Credit Cards details

Your chosen card

To apply for this card

Go to the American Express website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative rate will be 22.9% APR (variable).

The basics

  • Representative APR 22.9%(variable)
  • Payment Network American Express
  • Balance transfer fee -

Card features

Great for
Earn 5% cashback in the first three months, up to £100 - T&C's apply
After the first 3 months, earn 0.5% cashback when you spend up to £5,000 and 1% cashback when you spend over £5,001
You're eligible to apply for this card even if you've already got an American Express credit card
But be aware that
You must spend at least £3,000 a year on the card to qualify for cashback

Is this card right for you?

To take this card you

  • Must be aged 18 or over
  • Must have a current UK bank or building society account
  • Must have a permanent UK home address
  • Cannot have a history of bad debt
  • You will not be eligible for any introductory offers if you hold or have held any other Platinum Cashback American Express Credit Cards in the past six months

Introductory interest rates

Rate Duration
Purchases - -
Cash advances - -
Balance transfers - -
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.74% 22.9%
Cash advances 2.08% 27.9%
Balance transfers - -
Cheque advances - -
Money transfers - -
Price for risk No

Fees

Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 2.99%
Foreign exchange non-EU 2.99%
Return payment £12
Copies of statements £2
Handling fee Min fee Max fee
Cash advances 3% £3 -
Cheque advances - - -
Balance transfers - - -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • The full balance if less than £25
    • OR
    • 2% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    American Express will apply payments to balances bearing the highest interest rate first and then to balances with lower interest rates in descending order. In applying this principle, American Express will first apply payments to amounts that have appeared on your statements, and then to amounts that have not yet appeared on your statements.

Credit limit

Minimum credit limit £700
Maximum credit limit -

Other features

Free purchase protection Yes
Internet fraud guarantee Yes
Rewards Cashback

How your promotional rates will change

  • The rate on purchases is 22.9%.

About American Express

Founded in 1850, today American Express is one of the world's largest card issuers. Their range of cards offers a choice of rewards to suit your lifestyle. You can earn cashback, bonus points (to redeem at your favourite retailers) and Avios on your everyday spend. Cardmembers can also enjoy benefits such as access to tickets for shows and events across the UK.

To apply for this card

Go to the American Express website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative rate will be 22.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

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