Vitality American Express UK, no annual fee and up to 3% cashback for Vitality members
Fee-free Vitality American Express for UK members, pairing up to 3% cashback and activity-based boosts with travel cover and purchase protection
About the Vitality American Express card
The Vitality American Express credit card is a fee-free option available exclusively to Vitality members in the UK, merging cashback with health-driven rewards. It positions itself as a practical everyday card for those who already use Vitality insurance and want to turn activity into tangible returns.
Cardholders benefit from a straightforward rewards structure and American Express backing, which adds layers of purchase protection and customer support. For many UK household budgets, the Vitality Amex blends useful travel cover and security with a rare no-annual-fee appeal.
Eligibility, cost and rates
Only existing Vitality members with a qualifying Vitality Health or Life policy can apply, plus you need a UK address, UK bank account and a decent credit history. There’s no annual fee, making the Vitality American Express card attractive for members who prefer low-cost credit options.
Be aware the representative APR is high for revolvers (42.4% variable), but you get up to 56 days interest-free on purchases if you clear the balance each month. Responsible use — paying in full — keeps this card both cheap and rewarding.
Cashback structure and activity boosts
The base Vitality Amex cashback is 0.5% on the first £10,000 of annual spend and 1% thereafter. Where the card really stands out is the Vitality activity-based boost: you can earn up to an extra 2% cashback per month by reaching Vitality activity targets, creating a potential total of up to 3% cashback for active members.
Monthly boosted cashback is capped on the first £1,000 of qualifying spend, so the maximum uplift from activity points is limited but meaningful for those who track steps, gym visits or health checks. Regular use of the card for everyday bills and essentials maximises returns.
Extra perks, app and tips to maximise value
Alongside cashback, the Vitality American Express credit card includes Travel Accident Insurance (cover up to £150,000), 24/7 Global Assist, purchase and refund protection and a fraud guarantee. American Express Offers add further savings on travel and retail, which UK members can stack with cashback for better value.
Use the Vitality app to monitor activity points and cashback in real time, and aim to hit monthly health targets to unlock boosts. Apply via the Vitality or Amex portals once eligibility is met, and treat the card as a disciplined payments tool — paying balances monthly keeps rewards tax-efficient and interest-free.