American Express UK Vitality Credit Card
Representative APR
42.5% APR (variable)
Purchases
29.4% (variable) p.a.
Balance Transfers
29.4% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 29.4% (variable) p.a., most accepted customers get a rate of 42.5% 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 Vitality credit card is a no annual fee card featuring a cashback scheme tied to Vitality health and life insurance plans. As of 15th April 2025, cardholders can earn up to 2% cashback on credit card spending when they purchase a qualifying Vitality plan and engage in specific healthy activities. Cashback boosts are available for those with two qualifying plans, elevating them to Vitality Pink status. This offer is exclusive to the Vitality American Express® credit card.
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 | If you spend £2,000 in your first three months of Cardmembership, you will get £100 cashback. |
| Cashback/Rewards (if applicable) | Spend £0 to £10,000 and get 0.5% on purchases in the proceeding 12 months. Spend over £10,000 and get 1% cashback on purchases in the proceeding 12 months. If you become Vitality Pink by purchasing health and life insurance plans, you will benefit from a Vitality healthy cashback booster to up to 2%. So you could earn up to 3% cashback on the Card. |
| Account Fee | £0 |
| Purchases | 29.4% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 29.4% (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 who acts as a credit broker, not a lender.
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