American Express UK Amex® Cashback

4.2

OUR RATING
Representative APR

35.3% APR (variable)

Purchases

29.7% (variable) p.a.

Balance Transfers

29.7% (variable) p.a. (3% fee)

Account Fees

£25

Representative Example:

At an assumed credit limit of £1,200 with a purchase rate of 29.7% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 35.3% APR (variable).

4.2

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

The American Express UK Amex® Cashback credit card operates similarly to the Amex Cashback Everyday card but includes an annual fee of £25 due to earning more points per £1 spent. New cardmembers can earn a welcome bonus of 5% cashback on purchases, up to £125, during the first three months of membership.
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Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

 

Issuer American Express UK
Network American Express
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership.
Cashback/Rewards (if applicable) After your welcome bonus period (first three months), you’ll earn 0.75% cashback on spend up to £10,000. You will then receive 1.25% cashback on spend above £10,000
Account Fee £25
Purchases 29.7% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.7% (variable) p.a. (3% fee)
Balance Transfer Fee 3.00%
Cash Advances 37% (variable) p.a. (fees apply)
Minimum Credit Limit £ 700.00
Maximum Credit Limit Subject To Status

Fees & Charges

 

Account Fee £25
Late Payment £ 12
Returned Payment £ 12
Exceed Limit £ 0
Duplicate Statement £ 2
Replacement Card £ 0
Trace Fee £ 0
Cash Withdrawal Fee 3%
Cash Withdrawal Minimum Charge £ 3
Foreign Usage EU 2.99%
Foreign Usage World 2.99%

Application Requirements

 

Availability Available to new customers
Minimum Income £ 0
Minimum Age 18
Residency Permanent resident in the UK.

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34.4% Representative APR (variable)

Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.

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