Vitality American Express Credit Card review September 2020
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: ★★★★★
Doing its job: 4/5
In a nutshell:
per £1 spent
Up to 56 days
Interest-free each billing period
|Annual/monthly fees||£6 per month|
|Purchases interest-free period||Up to 56 days|
|Min credit limit||£700|
|Max credit limit||Not specified|
|Additional cards available||25|
|Incentive||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.|
|Cashback details||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.|
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.
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
Other rewards cards
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.
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|