American Express Platinum Cashback Credit Card

Up to 5% MoneyBack for the first three months, than up to 1.5% thereafter, and free Purchase Protection means that almost everything you buy on the Card is insured against accidental damage and theft for up to 90 days from purchase. You require a regular source of household income of over £20,000 to apply for this card. Typical 18.9% APR (variable).

American Express Platinum Cashback Credit Card Details

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Provided By American Express

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American Express Platinum Cashback Credit Card Features & Benefits

(currently displaying summary information only)

Feature / Benefit	Summary	Details
Card Details:
Instant Online Decision	yes	An instant online decision is available to applicants.
Application Criteria:
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£30,000	A minimum income of £30000 is required on this product.
Standard Rates:
Typical APR	19.9%	The typical APR is 19.9% p.a.
Cash Advance Rate	27.9%	The annual interest rate for cash advances is 27.9%.
Benefits:
Cashback & Rewards Credit Card	yes	yes
Cashback Reward	yes	5% will be payable on all transactions made in the first 3 months (to a maximum of £100) and applied at the same time as any annual rebate. Minimum...expand 5% will be payable on all transactions made in the first 3 months (to a maximum of £100) and applied at the same time as any annual rebate. Minimum £3,000 spend required in 12 months preceeding anniversary date. An annual rebate on the aggregate amount of all transactions will be payable according to the following rates: 0.5% for aggregate amounts up to £3,500 1% for aggregate amounts from £3,501 to £7,500 1.25% for aggregate amounts in excess of £7,501. For example if you spend £1,000 each month for one year: You would earn 5% introductory cashback on the first £2,000 of your spend. You would then earn 0.5% cashback on the next £1,500 spend. You would then earn 1% cashback on the next £4,000 spend. You would earn 1.25% cashback on your final £4,500 of spend in the year.collapse
Standard Cashback Rate	0.5%	5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum...expand 5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum £3,000 spend required in 12 months preceeding anniversary date. An annual rebate on the aggregate amount of all transactions will be payable according to the following rates: 0.5% for aggregate amounts up to £3,500 1% for aggregate amounts from £3,501 to £7,500 1.25% for aggregate amounts in excess of £7,501. For example if you spend £1,000 each month for one year: You would earn 5% introductory cashback on the first £2,000 of your spend. You would then earn 0.5% cashback on the next £1,500 spend. You would then earn 1% cashback on the next £4,000 spend. You would earn 1.5% cashback on your final £4,500 of spend in the year.collapse
Maximum Cashback Rate	5%	5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum...expand 5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum £3,000 spend required in 12 months preceeding anniversary date. An annual rebate on the aggregate amount of all transactions will be payable according to the following rates: 0.5% for aggregate amounts up to £3,500 1% for aggregate amounts from £3,501 to £7,500 1.25% for aggregate amounts in excess of £7,501. For example if you spend £1,000 each month for one year: You would earn 5% introductory cashback on the first £2,000 of your spend. You would then earn 0.5% cashback on the next £1,500 spend. You would then earn 1% cashback on the next £4,000 spend. You would earn 1.5% cashback on your final £4,500 of spend in the year.collapse
Introductory Cashback Offer	yes	5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum...expand 5% will be payable on all transactions made in the first 3 months (to a of maximum £100) and applied at the same time as any annual rebate. Minimum £3,000 spend required in 12 months preceeding anniversary date.collapse
Reward Points	no	No points scheme offered.
Air Miles	no	There is no travel reward programme available.
Shopping Rewards	no	No shopping reward program available.
Payment Protection	yes	Should the cardholder be unable to work because of an accident, illness or redundancy, Repayment Protection will ensure that the card repayments are continued....expand Should the cardholder be unable to work because of an accident, illness or redundancy, Repayment Protection will ensure that the card repayments are continued. To be eligible for the cover under Repayment Protection the cardholder must be under 65 years of age, in paid employment including self employment for 16 hours or more each week, not absent due to sickness or injury and not be aware of any impending unemployment. If they are off work for more than 30 consecutive days due to an accident, sickness or unemployment, on the 31st day, their account will be credited with 5% of the outstanding balance at the statement date before they became unfit for work or were notified of their impending unemployment. The same amount will be credited to their account for each further period of 30 days off work until their outstanding balance is cleared. In the event of death, the outstanding balance at the statement date before death will be cleared. If death was due to an accident, as well as clearing the outstanding balance, an amount equal to the outstanding balance will also be paid to the estate.collapse
Travel Insurance Cover	£150,000	Pay for public transport with the Credit Card and the cardholder will receive travel accident insurance cover up to £150,000.
Lost Luggage Cover	no	Lost luggage cover is not available.
Fees & Charges:
Annual Fee	£0	No annual fee is currently charged for the running of the Account. However, a dormancy fee of £20 a year will be charged if no purchases are made...expand No annual fee is currently charged for the running of the Account. However, a dormancy fee of £20 a year will be charged if no purchases are made in the preceeding 12 months. Balance transfers and cash advances are ineligible.collapse
Interest Free Period	56 days	Up to 56 days interest free period.
International Charges	2.99%	Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Minimum Repayment %	10%	The minimum monthly payment will be 10% of the total amount owing or £50, whichever is more plus, the entire amount of any cash withdrawal shown on the statement.
Minimum Repayment £	£50	The minimum monthly payment will be 10% of the total amount owing or £50, whichever is more plus, the entire amount of any cash withdrawal shown on the statement.
Late Payment Charge	£12	A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due.
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Feature / Benefit	Details	Rating out of 5
Application Criteria:
Existing Customers Only	no	no
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£30,000	A minimum income of £30000 is required on this product.
Credit Rating	good	Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.
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