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⚖ Add to comparisonAmerican Express UK · Amex
American Express Platinum Cashback
Pay the roughly GBP 25 annual fee (as of 2026) on this version only if your spending is high enough to beat the free Everyday card. The ongoing cashback rate is stronger, so the crossover sits somewhere around GBP 10,000+ of annual spend, above which the higher rate more than covers the fee; below it, the free Everyday card wins outright. Watch for a minimum-spend condition on the cashback, and pair it with a Visa or Mastercard for shops that decline Amex. Run your own numbers against the fee using current rates on americanexpress.com/uk.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Boosted cashback during the opening three months
- ✓Up to 1.25% ongoing cashback on eligible spending
- ✓Amex Offers and Membership benefits included
- ✓Cashback paid to your statement once a year
👍 Pros
- + Among the best cashback rates for heavy spenders
- + The small fee is easy to cover with regular use
- + Amex Offers push savings higher still
👎 Cons
- – The annual fee makes it weak value for light spenders
- – Cashback arrives yearly rather than monthly
Can you get it?
- ▸UK resident, 18 or older
- ▸Registered on the electoral roll at your address
- ▸Good credit score
- ▸A minimum income condition may apply
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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