Vitality American Express® Credit Card

Earn cashback when you make positive lifestyle choices
Representative APR: 32.9% APR variable
Vitality Members Only
Earn a £100 statement credit
when you spend £2,000 in your first three months of Cardmembership
Representative Example
Representative APR32.9% APR variable
Annual FeeNo fee (£4.75 fee for the Vitality programme)
Credit LimitAssumed credit limit of £1,200
Purchase Rate22.2% variable for purchases
Featured Benefits
American Express Cashback
There is no cap on how much American Express Cashback you can earn in a year. 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.
Receive 0.5% cashback on your first £5,000 spent on your Card
Receive 1% cashback on your spend above £5,000.
Vitality Cashback Booster
Earn up to 2% extra cashback, based on your monthly activity and how many eligible Vitality products you have.
Flexibility
Enjoy the freedom of paying off your balance in full or over several months. Terms apply.
American Express Offers
Enjoy carefully selected offers from our range of retail and travel partners.
All Benefits
Reward yourself
Earn American Express cashback on purchases
Vitality healthy cashback booster
American Express offers
Travel Benefits
Travel accident insurance
Global assist
World-class Service
American Express experiences
Complimentary Supplementary Cards
Fraud Guarantee
Eligibility
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
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.
Need help completing your application? Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.
- Read Terms and Conditions
- Read Summary Box
- Read Standard European Consumer Credit Information and Additional Explanations
- Read Insurance
- Statement of Lender and Borrower Responsibilities
- Cardmember Privacy Statement
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.
Apply and get a decision today

*You will be directed to the Vitality Member Zone to confirm you meet the Vitality eligibility criteria required to apply.
Vitality American Express Credit Card is offered by American Express Services Europe Limited
Vitality American Express Credit Card is offered by American Express Services Europe Limited