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

On American Express UK's secure site

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Card review

American Express Cashback Everyday Credit Card

4.6 4.6 out of 5 9.2/10 DebitCue Score Verified

Earn cashback with no annual fee

Fee
No fee
Purchase APR
from 29.1%
Interest-free
56 days
Foreign fee
2.99%
Rewards
0.5% cashback on up to £10,000 annual spend; 1% on spend above £10,000. Minimum £3,000 annual spend required to earn any cashback. Introductory 5% cashback (capped at £125) for the first 5 months.
Welcome offer
5% cashback on purchases for the first 5 months, capped at £125

Our verdict

What stands out, and where it falls short.

What we like

  • 0.5% cashback on up to £10,000 annual spend; 1%…
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
  • Travel insurance included

Worth weighing

  • 2.99% foreign transaction fee
  • High interest if you carry a balance

Who It Is For

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

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Frequent international travelers

Rates and fees

As of

All amounts shown in GBP.

Card fee
No fee
Purchase APR
from 29.1%
Interest-free period
56 days
Foreign transaction fee
2.99%
Representative APR
29.1% variable
Purchase Rate
29.1% p.a. variable
Non-Sterling Transaction Fee
2.99%

Rewards and features

Rewards
0.5% cashback on up to £10,000 annual spend; 1% on spend above £10,000. Minimum £3,000 annual spend required to earn any cashback. Introductory 5% cashback (capped at £125) for the first 5 months.
Welcome offer
5% cashback on purchases for the first 5 months, capped at £125
Installments
Flexible instalment plan available (Pay It Plan It): fixed monthly fee, no interest, terms of 3, 6, or 12 months
Pay with
Apple Pay, Google Pay, Contactless
Cashback Rate
0.5% up to £10,000 spend; 1% above £10,000

Benefits and perks

Extras that come bundled with the card.

  • Refund Protection
    Refund protection for items retailers won't take back — up to £200 per claim, £750 per year
  • Travel Accident Insurance
    Up to £150,000 travel accident insurance when travel is purchased on the card
  • Amex Offers
    Targeted statement credit offers from selected retailers and brands

Eligibility

What you need before you apply.

Minimum Income
£15,000 per annum

American Express Cashback Everyday Credit Card: your questions answered

Does the American Express Cashback Everyday Credit Card have a card fee?
No - the American Express Cashback Everyday Credit Card has no card fee.
What rewards does the American Express Cashback Everyday Credit Card earn?
The American Express Cashback Everyday Credit Card earns 0.5% cashback on up to £10,000 annual spend; 1% on spend above £10,000. Minimum £3,000 annual spend required to earn any cashback. Introductory 5% cashback (capped at £125) for the first 5 months..
Does the American Express Cashback Everyday Credit Card charge foreign transaction fees?
Yes - the American Express Cashback Everyday Credit Card charges a 2.99% foreign transaction fee.
Is there an interest-free period on the American Express Cashback Everyday 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 Everyday Credit Card?
The American Express Cashback Everyday Credit Card has a purchase APR of from 29.1%.
Does the American Express Cashback Everyday Credit Card have a welcome offer?
Yes - 5% cashback on purchases for the first 5 months, capped at £125.
Can I pay in installments with the American Express Cashback Everyday Credit Card?
Yes - Flexible instalment plan available (Pay It Plan It): fixed monthly fee, no interest, terms of 3, 6, or 12 months.
Is the American Express Cashback Everyday Credit Card a credit, debit or prepaid card?
The American Express Cashback Everyday Credit Card is a credit card issued by American Express UK on the American Express network.
Does the American Express Cashback Everyday Credit Card support Apple Pay and Google Pay?
Yes - the American Express Cashback Everyday Credit Card works with both Apple Pay and Google Pay.
Where can I get the American Express Cashback Everyday Credit Card?
The American Express Cashback Everyday Credit Card is currently offered in United Kingdom.

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