American Express UK Amex® Cashback

4.6

OUR RATING

Representative APR

36% APR (variable)

Purchases

30.4% (variable) p.a.

Balance Transfers

30.4% (variable) p.a. (3% fee)

Account Fees

£25

Representative Example:

At an assumed credit limit of £1,200 with a purchase rate of 30.4% (variable) p.a., and a fee of £25 p.a., most accepted customers get a rate of 36% APR (variable).

4.6

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

This card works in a similar way to the Amex Cashback Everyday, yet it comes with an annual fee of £25. You can earn a welcome bonuses by getting 5% cashback on your purchases (up to £125) for the first three months of Cardmembership

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	30.4% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	30.4% (variable) p.a. (3% fee)
Balance Transfer Fee	3.00%
Cash Advances	37.7% (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%