American Express UK Amex® Cashback
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).
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.
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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