American Express: Platinum Cashback Everyday Card

Provider:American Express
Card Name:Platinum Cashback Everyday Card
Networks available:Amex
Representative example:Representative 22.9% APR variable.
Product summary:Very compelling intro offer of 5% cashback for the first 3 months. 1% cashback thereafter and no annual fee.
Platinum Cashback Everyday Card
American Express was voted a trusted provider in the latest Moneywise Consumer Opinion Survey
Rates & Fees
Introductory offers
Intro balance transfer ratena%
Intro balance transfer periodno intro offer
Intro balance transfer fee3%
Intro purchase rate0%
Intro purchase periodno intro offer
Other rates and fees
Representative APR22.9% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals27.9%
Charges and payments
Charge on overseas spending2.99%
Charge on cash withdrawals3% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Rewards & Benefits
Spending Rewards
Cashback RewardsCustomers will be eligible for a 5.00% cashback introductory bonus rate payable on purchases in the first 3 months up to £100 cashback. Minimum spend of £3,000 in a year required. Then reverts to: £0- £5,000 = 0.5% Over £5,001 = 1%
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other IncentivesRefund Protection Should any UK retailer, online or offline, refuse to refund the cardholder for any covered goods within 90 days of purchase, AMEX promise to refund them. Policy covers undamaged goods only and begins where any insurance or merchant returns policy leaves off. Up to £300 per item and £750 per card account. Certain goods excluded and policy subject to conditions of cover. Amex Offers Exclusive discounts and offers from American Express.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protectionFree purchase protection is available.
Internet fraud protectionFraud Protection Guarantee: Victims of fraud won't be held responsible for any fraudulent charges , as long as they have taken reasonable care to protect their account details and PIN. As soon as Amex is alerted to fraud, they will do all they can to resolve the matter and return the account to normal. For example, they will credit the account in full as soon as possible, and arrange a replacement Card, with a new secure card number. For added protection, cardholders should always check their statements. This can be done online with online services, where transactions can be checked daily. Or, if registered for Card Alerts, cardholders can monitor their account activity, with weekly account balance updates by email or text message.
Opening and managing the account
Application information
Minimum age18 years
Minimum income£0 per annum
Credit ratingPrime
Existing customers only-
Additional account required-
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck