Amex® Cashback Everyday Credit Card

The Amex® Cashback Everyday Credit Card provides a straightforward approach to earning cashback rewards on everyday purchases. With a generous welcome offer of 5% cashback on eligible spend (up to £125) during the first five months, the card is designed to reward those who use it for routine expenses.

After the introductory period, cardholders continue to earn cashback on all purchases, with rates adjusted based on annual spend. This structure ensures that every pound spent contributes to a growing pool of rewards.

American Express, a globally recognised financial institution, is known for its commitment to quality service and innovative financial products. The card exemplifies this ethos by combining attractive cashback incentives with a range of additional benefits, including access to exclusive American Express Offers and travel-related protections. Designed for consumers who appreciate transparency and straightforward rewards, the card avoids hidden fees and complex terms, offering a clear and competitive product in the UK market.

Benefits

The key benefits of the Amex® Cashback Everyday Credit Card include:

• Earn 5% cashback on purchases up to £125 during the first five months of cardmembership
• Receive 0.5% cashback on spend up to £10,000 and 1% on spend above £10,000 within the membership year
• No annual fee, allowing you to maximise rewards without a fixed yearly cost
• Flexible payment options, including the ability to pay off balances in full or via instalment plans
• Access to a range of American Express Offers and Experiences, providing exclusive retail and travel benefits
• Additional rewards through the invite-a-friend programme, where you can earn at least £20 bonus cashback per successful referral

Prerequisites

Applicants must meet certain requirements before applying for the Amex® Cashback Everyday Credit Card:

• Must be aged 18 or over
• Have a permanent UK home address
• Hold a current UK bank or building society account
• Possess a clean credit history with no record of bad debt
• Not have held any personal American Express Cards within the previous 24 months
  If you satisfy these criteria, you can proceed with an application that takes less than 10 minutes and may yield a decision in under 60 seconds.

About the American Express

American Express is a storied financial institution with over a century and a half of experience in the industry. Established in the mid-19th century, it has evolved into a global leader in payment and travel-related services.

The company is celebrated not only for its financial products but also for its commitment to customer service, security, and exclusive benefits. The institution’s reputation is built on innovation and trust, with a focus on delivering products that combine practicality with a premium service experience. American Express continuously updates its offerings to reflect the changing needs of its diverse customer base, ensuring that its cards and services remain relevant in a competitive market.

Who is this card for?

The Amex® Cashback Everyday Credit Card is ideally suited for consumers who seek to earn tangible rewards on everyday spending. It caters to individuals who appreciate a simple rewards structure without the burden of an annual fee. This card is perfect for those who value the flexibility of paying off balances either in full or over time, as well as for shoppers who want to benefit from exclusive offers and travel-related benefits.

The card’s design is particularly attractive for budget-conscious consumers and those who make regular purchases, as every transaction contributes towards earning cashback. Additionally, the invite-a-friend bonus provides an opportunity for existing cardholders to further enhance their rewards, making it a practical choice for those who enjoy sharing beneficial financial products with friends and family.

What rewards and programs does the card offer?

The rewards programme on the Amex® Cashback Everyday Credit Card is straightforward yet rewarding. New cardmembers benefit from a generous welcome offer that awards 5% cashback on qualifying purchases, up to a maximum bonus cashback of £125, during the first five months of cardmembership.

After this introductory period, the cashback scheme adjusts to reward ongoing spending:

• Cardholders earn 0.5% cashback on all spend up to £10,000 during the membership year
• For spend exceeding £10,000 within the same period, the cashback rate increases to 1%

Additionally, the card features an invite-a-friend programme that grants a bonus cashback of at least £20 for each approved referral, with a potential annual bonus of up to £150. These rewards are designed to be earned on every full pound spent once a minimum threshold is met, ensuring that the benefits scale with the level of expenditure.

Beyond cashback, the card offers access to carefully selected American Express Offers, which may include discounts and exclusive privileges at various retail and travel partners, as well as access to American Express Experiences for events and entertainment.

Initial credit limit

The initial credit limit for the Amex® Cashback Everyday Credit Card is determined based on the individual’s credit profile.

• Minimum credit limit: An assumed credit limit of around £1,200
• Maximum credit limit: This can vary significantly and is subject to the applicant’s creditworthiness and financial history

Typically, the credit limit is set at a level that reflects the applicant’s financial reliability and spending habits, ensuring that users have sufficient flexibility while also maintaining responsible credit management.

Step by step to apply for the card

Applying for the Amex® Cashback Everyday Credit Card is a straightforward process designed to be completed in minutes. The steps include:

1. Visit the official card page.
2. Complete the online application form with your personal details, including your name, address, employment information, and financial details.
3. Confirm that you meet the eligibility requirements, such as being aged 18 or over, having a permanent UK address, and holding a current UK bank account.
4. Submit your application and await a response, which is often provided within 60 seconds for many applicants.
5. Once approved, your card will be dispatched to your registered address, and you can then proceed to activate it following the instructions provided.

TAP TO ACCESS THE CARD PAGE

Card’s pros’ and cons’

The Amex® Cashback Everyday Credit Card offers a range of attractive features that set it apart from other cards on the market. One of its most notable advantages is the generous welcome cashback bonus, which provides an immediate boost to your rewards accumulation during the first five months of cardmembership. The ongoing cashback programme is straightforward and transparent, rewarding everyday spending without complicated tiers. Additionally, the absence of an annual fee makes the card particularly appealing to budget-conscious consumers. The flexibility to choose between paying off your balance in full or opting for instalment plans adds another layer of convenience, while the supplementary benefits such as travel insurance, purchase and refund protection, and global assist services further enhance its value.

However, there are a few aspects that may be considered drawbacks. The representative purchase rate of 30.4% APR variable is relatively high, meaning that if you carry a balance from month to month, the interest costs can quickly add up. The fees associated with instalment plans, although presented with a fixed monthly fee, may also be higher compared to other low-interest cards. Moreover, while the cashback thresholds and tiers are straightforward, individuals who do not meet the minimum spending requirement of £3,000 per membership year may not benefit fully from the rewards programme. Therefore, potential applicants should carefully assess their spending habits and financial discipline before applying for the card.

How to unlock the card?

After receiving your Amex® Cashback Everyday Credit Card in the post, the unlocking process is designed to be both secure and user-friendly. The accompanying documentation will include clear instructions on how to activate your card. Typically, you may be required to either call the customer service hotline or visit a secure online activation portal. During this process, you will need to verify your identity by providing personal details such as your name, date of birth, and possibly the card’s unique reference number. Once your identity has been confirmed, the card will be unlocked, allowing you to start using it immediately for purchases and to earn cashback rewards. It is advisable to complete this process as soon as possible to avoid any delays in accessing your credit line.

Fees and tariffs

Understanding the costs associated with the Amex® Cashback Everyday Credit Card is essential before applying. The main fees and tariffs include:

• Annual fee: £0, meaning you are not charged a fixed fee each year simply for holding the card
• Purchase rate: 30.4% APR variable, applicable to all purchases if the balance is not paid in full
• Instalment plan fee: A fixed monthly fee is charged when you opt to spread the cost of purchases of £100 or more, with no interest on the balance
• Potential late payment fees: Should you fail to meet the payment due date, additional charges may be applied

These fees highlight the importance of managing your spending and repayments carefully. It is advisable to pay off your balance in full whenever possible to avoid incurring high interest charges, and to review the terms associated with instalment plans before committing to them.

Customer service

For assistance with any queries or issues related to the Amex® Cashback Everyday Credit Card, American Express offers several official customer service channels:

Phone number: 0800 917 8047 or +44 (0)1273 696 933 if you are overseas. 
Website
Email: [email protected]
Online chat: Accessible via the official website’s support section

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