American Express Platinum Cashback Everyday
The Platinum Cashback Everyday card is Amex UK's no-fee cashback option, paying a flat rate on all spending with a higher introductory rate in the first few months.
Why it ranks
- No annual fee with real cashback
- Strong introductory cashback period
- Amex Offers add further value
What holds it back
- Cashback is paid annually, not monthly
- Amex acceptance narrower than Visa or Mastercard
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Platinum Cashback Everyday card is Amex UK's no-fee cashback option, paying a flat rate on all spending with a higher introductory rate in the first few months.
American Express Platinum Cashback Everyday at a glance
| Issuer | American Express UK |
| Card network | Amex |
| Annual fee | No annual fee |
| Welcome bonus | Higher cashback rate for the first three months |
| Rewards rate | Up to 5% intro then 0.5%-1% ongoing (tiered) |
| Intro APR | Not applicable |
| Regular APR | Approx. 30.7% APR representative (variable) |
| Foreign transaction fee | 2.99% on foreign currency purchases |
| Credit needed | Good credit history |
| Best for | Everyday spenders wanting fee-free cashback |
| Airport lounge access | No |
Rewards & benefits
- Introductory boosted cashback in the first three months
- Ongoing tiered cashback on all eligible spending
- No annual fee
- Access to Amex Offers for extra savings
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Minimum income requirement may apply
How to apply
Check current rates on American Express UK’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AEAmerican Express UKPlatinum Cashback EverydayNo annual fee · UK American Express Platinum Cashback EverydayEveryday spenders wanting fee-free cashback |
None | Up to 5% intro then 0.5%-1% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history | |
| 2 | AEAmerican Express UKPlatinum Cashback£25/yr · UK American Express Platinum CashbackHigher spenders who want maximum cashback |
£25/yr | Up to 5% intro then up to 1.25% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history | |
| 3 | SUSantander UKSantander All in One£36/yr · UK Santander All in One Credit CardThose wanting cashback and fee-free travel together |
£36/yr | 1% cashback on all purchases | Introductory 0% on balance transfers | 0% on foreign currency pur… | Good credit history | |
| 4 | NNatWestReward£24/yr · UK NatWest Reward Credit CardNatWest customers who want simple everyday rewards |
£24/yr | 1% at supermarkets, more with MyRewards partners | Occasional bonus Rewards promotion | Non-sterling transaction f… | Good credit history |
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