American Express Cashback Credit Card
Cash back
American Express Cashback Credit Card
American Express UK - American Express - Credit card
4.3
4.3 out of 5
8.6/10
Apply now
Head-to-head
American Express Cashback Credit Card vs Monzo Flex Build
Compare American Express Cashback Credit Card and Monzo Flex Build side by side: fees, rewards, APR, and perks.
Last verified
Monzo Flex Build
No rewards
Monzo Flex Build
Monzo - Mastercard - Credit card
4.3
4.3 out of 5
8.6/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | American Express Cashback Credit Card | Monzo Flex Build |
|---|---|---|
| Card fee | £25 GBP/yr (≈ $31) | No fee |
| Purchase APR (from) | 34.6% | 39% |
| Interest-free period | 56 days | - |
| Foreign transaction fee | 2.99% | 0% |
| 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. | - |
| Installments | Flexible instalment plan available (Pay It Plan It) | Pay in full each month at 0% interest; or spread payments over 1–24 months at 39% APR (variable). No early or late repayment fees. |
| No card fee | - | |
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the American Express Cashback Credit Card if its checked rows above line up with how you spend most.
- Choose the Monzo Flex Build if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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