American Express | Platinum cashback everyday credit card
27.3% Representative
Purchase rate: 22.2%
Representative Example: The standard interest rate on purchases is 22.2% p.a. (variable), so when borrowing £1,200 the Representative APR will be 27.3% (variable).
American Express | Platinum cashback everyday credit card customer reviews.
2.0 out of 5 stars
Our review of American Express | Platinum cashback everyday credit card
Platinum Cashback Everyday Credit Card holders can benefit from fairly good cashback on their spending. After the first three months in which you can earn 5% up to £100, it will either be 1% or 0.5%, depending on how much you spend on the card.
The application for the Platinum Cashback Everyday Credit Card takes less than 10 minutes to complete online, and you may be able to receive a decision straight away. As well as financial protection in the form of Refund Protection and Product Protection, you’ll also be able to get priority tickets for events and theatre shows as well as insurance if you’re travelling.
American Express have received an average OPTIOSCORE for their Platinum Cashback Everyday Credit Card which is neither outstanding, nor disappointing. It’s very difficult to find any online reviews that are specific to this particular card, however 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 this is improving over time.
Overall verdict: The Platinum Cashback Everyday Credit Card from American Express does come with good benefits that will appeal to most customers, however, the cashback rates aren’t as good as other cards, even within American Express’s offering.
Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.
Highlights
- 5% cashback up to £100 for your first 3 months
- Earn up to 1% cashback if you spend over £5,001
- 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
Fees
- Maximum APR %
- Arrangement fee: £0
- Early repayment fee: £0
- Late payment fee: £0
About American Express | Platinum cashback everyday credit card
The Platinum Cashback Everyday Credit Card from American Express has an assumed credit limit of £1,200 and a representative APR of 22.9%. If you want to apply for one of these cards you will need to meet a certain set of criteria; you will need to be UK resident be aged over 18, have a current UK bank or building society account and you need to have a good credit history.
There is no annual fee for the Platinum Cashback Everyday Credit Card, but it does come with some benefits. With this card you’re entitled to Refund Protection – this means that your items are covered for up to 90 days and American Express will refund or replace them if they are worth less than £200, even if the retailer has refused. You can also benefit from priority tickets and events for theatre productions and music.
The Platinum Cashback Everyday Credit Card also comes with a few cashback incentives. For the first three months you can receive 5% cashback up to £100 and it will decrease to 1% after this time if you spend over £5,001 – if you spend under this then you’ll receive 0.5%. You can also request a supplementary card for family members free of charge and as an American Express Cardmember you’ll also benefit from certain protection when you travel.
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
Data controller: AMERICAN EXPRESS SERVICES EUROPE LIMITED
Address: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX
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