American Express | Platinum cashback everyday credit card

111 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.

111 reviews

3.0 out of 5 stars

16:32 02-07-2017
ImageSmart Money People

Friendly service are good. And quick

Anicia saunders

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

Fast and efficient
16:27 30-05-2017
ImageSmart Money People

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

Aju thomas

Great service
15:42 12-04-2017
ImageSmart 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

Fabulous rewards
20:42 21-03-2017
ImageSmart Money People

Amex is fabulous for their rewards! We have received loads of M&S vouchers since getting an Amex credit card...just make sure you pay it off in full each month!!

Gemma mackenzie

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

great credit card
21:15 11-02-2017
ImageSmart Money People

very reliable , gives me cashback on purchases.

Denise SOOS

Excellent credit card company
21:10 04-02-2017
ImageSmart Money People

A very easy credit card, and a fantastic online service that allows you to manage your card completely online, even to view your pin if necessary. The annual statements are also very useful.

Jessica steele

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


Friend with benefits
18:53 24-12-2016
ImageSmart 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

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