Woman making payment at café - American Express

American Express® Cashback Credit Cards


Enjoy all the benefits and convenience of an American Express Credit Card, while earning cashback.

What is a Cashback Credit Card?

A cashback credit card allows you to earn cash rewards every time you use it for eligible everyday purchases.

How do Cashback Credit Cards work?

When you make a purchase with your cashback card, you’ll receive a percentage of that transaction back as a reward, which accumulates in your account. The more you spend, the more cash you earn. For example, if your card offers 1% cashback and you spend £3,000 a year, you’ll earn £30.


However, you can only earn cashback if you pay your balance in full each month. It’s also important to check your card’s terms and conditions to understand any rules or potential limitations. For example, some cards offer higher cashback rates for specific spending categories.


Read more about cashback, how it works and its benefits


Points vs cashback


Cashback credit cards earn you cash rewards based on your spending. You can use the money earned for any purpose, whether that’s saving or paying your bills, buying groceries or treating yourself to a special purchase. Benefits are simpler and more flexible than with rewards cards, as there are no redemption restrictions.


Reward cards earn you points. You can then redeem these points to make purchases or use them for travel, hotel stays, airplane tickets and other experiences. They can be an attractive option for frequent travellers who’re looking for higher value rewards.


Find out more about rewards credit cards

Advantages of American Express® Cashback Credit Cards

Your American Express Cashback Credit Card offers multiple benefits, on top of cash rewards:


  • Enjoy competitive cashback rates on your purchases. A simple, straightforward way to earn cash rewards, with no limit on how much you can earn in a year.

  • Explore American Express® Experiences – a service that reserves some of the hottest tickets exclusively for our Cardmembers. Whether your passion is music, film, dining, or theatre, we can get you closer to the action.
  • Stay Secure. American Express Cards feature Chip and PIN technology, and all transactions are processed through our own secure system to minimise the risk of fraud – whether you’re spending at home or away.

  • Stay protected. Our early detection systems monitor potentially fraudulent activity. If you are a victim of Credit Card fraud, and you’ve taken reasonable care with your Card, our Fraud Protection Guarantee also means that you won't be held responsible for any costs linked to the fraud.

  • Protect your shopping. Refund and purchase protection also covers eligible items purchased using your Card within the last 90 days.

  • Get 24/7 customer service. Got a query? Our Customer Care Professionals and Global Assist® team are always on hand – contactable via phone, text, email or mail.

  • Use your Card abroad. Our Cashback Credit Cards are accepted all over the world, and your spend is converted as soon as we process the transaction. The American Express exchange rate is set daily. If you’re paying in US dollars, the amount will be converted directly to pounds sterling. If you’re paying in another currency, this will be converted to US dollars and then to pounds sterling.

Compare Cashback Credit Cards

New Cardmembers get 5% cashback1 up to £125 cashback for your first three months of Cardmembership.
Representative 36.7% APR variable
  • Earn up to 1.25% cashback2 if you spend over £10,001
  • Travel and shopping protection3



New Cardmembers get 5% Cashback4 up to £100 for your first three months of Cardmembership. Terms Apply. 18+, subject to status.
Representative 31.0% APR variable
  • Get accelerated cashback with no annual fee
  • Travel and shopping protection3




Frequently Asked Questions


Life With AMEX

Get up-to-date information about managing your personal finances and money-saving tips to navigate through the big moments in life.

Explore Cards by Category

No Annual Fee Cards


Get the most out of your Card with no annual fee.

Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.

Are you eligible for a no annual fee Credit Card?


To save time, use the following checklist to see if you meet our standard eligibility criteria:


I am aged 18 or over 

I have no history of bad debt

I have a permanent UK home address 

I have a current UK bank or building society account

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.


Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.

Find out if you're eligible with our Eligibility Checker

Only takes a couple of minutes to complete

Will not impact your
credit rating

Allows you to apply
with confidence

Charge & Credit Cards Explained


Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card Guides are a great place to start.


Find a type of Card to suit your needs


Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.