American Express
Amex® Platinum Cashback Credit Card
A paid UK cashback credit card from American Express offering higher ongoing cashback than the Platinum Cashback Everyday card. It is best for users who spend enough every year to justify the £25 annual fee.
cashbackBest for Higher-spending UK users who want stronger cashback rates than the no-fee Amex cashback card.
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Highlights
Main benefits
- 0.75% cashback up to £10,000 yearly spend
- 1.25% cashback above £10,000 yearly spend
- £25 annual fee
- Cashback credited annually
- 0.5% cashback at UK warehouse retailers
- Higher cashback than the Amex Everyday version
- Good for higher-spending UK users
- Useful for everyday eligible purchases
Fees
Fees and charges
Joining fee
£0
Renewal fee
£25 per year
Annual fee waiver
No standard annual fee waiver mentioned on the official Amex cashback benefit page.
Who can apply
Eligibility
- UK applicant
- Subject to status and credit approval
- Must meet American Express eligibility checks
- Best suited for users who pay the full statement balance every month, because interest can reduce or remove cashback value.
Checklist
Documents required
- Identity details
- UK address details
- Income and employment details
- Bank/account details
Amex may verify details electronically during application.
Process
How to apply
Apply online through the official American Express UK website. The application asks for personal, address, employment, income, and financial information.
Value
Reward and cashback structure
Reward rate
- 0.75% cashback on purchases up to £10,000 in the cardmembership year
- 1.25% cashback on purchases above £10,000 in the cardmembership year
- 0.5% cashback at UK warehouse retailers
- Cashback is not earned on balance transfers, cash advances, foreign exchange transactions, interest, fees, late payment charges, returned payment charges, spending above credit limit, and similar excluded transactions.
Cashback
Cashback is credited to the card account once per year during the card anniversary month, based on eligible purchases made during the previous 12 months. Any introductory cashback, if eligible, is also credited in the credit card anniversary month.
Good fit
Pros
- Higher cashback rate than the no-fee Amex Cashback Everyday card
- Strong cashback rate for UK market
- Simple reward structure
- No rotating categories
- Annual cashback is automatic on eligible spending
- Good for users spending above £10,000 yearly
Watchouts
Cons
- £25 annual fee
- Amex is not accepted everywhere
- Cashback paid annually, not monthly
- Not ideal for low spenders
- No lounge access
- No major premium travel benefits
- Interest can wipe out rewards if balance is not paid in full
Related
Related cards
Compare
Compare Cards
| Field | Amex® Platinum Cashback Credit Card | Amex Platinum Cashback Everyday Credit Card |
|---|---|---|
| Bank/provider | American Express | American Express |
| Joining fee | £0 | £0 |
| Renewal fee | £25 per year | £0 |
| Best for | Higher-spending UK users who want stronger cashback rates than the no-fee Amex cashback card | Everyday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points |
| Reward rate |
|
|
| Cashback |
|
|
| Lounge access | No | No |
| Fuel surcharge waiver | No | No |
| Welcome benefit |
|
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| Annual fee waiver condition | No standard annual fee waiver mentioned on the official Amex cashback benefit page | Not applicable because the card has no annual fee |
| Eligibility |
|
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| Apply link | Apply | Apply |