Make Every Pound Count with Amex Platinum Cashback, UK’s Best No Annual Fee Card
Make the most of your spending with Amex Platinum Cashback in the UK, with an initial 5% cashback, ongoing 0.5% to 1% rewards and no annual fee
Why the Amex Platinum Cashback fits UK wallets
The Amex Platinum Cashback card is a solid choice for folks in the UK wanting straightforward rewards without an annual fee. With an initial 5% cashback window and ongoing returns, it’s designed for everyday spending in pounds rather than niche travel perks.
Because it’s from American Express, you also get access to Amex Offers and Amex Experiences, which regularly add value on dining, retail and events across Britain. That local relevance makes the Amex Platinum Cashback a practical option for many British households.
Rewards, fees and essential details
Cardholders earn 5% cashback in the first five months up to £125, then 0.5% on annual spending up to £10,000 and 1% thereafter, subject to a minimum annual spend of £3,000. There is no annual fee, which keeps ongoing costs low compared with premium alternatives.
The representative APR sits higher than some low-rate cards, currently around 31.0% variable, so the Amex Platinum Cashback is best for those who pay balances in full. Acceptance is generally good but remember Amex is not accepted everywhere in the UK, so carry an alternative for small shops and certain online merchants.
How to maximise your Amex Platinum Cashback
Use the 5% introductory cashback period for planned big buys to squeeze the most value from the Amex Platinum Cashback. Timing household purchases or one-off expenses in those first five months can substantially boost your returns.
Regularly check Amex Offers in the app and combine them with the card’s baseline cashback. Meet the £3,000 annual spend threshold through recurring bills or grocery shopping to ensure you qualify for any rewards, and avoid interest by clearing the balance each month.
Apply, manage and get the most from the card
Applying for the Amex Platinum Cashback is straightforward with American Express online. Use the eligibility checker first to gauge likelihood of approval without a hard search on your credit file, then complete the application if eligible.
Manage the card through the Amex app to track spend, set up direct debits and activate Plan It for larger purchases if needed. Keeping alerts on and reviewing monthly statements helps you spot Amex Offers and ensures you protect your credit score while maximising cashback.