American Express | Platinum cashback credit card

APR: 28.2% Representative
Purchase rate: 22.9%
OPTIOSCORE 32.2/100 
Features: Cashback
American Express | Platinum cashback credit card customer reviews

3.7 out of 5 from 58 customer reviews

Representative Example: The standard interest rate on purchases is 22.90% p.a. (variable), so when borrowing £1,200 with an annual account fee of £25, the Representative APR will be 28.20% (variable).

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American Express | Platinum cashback credit card customer reviews

3.7 out of 5 from 58 reviews

Good Rewards

19:38 09-06-2017

via Smart Money People

American Express offer good rewards including cashback and nectar points. However, not widely accepted, especially in smaller outlets and independents.

Lee Whittaker

Excellent cash back with top service

12:23 20-04-2017

via Smart Money People

Excellent introductory rates and caring & sympathetic staff - happy to cancel my interest charge upon explanation of some very extraordinary circumstances.

Thomas Butcher

Great service

15:42 12-04-2017

via Smart Money People

great credit card they give me a very good limit more than any other company very happy with the service recommend

Vinicius lombardi

Normally a fan...

18:37 12-02-2017

via Smart Money People

Tried to cancel a card, but as I no longer have the card...was told I had to write in. When asked if I could cancel via a secure message (I still have access to my online account), I was told that wasn't possible...tried it anyway, and my request has been accepted. Asking me to write in to cancel is unacceptable in this day and age.


A great credit card with some great offers

14:48 12-02-2017

via Smart Money People

You get great offers giving you money back for spending at certain stores

Lorraine Folbigg

Signed up with Amex AviosCredit Card to use with Costco

15:08 04-01-2017

via Smart Money People

I have used Amex Credit Cards sparingly in the past, such as the Nectar Card when I shopped more for the points. They work well with promotions like these, but the only problem experienced is a lot of the smaller traders still do not accept them due to the excessive charges. However the rewards have added up nicely and use where ever accept them! The Family and I are hoping to use the saved Avios Points towards our dream Holiday in Brazil. We have about half the flight already paid for! Well worth using for the great rewards programs.

Andy Elliot

Friend with benefits

18:53 24-12-2016

via Smart Money People

Amex platinum cashback credit card means you can save while you spend and the added bonus are the many offers tailored to your account to save on a wide range of products and services.

Steve Ballard

superb for nectar points

18:26 24-12-2016

via Smart Money People

What is there not to like about the American Express Nectar credit card? Free for first 12 months. Get double nectar points with this credit card and points also with nectar card. Watch out for special sign up bonus (events at different times of year)-I signed up in October 2016 and just for spending over £2000 in 3 months will receive £200 nectar points free!!! Only slight negative is card not accepted every where-KFC/Burger king will not accept



17:14 14-11-2016

via Smart Money People

I bought something and never received it Amex gave me my money back no problems at all

Neil Molyneux

Amex is good for points

07:53 09-10-2016

via Smart Money People

Amex is good in combination with British Airways. My friend has got it and it's perfect for him cause he can book holidays for me with it...

Claudia B

Our review of American Express | Platinum cashback credit card

Our review by Alex
Written by: Alex
Consumer sentiment


American Express provide a number of attractive incentives when it comes to their Platinum Cashback Credit Card, which are perhaps there to balance out the fact that this card has one of the higher representative APRs on Choose Wisely. Customers are able to earn a fairly generous amount of cashback when they first start using the card, but after three months this capped at 1% up to a spend of £10,000.

The application for the Platinum Cashback Credit Card takes less than 10 minutes to complete online, and you’ll receive a decision almost instantly. Some of the benefits of this card such as the Refund Protection and Purchase Protection, will put your mind at ease if you are using the card, and mean that if something goes wrong with the purchase you’ll be covered.

It’s very difficult to find any online reviews that are specific to this particular card, however the reviews for the American Express brand in general are quite mixed. With a rating of ‘average’ from TrustPilot, customers are pleased with the reliability and online security, however there are customers that are dissatisfied with their customer service and that their cards aren’t accepted everywhere - although their coverage is improving over time.

Overall verdict: The Platinum Cashback Credit Card from American Express does come with some initial good rates of cashback, however, once you’ve gone past the three month introductory period the rates aren’t as good, unless you spend more on your card – which in most cases is not advisable!


  • 5% cashback up to £125 for your first 3 months
  • Earn up to 1.25% cashback if you spend over £10,001
  • Purchase protection up to £2,500
  • Refund protection up to £200
  • Travel and shopping protection
  • Priority invites and tickets to shows and events

Minimum criteria

  • You must be aged 18 or over
  • You need to have a UK bank or building society account
  • You must have a permanent UK home address
  • No history of bad credit or debt

About American Express | Platinum cashback credit card

The Platinum Cashback Credit Card from American Express has an assumed credit limit of £1,200 and a representative APR of 28.2%. To be eligible for one of these cards you will need to be a UK resident aged over 18, have a current UK bank or building society account and you need to have a good credit history. There is an annual fee of £25 for this card.

There are a number of benefits that American Express offer to their Platinum Cashback Credit Card customers, including Purchase Protection. This covers any item purchased on the card for up to 90 days and up to a maximum of £2,500. American Express also offer travel insurance on public transport when you buy your ticket with your Platinum Cashback Credit Card.

American Express provide a number of cashback incentives for this card, such as 5% cashback of up to £125 for all purchases made within the first three months of getting the card - after which you’ll be able to earn 1.25% if you spend over £10,001 on the card. You can also request a supplementary card for family members free of charge and as an American Express Cardmember you’ll be able to get access to events and tickets, often before they go on general sale.