Amex Platinum Cashback Card UK No Annual Fee with 5% Intro Cashback Up to £125
Amex Platinum Cashback Card helps you bag 5% intro cashback up to £125, with no annual fee and steady rewards on everyday UK spending
Why the Amex Platinum Cashback Card makes sense in the UK
The Amex Platinum Cashback Card is a strong contender for UK travellers and everyday spenders looking for a no annual fee credit card that still delivers decent rewards. With a 5% intro cashback offer up to £125 and ongoing cashback on everyday purchases, this Amex product mixes immediate value with steady long-term returns.
Because it’s issued by American Express, cardholders also get access to Amex Offers, Plan It instalment options and travel accident cover — perks that lift the card beyond a basic cashback card. For UK residents who spend regularly on bills, shopping and travel, the Amex Platinum Cashback Card can be a practical addition to a wallet.
How the 5% intro and ongoing cashback work
New cardmembers can earn 5% cashback on purchases during the introductory period, capped at £125 — a useful boost if you time larger purchases early. After the introductory window, the card pays 0.5% cashback on annual spend up to £10,000 and 1% on the portion above £10,000 each year, so higher spenders benefit more over time.
Do note the minimum annual spend requirement of £3,000 to be eligible for cashback, which is important when calculating your effective return. The representative APR is competitive for a cashback product, but as always, pay balances in full where possible to avoid interest eating into your rewards.
Fees, eligibility and practical perks
The headline feature is the lack of an annual fee — a major draw compared with many premium cashback cards. There are no hidden monthly charges, but acceptance depends on your credit history; use the online eligibility checker to get an idea without a hard credit search.
Additional perks such as travel accident cover and Amex Experiences make the card attractive for those who like occasional leisure benefits. Plan It can help spread large purchases into manageable monthly payments, and Amex Offers frequently adds targeted discounts that boost overall cashback.
Tips to maximise cashback and how to apply
To squeeze the most from the Amex Platinum Cashback Card UK, concentrate spending during the 5% intro period and ensure you meet the £3,000 annual threshold to unlock rewards. Pair the card with regular Amex Offers and track spending via the Amex app to avoid missed opportunities.
Applying is straightforward from the Amex website: complete the eligibility check, submit the application and manage everything through the app once approved. If you want a no-annual-fee UK cashback card with a strong introductory offer and practical perks, this Amex card is well worth considering — just compare it with other UK options to be certain it fits your budget and habits.