American Express
Amex Platinum Cashback Everyday Credit Card
A no-annual-fee UK cashback credit card from American Express that rewards everyday spending. It is best for users who want simple cashback and can spend at least £3,000 per cardmembership year to qualify for cashback.
cashback, lifetime freeBest for Everyday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points.
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Highlights
Main benefits
- No annual fee
- Earn cashback on everyday purchases
- 0.5% cashback up to £10,000 annual spend
- 1% cashback above £10,000 annual spend
- Annual cashback as statement credit
- Travel and shopping protection benefits
- Good starter cashback card for UK users
- Best value if you pay the full balance every month
Fees
Fees and charges
Joining fee
£0
Renewal fee
£0
Annual fee waiver
Not applicable because the card has no annual fee.
Who can apply
Eligibility
- UK residents
- Age 18+
- Subject to status and credit approval
- Representative APR shown by Amex: 29.1% APR variable
- Assumed credit limit example: £1,200
Checklist
Documents required
- Proof of identity
- UK address details
- Income/employment details
- Bank/account details
- Amex may verify details electronically, so separate document upload may not always be required.
Process
How to apply
Apply online through the official American Express UK website. The application usually asks for personal details, UK address history, income, employment status, and financial information.
Value
Reward and cashback structure
Reward rate
Earn cashback on eligible purchases at these rates:
- 0.5% on the first £10,000 of purchases in the cardmembership year
- 1% on purchases above £10,000 in the cardmembership year
- 0.5% at UK warehouse retailers
- No cashback on balance transfers, cash advances, foreign exchange transactions, interest, fees, late payment charges, and similar excluded transactions.
Cashback
Cashback is credited to the card account once per year during the card anniversary month. To receive cashback, the cardholder must spend at least £3,000 in eligible purchases during the cardmembership year.
Good fit
Pros
- No annual fee
- Simple cashback structure
- Good for regular everyday spending
- Higher cashback after £10,000 yearly spend
- Useful shopping and travel protection
- No fixed annual cashback cap from Amex cashback card structure
Watchouts
Cons
- Requires £3,000 yearly spend to receive cashback
- Amex acceptance is lower than Visa/Mastercard in some places
- Cashback is paid annually, not monthly
- Not ideal if you carry a balance because interest can wipe out rewards
- Lower cashback than many US credit cards
- No lounge access or premium travel benefits
Related
Related cards
Compare
Compare Cards
| Field | Amex Platinum Cashback Everyday Credit Card | Amex® Platinum Cashback Credit Card |
|---|---|---|
| Bank/provider | American Express | American Express |
| Joining fee | £0 | £0 |
| Renewal fee | £0 | £25 per year |
| Best for | Everyday cashback, No annual fee users, UK users who can spend £3,000+ per year, People who prefer simple cashback instead of points | Higher-spending UK users who want stronger cashback rates than the no-fee Amex cashback card |
| Reward rate |
|
|
| Cashback |
|
|
| Lounge access | No | No |
| Fuel surcharge waiver | No | No |
| Welcome benefit |
|
|
| Annual fee waiver condition | Not applicable because the card has no annual fee | No standard annual fee waiver mentioned on the official Amex cashback benefit page |
| Eligibility |
|
|
| Apply link | Apply | Apply |