American Express | Platinum cashback everyday credit card

102 reviews

22.9% 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 the Representative APR will be 22.90% (variable).


American Express | Platinum cashback everyday credit card customer reviews.

102 reviews

3.3 out of 5 stars

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

Good Rewards
19:38 09-06-2017
ImageSmart Money People

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

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

Good card which gives you rewards
12:18 18-04-2017
ImageSmart Money People

I like American Express, easy to use mobile phone app to keep a look out on your balances aswell as having shop small events where you get £5 cashback when you spend £10 is a good deal, they also offer you good cashback to begin with for 3 months. When ever you phone customer services they are also very quick to answer the phone and always polite.

Matthew best

A great credit card with some great offers
14:48 12-02-2017
ImageSmart Money People

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

Lorraine Folbigg

best cashback card
09:46 11-02-2017
ImageSmart Money People

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


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

Great service, great perks - fly first class for less
15:05 01-02-2017
ImageSmart Money People

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

Great benefits - but expensive card fee
14:49 21-01-2017
ImageSmart Money People

I have an airmails card with AMEX - and the annual fee is quite high - but I do renew each year because the miles and benefits are worth it. I always have good experiences when I contact the company and you do get the feeling they are going the extra mile


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.

Written by: Alex


  • 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


  • 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


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

Apply Now