American Express is a globally recognised financial institution with over 100 million Cardmembers worldwide, repeatedly awarded for customer service and premium credit card benefits.
What you need to know about this credit card
- No annual fee, making it a free credit card option for everyday spending.
- Representative APR of 29.4% variable, in line with UK cashback credit cards.
- Assumed credit limit starts from £1,200, subject to credit assessment.
- Minimum income requirement of £15,000 per year and UK residency.
Pros
- Best cash back credit card for beginners – Earn up to 5% cashback in the first five months.
- Unlimited cashback potential – No cap on how much cashback you can earn annually.
- Cash back from a credit card – Up to 1% cashback after the introductory period.
- Credit card with benefits – Access to American Express Offers and Experiences®.
- Flexible repayments – Use Plan It™ instalments with fixed monthly fees.
Cons
- Higher APR – Not ideal for carrying a balance long term.
- Minimum annual spend required – Cashback applies after £3,000 yearly spend.
Is American Express a good bank?
Compared to the Barclaycard Rewards Credit Card, the Amex Cashback Everyday Card offers higher introductory cashback rates.
Against the NatWest Reward Credit Card, this option provides uncapped cashback rather than fixed monthly rewards.
When matched with the Santander Edge Credit Card, American Express stands out with stronger merchant offers.
Compared to the Halifax Cashback Credit Card, Amex delivers better welcome incentives for new cardholders.
Unlike the Lloyds Cashback Credit Card, this card combines cashback with premium purchase protection.
How to Apply for Your Amex® Cashback Everyday Credit Card
If you want to apply for a credit card online, earn cash back from a credit card, and use one of the best cash rewards credit cards UK, this card is worth considering.