Platinum Cashback Credit Card

Credit Card
Variable credit limit
Representative example:

Your APR Explained

As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.

Your personal APR for purchases will be 18.7% APR (variable) or 23.9% APR (variable).At least 51% of our customers receive our best purchases rate of 18.7%.

Customers accepted at either rate will receive the same level of rewards, servicing and other benefits.
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Representative 18.7% APR variable. Based on annual fee of £25 and assumed credit limit of £1200. Interest rate for purchases: 14.0% p.a. variable^*.
Annual fee
£25

Highlights

Get 5% cashback on up to £2,000 of purchases in your first 3 months of Cardmembership.¹
Double cashback (2.5%) for one month every year² if you spend more than £10,000 in your previous 12 months.
An ongoing 1.25% cashback on virtually every full pound you spend.³
Travel and shopping protection.
Manage your account online and on the go.

Reward yourself

Enjoy a generous 5% cashback on virtually everything you buy for 3 months, on up to £2,000 in purchases. The only hard part is choosing what you’re going to turn all that cashback into.

5% cashback during your first three months on up to £2,000 in purchases.
After the introductory period you’ll receive 1.25% cashback on virtually everything you buy – not just for a limited period.
2.5% cashback in the first month of every year if you spend more than £10,000 in your previous 12 months.
Complimentary Supplementary Cards for family members, generating even more cashback for your account.

Travel

Now you can take one more thing on your travels; total peace of mind, thanks to 24/7 back up from American Express.

Global Assist^® provides help when you travel outside the UK, in your own language, 24/7
Travel Accident Insurance up to £150,000 on public transport when you buy your ticket with your Card.⁴

World class service

As you might expect from us, the service is a little bit special. You can phone, text or email us and we’ll get on the case. But we’re more generous than that:

Eligible items you buy on your Card in the UK have Refund Protection. Items are covered up to 90 days and we’ll replace or refund up to a maximum of £300. Even if the retailer won't⁴
You also get Purchase Protection. If you bought it on your Card and it’s stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item⁴
Make your next night out a memorable one with American Express Invites

American Express Invites

Cardmembers can enjoy access to a wide range of sought after events, often before they go on general sale. Tell me more
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, enjoy access to some of the most in-demand music, film and theatre events in town.

Your Platinum Cashback Credit Card is accepted all over town.

Eligibility

To save time before applying for your Platinum Cashback Credit Card, it’s best to make sure you can say yes to the following.

I am aged 18 or over
I have a current UK bank or building society account
I have a permanent UK home address
I have a household income of at least £20,000
I have no history of bad debt
And if self-employed, I have been working for more than one year

If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.

View important information

Sample Terms and Conditions
Summary Box
Insurance Documentation
Sample SECCI
Your Guide to the Lending Code

Important information

Your APR Explained - As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.

Your personal APR for purchases will be 18.7% APR (variable) or 23.9% APR (variable). At least 51% of our customers receive our best purchase rate of 18.7% p.a.

Customers accepted at either rate will receive the same level of rewards, servicing and other benefits.

1. Introductory offers are not available to existing American Express Cashback customers.

2. Cashback will be payable to you by us at 1.25% on every full pound spent and charged per purchase. Cashback will be paid by crediting your account during each Card anniversary month on the expenditure that has taken place during the preceding 12 months.

3. An additional cashback of 1.25% on every full pound spend and charged per purchase made during your Card anniversary month if you have made purchases in excess of £10,001 on your Card in the preceding 12 months. Your Card anniversary month is the one month period each year following the date on which your account was opened. See Card terms and conditions for full details.

4. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques purchases, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.

5. American Express Services Europe Limited (“AESEL”) makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Details can be found on the American Express website. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card. Please read this document to understand the limits and exclusions that may apply.

American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. For insurance mediation activities only, American Express Services Europe Limited is an Appointed Representative of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Services Authority. Details can be found on the FSA Register. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Services Authority. Details can be found on the FSA Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.