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What will your 5% cashback turn into?

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Rewards programme
Cashback Rewards
Spending limit
Variable
Annual fee
£25 annual fee3
Interest on purchases
Representative 18.5% APR variable.

The Card that gives the most cashback*

Be rewarded with 5% cashback in your first 3 months of Cardmembership on purchases up to £2,000. It gets even better; you can then earn 1.25% cashback on virtually everything you buy, with no limit to how much you can earn. You'll then get 2.5% cashback year after year, in the month following your Card anniversary.That's more cashback than any other card, even when you account for the £25 annual fee. Use your Card, get your cashback. It really is that simple.

Retail Protection Benefits

The Platinum Cashback Credit Card offers Purchase Protection on eligible items purchased with the Card for up to 90 days against theft or damage. With Refund Protection benefit, we'll also refund eligible items for up to 90 days after purchase with the Card, even if the UK retailer you bought it from won't4. The Platinum Cashback Credit Card also offers an online fraud guarantee for optimum security with internet purchases5.

 

Platinum Card, platinum services

Keep up to date with your Platinum Cashback Credit Card Account. You get online Account management, 24-hour global support lines and emergency Card replacement services.

Earn cashback with family and friends

With complimentary Platinum Cashback Credit Cards, you can combine your cashback and share the benefits with the whole family.

Annual Fee £25

Spend just £85 a week for 3 months and you will earn over £25 cashback, easily covering the fee. And after 3 months, you still receive the same market-leading** ongoing cashback rate with no limit on what you can earn. Plus the opportunity for DOUBLE cashback in your anniversary month.

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You won’t find a better cashback card

The Platinum Cashback Credit Card is the UK's leading cashback Card. It rewards you with a generous 5% cashback on up to £2,000 of purchases in the first 3 months of Cardmembership.

After you’ve spent £2,000 in your first 3 months, here’s how it works:

  • Enjoy 1.25% cashback on virtually everything you buy – not just for a limited period, but time after time
  • Enjoy 2.5% cashback every year in the month following your Card anniversary

So virtually every time you use your Card instead of cash or other cards, you'll be earning cashback. It should quickly cover the cost of your annual fee. What's more, there no limit to how much you can earn. The only hard part is choosing what you're going to turn all that cashback into.

How to get more cashback, more quickly.

It's easy. Just request a Supplementary Card (they're complimentary) and give it to a family member to use. Any spend on their Supplementary Card will count towards your total, giving you even more cashback.

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Are there more special perks?

As well as earning cashback, the things you buy with your Platinum Cashback Credit Card are protected.

Refund Protection covers eligible items you buy with your Card from a UK retailer, online or from a shop. We'll refund up to a maximum of £200, even if the retailer won't. And you never need to worry if you're unsure about a purchase. With the Platinum Cashback Credit Card you can change your mind and still get a full refund 90 days after you bought it 4.

The Platinum Cashback Credit Card also offers Purchase Protection: if any eligible items you buy using your Card are stolen or damaged within 90 days of the date of purchase, they will be replaced, repaired or refunded up to a maximum of £2,500 4.

And with the Travel Accident benefit, when you buy a public transport ticket with your Card, you will also be eligible for up to £150,000 in coverage should there be an accident 4.

The Platinum Cashback Credit Card confidence guarantee also extends online. Any payments made over the internet using your Card are covered by our Online Fraud Guarantee. Should there be any unauthorised charges to your Account, you won't be liable for them. And with our fraud detection and secure information encryption technologies, you've got the kind of protection that makes online fraud a good deal less likely.

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Entertainment the way you like it

Get up close and personal with Preferred Seating from American Express. Enjoy access to some of the best seats in the house and make your next night out even more memorable.

Available to all Cardmembers, Preferred Seating gets you some of the best seats for music, theatre and film events. You can also get priority access to some of the hottest shows during our exclusive presales - so you can snap up tickets before they go on general sale.

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Who should apply?

To apply online for the Platinum Cashback Credit Card, you will need to confirm the following information:

  • 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 I am self-employed, my company must have been trading for more than one year

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How can you keep tabs on your account?

The Platinum Cashback Credit Card lets you manage your Account online, with tools and services that help you stay on top of your finances.

Stay organised

Using online tools you can view all your recent transactions, schedule payments, set up email or text message reminders for payments, and keep tabs on your cashback rewards.

Bank anywhere

You can access your Platinum Cashback Credit Card Account remotely from a mobile phone, laptop or desktop computer with our suite of user-friendly tools and resources.

Get help 24/7

If you have any queries regarding your Account just call our 24/7 global customer support hotline at any time.

Please read important information below

Read Terms & Conditions
Read Summary Box
Read Insurance Documentation
Read Standard European Consumer Credit Information and Additional Explanations
Your Guide to the Lending Code

Important information

**As of 3 January 2012 the American Express Platinum Cashback Credit Card offered the highest total cashback across all purchases over a full 2 year period. Based on the total cashback earned over 2 years (after annual fees have been deducted) on a monthly spend of £750; including an introductory bonus of 5% in the first 3 months of Cardmembership and a flat ongoing rate of 1.25% on all purchases (calculated using the ONS Family Spending 2011 Edition household expenditures by category).

*As of 3 January 2012 the American Express Platinum Cashback Credit Card offers the highest ongoing and uncapped Cashback rate available across virtually all purchases, regardless of spend level. This does not include: additional Cashback offered only on selected categories e.g. petrol or supermarket; introductory bonus Cashback rates offered for a limited period only; or tiered Cashback rates over an annual spend of £10,000.

†American Express may vary the %APR, interest rates and other charges from time to time. The minimum amount you must pay us each month will be the greater of £25 (or the total amount owing if less) or the sum of: 2% of the principal amount owing; interest; default fees; repayment protection insurance, overlimit and overdue amounts and 1/12th of any annual fees or the full monthly fee (if applicable to the product you hold). You may pay off your balance in full at any time. The standard interest rate for goods and services is a representative 18.5% APR variable. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).

1. Cashback is earned on every full pound spent per purchase. Amounts eligible for cashback will be rounded down per purchase to the nearest full pound. An annual cashback on the aggregate amount of all purchases will be payable to you by us at the following rate: a) 1.25% on the aggregate amount of all purchases b) An additional cashback of 1.25% on the aggregate amount of all purchases made during your card anniversary month will be payable to you by us if you have made purchases in excess of £10,001 on your card in the preceding 12 months.

Cashback will be paid by us during each card anniversary month on the expenditure that has taken place during the preceding 12 months. Your card anniversary month is the one month period each year following the date on which your account was opened (for example, if your account was opened on 10 January, your card anniversary month will run from 11 January to 10 February each year). Cashback amounts will be rounded down to the nearest full pence. The total amount of expenditure which is eligible for cashback in any one month is limited to the amount of the credit limit. Payment of your cashback balance will be made by crediting your account.

2. Payments must be made monthly. The minimum amount you must pay us each month will be the greater of £25 (or the total amount owing if less) or the sum of: 2% of the principal amount owing; interest; default fees; repayment protection insurance, overdue amounts and 1/12th of any annual fees or the full monthly fee (if applicable to the product you hold). The principal amount owing means the total amount owing less interest, repayment protection insurance, annual/monthly fee amounts, and default fees. Default fees include over limit fees, late payment fees and dishonoured payment fees. Payment must be received by us within 25 days of the date of the statement we will send to you.

3. A card membership annual fee of £25 is payable annually at the beginning of each membership year.

4. 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. 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.

5. When you use your Card online you will not be held responsible for unauthorised credit card charges.

American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Services 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.

Written details available on request. Applicants must be 18 years old or over. Approval subject to status and terms and conditions apply. The Platinum Cashback Credit Card is offered by American Express Services Europe Limited. Registered in England and Wales with Number 1833139 and authorised by the Financial Services Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.