American Express | Platinum cashback everyday credit card

90 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.

90 reviews

3.2 out of 5 stars

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

[email protected]

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

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.


Amex British Airways Credit Card
15:46 12-02-2017
ImageSmart Money People

The website is easy to use, their text updates are very helpful, and the reward for airmiles is great.

Jamie Elliott

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

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

Best credit card offer
11:42 26-12-2016
ImageSmart Money People

The American express credit card very good for purchases.


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

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 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

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