American Express | Platinum cashback credit card

APR: 28.2% Representative
Purchase rate: 22.9%
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American Express | Platinum cashback credit card customer reviews

3.5 out of 5 from 79 reviews

AMEX Platinum Credit Card

21:35 17-01-2018

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Great cashback rewards but AMEX is still not accepted in a lot of places and contactless seems hit and miss compared to Mastercard or Visa. Good customer service.

Lee Whittaker

Good Rewards

19:38 09-06-2017

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

Lee Whittaker

Fast and efficient

16:27 30-05-2017

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The procedure was very straight forward, I made the enquiry for what I wanted and the reply came back straightaway.

Aju thomas


20:43 07-05-2017

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I use American Express mainly for my work / travel expenses . Their service is miles ahead of Any other card. They answer within seconds, are always extremely courteous and give you solutions rather than reading from a script

Paolo bafico

Best credit card company on earth

15:15 01-05-2017

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Simple and easy to understand statements; very considerate credit assessment; contactless card; amazing customer service.

kevin ezeoguine

Great service

15:42 12-04-2017

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

Vinicius lombardi

great credit card

21:15 11-02-2017

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very reliable , gives me cashback on purchases.

Denise SOOS

best cashback card

09:46 11-02-2017

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one of the few remaining cash back cards on the market,


Great service, great perks - fly first class for less

15:05 01-02-2017

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I took up a BA Amex card two years ago, and the service is great. The app makes paying the bill so easy. The customer service call team are always helpful, efficient and go out of their way to help. For example, I called from New York to say I'll be abroad and I'd like to use my card - the agent asked if I had any further travel, and on the same call updated my card for the next three foreign trips. I used my companion voucher and we flew first class with BA to Barbados for less than £500 return. Now that's a perk of spending on a credit card

Mo Watt

superb for nectar points

18:26 24-12-2016

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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


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.