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Vitality American Express® Credit Card

Earn Cashback with American Express and be rewarded with an additional cashback booster by tracking your activity with Vitality
Representative 32.9% APR variable 
Representative Example

Representative APR
22.2% APR variable
Annual fee
£0 annual Card fee
Credit Limit
Assumed credit limit of £1,200
Purchase Rate
22.2% variable for purchases
Product TermsRead summary box

Key Benefits


Earn cashback on purchases you make with your Card.


Enjoy the freedom of paying off your balance in full or over several months. Terms apply.


Enjoy carefully selected offers from our range of retail and travel partners.
Reward yourself
Earn cashback on purchases
Receive cashback when you spend on your Vitality American Express Card:
  • Receive 0.5% cashback on your first £5,000 spent on your Card
  • Receive 1% cashback on your spend above £5,000
The more purchases you make on your Card, the more cashback you could earn. As long as you spend a minimum of £3,000 in your Cardmembership year, every full £1 you spend on purchases qualifies for cashback.
Vitality cashback booster
Between 0-2% extra cashback, based on your monthly activity and how many eligible Vitality products you have.

Vitality take your month’s activity points and convert them to a booster cashback rate which is then applied in addition to your standard Amex cashback rate, on the first £1,000 of purchases per month. Each month’s Vitality cashback booster earn rate will be determined on your monthly activity points earned two months prior. You can find out if you are eligible to earn the Vitality cashback booster by logging into your Member Zone with Vitality.
Travel benefits
Travel Accident Insurance
Travel Accident Insurance up to £150,000 on public transport when you buy your ticket with your Card.
Global Assist
Global assist provides 24/7 help whenever you are travelling outside the UK.
World-class service
American Express Offers
Enjoy carefully selected offers from our range of retail and travel partners. Simply choose the offers you like, save them to your Card and then spend in line with the offer requirements.
American Express Experiences®
Enjoy access to purchase tickets to some of the most in-demand music, film and theatre events in town.
Complimentary Supplementary Cards
Earn cashback faster. Share the benefits of your Vitality American Express® Credit Card with those closest to you and earn cashback for their purchases.
Purchase and Refund Protection
Purchase and Refund Protection covers eligible items purchased using the Card.
Fraud Guarantee
If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.
Your Vitality American Express® Credit Card is accepted all over town.
To save time before you apply for your Vitality American Express® Credit Card, it’s best to make sure you can say yes to the following.
  • I am aged 18 or over
  • I have an eligible Vitality Plan. Vitality Terms and Conditions apply. Please visit the Member Zone for more information.
  • I have a permanent UK home address
  • I have a current UK bank or building society account
  • I have no history of bad debt
If you can say yes, go ahead. The application usually takes less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now
Important Information
Applicants must be 18 years old or over and approval is subject to status. Please ensure that you have read and downloaded these important documents before starting your application.
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board

Need help completing your application?
Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.

Ready to apply?

Earn Cashback with American Express and get rewarded with Vitality cashback booster when you track your activity.
*You will be directed to the Vitality Member Zone to confirm you meet the Vitality eligibility criteria required to apply.
*You will be directed to the Vitality Member Zone to confirm you meet the Vitality eligibility criteria required to apply.