American Express Cashback Credit Card review: fees, rewards, APR and perks - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

American Express UK Credit card
American Express Cashback Credit Card
Cash back
AMEX
Apply for American Express Cashback Credit Card

On American Express UK's secure site

Compare similar cards
Credit card American Express UK American Express

Card review

American Express Cashback Credit Card

4.3 4.3 out of 5 8.6/10 DebitCue Score Verified

More cashback for regular spenders

Fee
£25 GBP/yr (≈ $31)
Purchase APR
from 34.6%
Interest-free
56 days
Foreign fee
2.99%
Rewards
0.75% cashback on the first £10,000 of annual spend; 1.25% on spend above £10,000. Introductory 5% cashback (capped at £125) for the first 3 months.
Welcome offer
5% cashback on purchases for the first 3 months, capped at £125

Our verdict

What stands out, and where it falls short.

What we like

  • 0.75% cashback on the first £10,000 of annual spend;…
  • Welcome bonus
  • 56-day interest-free period
  • Travel insurance included
  • Pay in installments

Worth weighing

  • £25 GBP/yr (≈ $31) card fee
  • 2.99% foreign transaction fee
  • High interest if you carry a balance

Who It Is For

Whether the American Express Cashback Credit Card fits how you actually spend.

Pick it if you are

  • Frequent travelers
  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Light spenders who won't beat the £25 GBP/yr (≈ $31) fee
  • Frequent international travelers

Rates and fees

As of

All amounts shown in GBP.

Card fee
£25 GBP/yr (≈ $31)
Purchase APR
from 34.6%
Interest-free period
56 days
Foreign transaction fee
2.99%
Representative APR
34.6% variable (includes £25 annual fee)
Purchase Rate
29.1% p.a. variable
Non-Sterling Transaction Fee
2.99%

Rewards and features

Rewards
0.75% cashback on the first £10,000 of annual spend; 1.25% on spend above £10,000. Introductory 5% cashback (capped at £125) for the first 3 months.
Welcome offer
5% cashback on purchases for the first 3 months, capped at £125
Installments
Flexible instalment plan available (Pay It Plan It)
Pay with
Apple Pay, Google Pay, Contactless
Cashback Rate
0.75% up to £10,000; 1.25% above £10,000

Benefits and perks

Extras that come bundled with the card.

  • Refund Protection
    Up to £200 per claim, £750 per year for items retailers won't refund
  • Travel Accident Insurance
    Travel accident insurance when travel booked on the card
  • Amex Offers
    Targeted statement credit discounts at selected brands

Eligibility

What you need before you apply.

Minimum Credit Limit
£700

American Express Cashback Credit Card: your questions answered

How much does the American Express Cashback Credit Card cost?
The American Express Cashback Credit Card costs £25 GBP/yr (≈ $31).
What rewards does the American Express Cashback Credit Card earn?
The American Express Cashback Credit Card earns 0.75% cashback on the first £10,000 of annual spend; 1.25% on spend above £10,000. Introductory 5% cashback (capped at £125) for the first 3 months..
Does the American Express Cashback Credit Card charge foreign transaction fees?
Yes - the American Express Cashback Credit Card charges a 2.99% foreign transaction fee.
Is there an interest-free period on the American Express Cashback Credit Card?
Yes - up to 56 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the American Express Cashback Credit Card?
The American Express Cashback Credit Card has a purchase APR of from 34.6%.
Does the American Express Cashback Credit Card have a welcome offer?
Yes - 5% cashback on purchases for the first 3 months, capped at £125.
Can I pay in installments with the American Express Cashback Credit Card?
Yes - Flexible instalment plan available (Pay It Plan It).
Is the American Express Cashback Credit Card a credit, debit or prepaid card?
The American Express Cashback Credit Card is a credit card issued by American Express UK on the American Express network.
Does the American Express Cashback Credit Card support Apple Pay and Google Pay?
Yes - the American Express Cashback Credit Card works with both Apple Pay and Google Pay.
Where can I get the American Express Cashback Credit Card?
The American Express Cashback Credit Card is currently offered in United Kingdom.

Before you decide

Alternatives to the American Express Cashback Credit Card

Browse all cards
American Express Credit card
Blue Cash Preferred® Card from American Express
Cash back
4.3 4.3 out of 5
Best for travel insurance
Credit card American Express

Blue Cash Preferred® Card from American Express

8.6/10

Best-in-class 6% back at U.S. supermarkets for families and frequent streamers.

Cash back Pay in installments
Fee
$95 USD/yr
Interest
19.49% - 28.49%
Interest-free
-

Why we like it

  • 6% cash back at U.S. supermarkets (up to $6,000/yr,…
  • Welcome bonus
  • Travel insurance included
  • Pay in installments
Apply now On American Express's secure site View details
Credit One Bank Credit card
Credit One Bank® Premier American Express® Card
Cash back
AMEX
4.1 4.1 out of 5
Best for travel insurance
Credit card Credit One Bank - American Express

Credit One Bank® Premier American Express® Card

8.2/10

Simple unlimited cash back for fair credit on American Express

Cash back
Fee
$39 USD/yr
Interest
from 29.74%
Interest-free
-

Why we like it

  • Unlimited 1% cash back on all purchases, automatically applied…
  • Travel insurance included
Apply now On Credit One Bank's secure site View details
American Express Credit card
American Express® Green Card
Points
4.7 4.7 out of 5
Best for travel insurance
Credit card American Express

American Express® Green Card

9.4/10

Triple points on travel, transit, and dining at a mid-tier $150 annual fee.

Points No FX fee
Fee
$150 USD/yr
Interest
19.49% - 28.49%
Interest-free
-

Why we like it

  • 3x points on travel, transit, and restaurants worldwide; 1x…
  • Welcome bonus
  • No foreign transaction fees
  • Travel insurance included
Apply now On American Express's secure site View details