


Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.

Expert review

The Vitality Amex credit card offers up to 3% 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 £5,000 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.

You can also get £100 cashback if you spend £2,000 using your card in the first 3 months, which will be honoured after your first card anniversary. There’s also the regular Amex benefits, such as American Express Experiences, travel insurance and 24/7 global customer support.

Otherwise, the Vitality credit card boasts a fairly competitive purchase rate of 22.2% p.a., but a representative APR of 35.9%, thanks to a £6 monthly fee.

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.

How does this card compare with other similar cards on the market?

American Express card

Data indicated here is updated daily
Name Product Rewards earn rate Balance transfers Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
Vitality American Express Credit Card
Vitality American Express Credit Card
1% cashback
N/A
22.2%
£6 per month
35.9% (variable)
0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. Must spend £3K annually to earn cashback. Earn between 0-2% additional cashback on first £1K spend each month. Cashback booster rate is based on number of eligible Vitality products held and monthly activity points earned two months prior.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £6 per month, your representative rate is 35.9% APR (variable).
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Other rewards cards

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Rewards earn rate Balance transfers Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Reward Plus Mastercard
2 points per £1 spent with selected partners
1 point per £5 spent elsewhere
0% for 6 months
(2.9% fee)
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Mastercard
1 point per £1 spent with selected partners
1 point per £5 spent elsewhere
0% for 20 months
(2.9% fee)
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
American Express Rewards Credit Card
1 point per £1 spent
N/A
22.2%
£0
22.2% (variable)
Go to site
More Info
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Platinum Cashback Everyday Card
1% cashback
N/A
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
British Airways American Express Card
1 point per £1 spent
N/A
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
The American Express Nectar Credit Card
2 points per £1 spent
N/A
22.2%
Year 1 - £0, Year 2 onwards - £25 per annum
27.3% (variable)
Go to site
More Info
As a new Cardmember, earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 27.3% APR (variable).
American Express Platinum Cashback Card
1.25% cashback
N/A
22.2%
£25 per annum
27.3% (variable)
Go to site
More Info
As a new Cardmember, get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £25 per annum, your representative rate is 27.3% APR (variable).
The Marriott Bonvoy American Express Card
6 points per £1 spent with selected partners
2 points per £1 spent elsewhere
N/A
22.2%
£75 per annum
38.8% (variable)
Go to site
More Info
As a new Cardmember earn 20,000 points bonus when you spend £3,000 in the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £75 per annum, your representative rate is 38.8% APR (variable).
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Approval for any credit card will depend on your status. The APR shown represents 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.

How to apply for the Vitality American Express Credit Card

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.

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

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