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American Express UK Credit card
Vitality American Express Credit Card
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AMEX
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Card review

Vitality American Express Credit Card

4.7 4.7 out of 5 9.4/10 DebitCue Score Verified

Earn more cashback by staying active — exclusively for Vitality members

Fee
No fee
Purchase APR
29.4% - 45%
Interest-free
56 days
Foreign fee
2.99%
Rewards
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.
Welcome offer
£100 statement credit when spending £2,000 in the first 3 months

Our verdict

What stands out, and where it falls short.

What we like

  • 0.5% cashback on first £10,000 annual spend; 1% above…
  • Welcome bonus
  • No card fee
  • 56-day interest-free period
  • Pay in installments

Worth weighing

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

Who It Is For

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

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • 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
29.4% - 45%
Interest-free period
56 days
Foreign transaction fee
2.99%
Representative APR
45% variable (incl. £4.75/month Vitality fee); 29.4% without Vitality fee
Purchase Rate
29.4% p.a. variable
Non-Sterling Transaction Fee
2.99%

Rewards and features

Rewards
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.
Welcome offer
£100 statement credit when spending £2,000 in the first 3 months
Installments
Flexible instalment plan available
Pay with
Apple Pay, Google Pay, Contactless
Vitality Programme Fee
£4.75 per month (separate from card annual fee)

Benefits and perks

Extras that come bundled with the card.

  • Refund Protection
    Up to £200 per claim, £750 annually
  • 24/7 Global Assistance
    Emergency travel assistance available worldwide
  • Amex Experiences
    Presale access to entertainment events via American Express Experiences

Eligibility

What you need before you apply.

Eligibility Restriction
Must be an existing Vitality insurance member (health or life)

Vitality American Express Credit Card: your questions answered

Does the Vitality American Express Credit Card have a card fee?
No - the Vitality American Express Credit Card has no card fee.
What rewards does the Vitality American Express Credit Card earn?
The Vitality American Express Credit Card earns 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..
Does the Vitality American Express Credit Card charge foreign transaction fees?
Yes - the Vitality American Express Credit Card charges a 2.99% foreign transaction fee.
Is there an interest-free period on the Vitality American Express 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 Vitality American Express Credit Card?
The Vitality American Express Credit Card has a purchase APR of 29.4% - 45%.
Does the Vitality American Express Credit Card have a welcome offer?
Yes - £100 statement credit when spending £2,000 in the first 3 months.
Can I pay in installments with the Vitality American Express Credit Card?
Yes - Flexible instalment plan available.
Is the Vitality American Express Credit Card a credit, debit or prepaid card?
The Vitality American Express Credit Card is a credit card issued by American Express UK on the American Express network.
Does the Vitality American Express Credit Card support Apple Pay and Google Pay?
Yes - the Vitality American Express Credit Card works with both Apple Pay and Google Pay.
Where can I get the Vitality American Express Credit Card?
The Vitality American Express Credit Card is currently offered in United Kingdom.

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