American Express UK The Platinum Card
Points
American Express UK The Platinum Card
American Express UK - American Express - Credit card
4.5
4.5 out of 5
9.0/10
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Head-to-head
American Express UK The Platinum Card vs Vitality American Express Credit Card
Compare American Express UK The Platinum Card and Vitality American Express Credit Card side by side: fees, rewards, APR, and perks.
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Vitality American Express Credit Card
Cash back
Vitality American Express Credit Card
American Express UK - American Express - Credit card
4.7
4.7 out of 5
9.4/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | American Express UK The Platinum Card | Vitality American Express Credit Card |
|---|---|---|
| Card fee | £650 GBP/yr (≈ $810) | No fee |
| Purchase APR (from) | 29.1% | 29.4% |
| Interest-free period | 56 days | 56 days |
| Foreign transaction fee | 0% | 2.99% |
| Rewards | 1 Membership Rewards point per £1 on all spend. Points transfer 1:1 to Avios, Virgin Points, and multiple airline and hotel partners including Hilton, Marriott, Accor, Club Eurostar, and Nectar. | 0.5% cashback on first £10,000 annual spend; 1% above £10,000. Vitality members with two eligible insurance plans and 160+ monthly activity points can earn up to 2% additional cashback on the first £1,000 monthly spend. Minimum £3,000 annual spend required. £4.75/month Vitality programme fee applies. |
| Installments | Flexible instalment plan available | Flexible instalment plan available |
| 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 UK The Platinum Card if its checked rows above line up with how you spend most.
- Choose the Vitality American Express Credit Card 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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