Amex® Cashback Everyday Credit Card: Every Purchase Earns Cashback

Discover how simple it can be to turn your routine purchases into real rewards.

The Amex® Cashback Everyday Credit Card has become one of the most appealing cashback cards in the UK for consumers who want a simple, predictable and cost-effective way to earn rewards on day-to-day spending. Whether someone is managing a household, commuting daily, purchasing groceries or simply enjoying lifestyle expenses, this card turns routine transactions into long-term value — all without charging an annual fee.

Unlike premium cashback products that rely on high annual fees or complicated points systems, this card offers a clean structure centred on cashback, security and financial clarity. This makes it appealing to a broad audience, from budget-focused families to young professionals looking to build responsible spending habits.

How the Cashback Works on the Amex® Cashback Everyday Credit Card

The Amex® Cashback Everyday Credit Card offers a clear and easy-to-understand cashback structure that rewards everyday spending from the start. New Cardmembers can earn 5% cashback on purchases for the first five months, up to £125, plus an additional £10 bonus cashback, subject to terms and a minimum spend. This introductory period allows you to build cashback quickly on regular purchases.

After the welcome offer ends, cashback is earned through a tiered annual structure. You receive 0.5% cashback on spending up to £10,000, and 1% cashback on any amount spent above £10,000 during your Cardmembership year. As long as you spend at least £3,000 per year, every full £1 spent on eligible purchases counts towards cashback.

There is no annual cap on how much cashback you can earn, making the card especially appealing for higher spenders. Cashback is automatically credited to your account, and you can earn it faster by adding complimentary supplementary cards for family members or a partner. Cardmembers also benefit from American Express Offers, which provide additional savings with selected retailers and travel partners.

What Makes This Card Stand Out?

1. No Annual Fee — A Major Selling Point

Many cashback cards charge between £20–£80 annually, meaning users must spend thousands just to break even. The Platinum Cashback Everyday Card avoids this entirely. Cardmembers earn cashback without paying to participate, making the card accessible to beginners and appealing for long-term use.

2. Introductory Cashback Opportunities

Depending on the offer available when applying, new cardholders may qualify for enhanced cashback rates during the first months. This gives users a fast track to initial value and encourages responsible spending early on.

3. Purchase Protection and Amex Security

American Express is known for world-class customer service, fraud detection and dispute resolution. These protections make the card not only rewarding but also a safer payment method compared with debit cards or lesser-known credit issuers.

Advantages — More Than Just Cashback

A strong mix of lifestyle convenience, digital tools and financial protection enhances this card’s appeal.

• Year-round cashback with automatic tracking and annual crediting.
• Amex Offers, providing discount opportunities and statement credits across hundreds of UK brands.
• Access to the American Express mobile app, enabling real-time spending insights.
• Contactless and digital wallet compatibility (Apple Pay, Google Pay).
• Purchase protection, giving peace of mind for larger transactions.

These features come together to create a card that offers tangible and everyday benefits beyond its cashback headline.

Amex® Cashback Everyday Credit Card — Fees & Charges

Fee	Amount
Annual Fee	£0
Representative APR	29.4% variable
Purchase Rate	29.4% p.a. variable
Balance Transfer Fee	3%
Cash Withdrawal Fee	3% (min £3)
Foreign Transaction Fee	2.99%
Late Payment Fee	£12
Returned Payment Fee	£12

Who Is This Card Best Suited For?

This is a card designed for practical, everyday users — not luxury travellers or high-spending reward chasers. It suits:

• Families who routinely purchase groceries, school supplies and household goods
• Commuters who pay for daily transport and fuel
• Digital-first users who rely on subscriptions and e-commerce
• Students or young professionals building credit responsibly
• Budget-conscious consumers who want rewards without fees

Its simplicity makes it a strong “starter” cashback card, but also a convenient secondary card for experienced cardholders.

Eligibility Requirements

While the specific criteria may vary, American Express generally looks for:

• UK residency
• Age 18 or older
• A stable income
• A good credit history
• Responsible financial behaviour

Applicants with limited credit history may still qualify, but approval is not guaranteed.

How to Apply — Step-by-Step

1. Check eligibility online
   Use the American Express eligibility checker to estimate approval likelihood without affecting your credit score.
2. Submit your application
   Provide personal details, financial information and employment status.
3. Await verification
   Amex may perform checks on your credit file and confirm your identity.
4. Receive a decision
   Many applicants receive an instant decision, though some may require additional review.
5. Activate your card
   Once approved, activate online or through the Amex app to start earning cashback immediately.

Frequently Asked Questions

1. Does the card really have no annual fee?

Yes — cardmembers pay no yearly cost to maintain the account.

2. Do all purchases earn cashback?

Most everyday transactions qualify, though cash-like transactions typically do not.

3. How is cashback paid?

Cashback is credited annually as a statement credit.

4. Is American Express widely accepted?

Acceptance is strong in major retailers, though some small shops may prefer Visa/Mastercard.

Final Thoughts — A Practical, Rewarding and Accessible Card

The Amex® Cashback Everyday Credit Cardd delivers what many UK consumers genuinely need: simplicity, transparency and steady rewards. With no annual fee and a reliable cashback structure, it stands out as one of the most cost-effective everyday credit cards available.

For responsible users who pay in full each month, this card can become a valuable long-term financial tool.