American Express UK Amex® Cashback Everyday
Editor, Credit Cards: Michelle Blackmore
Last Updated: 04/11/2024
OUR RATING
Representative APR
31.0% APR (variable)
Purchases
31.0% (variable) p.a.
Balance Transfers
31.0% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 31.0% (variable) p.a., most accepted customers get a rate of 31.0% 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
This is a simple cashback card that gives you 5% cashback on your purchases (up to £125) plus an extra £10 bonus cashback for the first five months of card membership. After 5 months, the cashback rate is between 0.5% and 1% depending on the spend. The great thing about this card is that it’s a simple reward system with absolutely no annual fee. So anything earned is a bonus.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) plus an extra £10 bonus cashback for the first five months of card membership. |
| Cashback/Rewards (if applicable) | After the introductory period, you will earn 0.50% for £1 to £10,000 of yearly spend and 1.00% after £10,001 of yearly spend (minimum yearly spend £3,000) |
| Account Fee | £0 |
| Purchases | 31.0% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 31.0% (variable) p.a. (3% fee) |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 38.3% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 700.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| 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. |
The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer