American Express | Platinum cashback credit card

115 reviews

28.2% Representative

Purchase rate: 22.9%

Representative example:

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).

American Express | Platinum cashback credit card customer reviews.

115 reviews

2.7 out of 5 stars

Good Rewards
09:33 01-06-2018
ImageSmart Money People

Good rewards but not all shops take AMEX.

Lee Whittaker

A good card but not accepted everywhere
20:58 04-04-2018
ImageSmart Money People

I enjoy some cashback but it's really hit or miss whether places will accept an Amex card.

Sarah Webb

Great card with great benefits
20:55 10-02-2018
ImageSmart Money People

The Amex Platinum card is a great card with great benefits

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AMEX Platinum Credit Card
21:35 17-01-2018
ImageSmart Money People

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

Great 5% cashback on purchases
00:58 09-06-2017
ImageSmart Money People

OK so you can't use it everywhere but the Platinum Everyday Cashback card gives you a very tasty 5% return with a maximum payback of £100.

Owen Richards

The power of amex
16:16 08-05-2017
ImageSmart Money People

The power of amex is amazing but their customer service could be a bit more helpful

Alice brett

Excellent cash back with top service
12:23 20-04-2017
ImageSmart Money People

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

Thomas Butcher

Normally a fan...
18:37 12-02-2017
ImageSmart 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.


Good reward card
23:23 10-02-2017
ImageSmart Money People

Useful way to gain extra nectar points. Only downside being that no everywhere takes AMEX

Jun Mo

Flexible and very friendly
11:26 24-12-2016
ImageSmart Money People

great card cashback given, complaints are dealt with quickly and fairly, great fraud prevention instantly spotted informed me , stopped the transaction, card and issued a new card all within a day or two can't ask better than that

Chirag Patel

Our review of American Express | Platinum cashback credit card

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!

Written by: Alex


  • 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


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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.

Company information

Registration number: 1833139


Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX

FCA registration

Reference No: 661836

Trading names: American Express Services Europe Limited, American Express

Place of business: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX

Data protection registration

Registration No: Z9506659


Address: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX

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