American Express Platinum Cashback Credit Card Features & Benefits
| Feature / Benefit | Summary | Details | Rating out of 5 | ||
|---|---|---|---|---|---|
| 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 | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 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. | |||
Apply for this credit card:![]() | |||||

























