American Express Platinum CashBack Credit Card

The American Express Platinum Cashback Credit Card is a simple and practical rewards card that makes it easy to earn rewards points that you can use later. Available in the UK, the rate is, generally, 1.25% on all standard purchases, though with no annual fee you also save a little each year.

	Intro APR  APR Annual Fee  0%* 19.90%* £0.00*
Basic Information
Issuer:	American Express
Card Network:	American Express®
Card Category:	Consumer (Premium)
Card Type:	- Instant Decision Card - Reward Card
Credit Needed:	Good*
Top Card Review
With a well-designed credit card, you can not only save a good amount of money but you might also reap other significant benefits as well. The American Express Platinum Cashback Credit Card, for instance, provides both of these to financial customers in the United Kingdom. First of all, you can get a cashback bonus of up to 5% when you make purchases of £100 or more, for a limited time. Although this rate is temporary, this card still possesses a simple, functional rate of 1.25% on all purchases after the introductory period ends. This means that every little thing you do could pay out much more in the long run. You might also appreciate that there is no annual fee.
Card rating:	(4 out of 5)
Most attractive features:	- 5% Money Back - Free Cash Back rewards program - No annual fee
Least attractive features:	- No introductory offer - No bonus points
Top Rewards & Benefits
Reward Types:	- Cash Back Reward Cards - Travel Reward Cards - Universal Reward Cards
Reward Unit:	Cash
Rewards:	- 5% Cashback on spend up to £2,000 during your first 3 months - Then standard Cashback rate up to 1.25% - Cashback is paid annually into Card Account
Expiration:	None*
Yearly Limit:	None
Other Benefits:	- Zero online fraud liability - 24/7 customer service - Purchase insurance - See terms and conditions of the MoneyBack card
Online Account Access:
Top Card Finance & Rates
Introductory APR (%):	0%*
Introductory Period:	6 months*
APR on Purchases (%):	19.90%*
APR Type:	variable
Annual Fee:	£0.00*
Grace Period:	56 days*
Minimum Finance Charge:	£0.50
Minimum Credit Line:	£700
Maximum Credit Line:	£25,000
Late Payment Fee:	£8.00*
Over Limit Fee:	£8.00
Top Balance Transfers
Balance Transfer:
APR on Balance Transfer (%):	18.90%
Transfer Fee (%):	2.50%
Minimum Fee:	£5.00
Top Cash Advances
APR on Cash Advances (%):	27.90%
Cash Advance Fee (%):	2.50%
Minimum Fee:	£5.00
Top Other Fees
Additional Fees	- Cash Withdrawals fee: 3% (£3.00 minimum) - Foreign Exchange fee: 2.73% - Copy Statement: £5.00 - Copy of Transaction Record: £3.00 - A dormancy fee of £20 per year will be payable by you if the aggregate amount of all transactions, other than cash advances and balance transfers, that have taken place during the preceding 12 months is £0.
Top Comments
No cashback is payable in any month in which the minimum payment is not received by the due date. The minimum amount you need to pay us each month will be 10% of the total amount owing or £50, whichever is more. No cashback is payable on Cash Withdrawals, Interest, Fees, Balance Transfers, amounts subsequently re-credited to your account due to refunds, or expenditure in any one month exceeding the amount of your Credit Limit. No cashback is payable if you end the agreement before the relevant Card Anniversary Date or if, in the 12 months preceding your Card Anniversary Date, the aggregate amount of all transactions (other than cash advances and balance transfers) totals less than £3,000. Subject to the above a cashback of 5% will be payable to you by us on all transactions made in the first 3 months up to £100 and applied at the same time as any annual cashback. An annual cashback on the aggregate amount of all transactions (other than the exclusions stated above and any introductory offer) will be payable to you by us and calculated at the following rates, 0.5% for aggregate amounts up to £3,500; and 1% for aggregate amounts from £3,501 to £7,500; and 1.25% for aggregate amounts in excess of £7,501.
Top Action
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* The information provided for American Express Platinum CashBack Credit Card is believed to be accurate at the time of evaluation (Aug 5, 2010). We strongly advise visitors to review the terms and conditions provided to verify accuracy of the information posted prior to applying for the product.

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