American Express: Platinum Cashback Credit Card
- Provider: American Express
- Card Name: Platinum Cashback Credit Card
- Networks available:
- Card type: platinum
- Issuer: American Express
Representative example: Representative 18.7% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 14.0% p.a. variable.
| Rates & Fees | |
| Introductory offers | |
| Intro balance transfer rate | na% |
| Intro balance transfer period | no intro offer |
| Intro balance transfer fee | 3% |
| Intro purchase rate | 0% |
| Intro purchase period | no intro offer |
| Other rates and fees | |
| Representative APR | 18.7% APR (Representative) |
| Interest free period | 56 days |
| Interest charged from | date of trans debit |
| Annual fee | £25 |
| Interest on cash withdrawals | 28.0% |
| Charges and payments | |
| Charge on overseas spending | 2.99% |
| Charge on cash withdrawals | 3% of withdrawal (minimum £3) |
| Charge for going over limit | £12 |
| Charge for late payment | £12 |
| Charge for returned payment | £12 |
| Rewards & Benefits | |
| Spending Rewards | |
| Cashback Rewards | Customers will also be eligible for a 5.00% cashback introductory bonus rate payable in the first 3 months on the first £2,000 worth of purchases (subject to company limit), reverts to 1.25% on purchases. If customers spend £10,000 per annum they will receive a 2.5% engagement cashback bonus on their spending in the anniversary month. This will be credited in the following month. |
| Airmiles | - |
| Points Scheme | - |
| Shopping Rewards | - |
| Charity Rewards | - |
| Other Incentives | Refund Protection Should any UK retailer, online or offline, refuse to refund the cardholder for any covered goods within 90 days of purchase, AMEX promise to refund them. Policy covers undamaged goods only and begins where any insurance or merchant returns policy leaves off. Up to £300 per item and £750 per card account. Certain goods excluded and policy subject to conditions of cover. |
| Cardholder benefits | |
| 0% on overseas purchases |  |
| Travel insurance | - |
| Warranty cover | - |
| Purchase protection | Free purchase protection is available. |
| Internet fraud protection | Fraud Protection Guarantee: Victims of fraud won't be held responsible for any fraudulent charges , as long as they have taken reasonable care to protect their account details and PIN. As soon as AMEX is alerted to fraud, they will do all they can to resolve the matter and return the account to normal. For example, they will credit the account in full as soon as possible, and arrange a replacement Card, with a new secure card number. For added protection, cardholders should always check their statements. This can be done online with online services, where transactions can be checked daily. Or, if registered for Card Alerts, cardholders can monitor their account activity, with weekly account balance updates by email or text message. |
| Opening and managing the account | |
| Application information | |
| Minimum age | 18 years |
| Minimum income | £20,000 per annum |
| Credit rating | Prime |
| Existing customers only | - |
| Additional account required | - |
| Apply online |  |
| Account services | |
| Manage online | |
| Text updates | |
| Cheque book | |
| Payment protection | |
| Apply | |
| Representative example | Representative 18.7% APR variable. Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases: 14.0% p.a. variable. |
| Go to site | Go to site |
| Product data provided by Defaqto |
