American Express UK Amex® Cashback Everyday
Representative APR
29.7% APR (variable)
Purchases
29.7% (variable) p.a.
Balance Transfers
29.7% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., most accepted customers get a rate of 29.7% 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 Everyday credit card offers 5% cashback on purchases (up to £125) during the first five months of membership. After this introductory period, the cashback rate adjusts to between 0.5% and 1% depending on spending levels. With no annual fee, this card provides a straightforward rewards system where all cashback earned is a bonus.
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 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 | 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 | £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. |
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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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