Turn Your Steps into Savings with Vitality Amex UK, no annual fee, up to 3% cashback and £100 welcome bonus
Earn up to 3% cashback and a £100 welcome bonus with Vitality Amex UK, the no annual fee card that rewards your activity, includes travel cover and unlocks exclusive Amex Offers
Who can apply for Vitality Amex in the UK
The Vitality Amex is aimed at people who already have a qualifying Vitality insurance plan in the UK. To get the Vitality American Express card you must hold Vitality Health or Vitality Life cover, have a permanent UK address and a UK bank account, plus a decent credit history.
That membership link is key: the card is exclusive to Vitality members, so if you’re weighing up insurers it can be worth switching or joining just to access the Vitality Amex perks. The application process is straightforward and the provider runs a soft eligibility check before a formal credit decision.
Costs, APR and the no annual fee advantage
The headline benefit is clear: Vitality Amex comes with no annual fee, making it an appealing option for fee-sensitive cardholders in Britain. If you pay your balance in full each month you avoid interest entirely, which is how the card delivers real value alongside its cashback rates.
Do note the representative APR is high for carried balances, so the card suits disciplined spenders who clear their statement. For those who don’t want a yearly charge but still want rewards, the no annual fee plus up to 3% cashback makes Vitality American Express competitive in the UK market.
Cashback, welcome bonus and extra Vitality boosts
Vitality Amex offers a base cashback structure with the opportunity to boost earnings through healthy activity. Standard rates are set to reward core spending, and the card can deliver up to 3% cashback once you hit activity targets tied to your Vitality membership.
New cardholders can claim a £100 welcome bonus after meeting the minimum spend in the initial months, and monthly boosted cashback depends on your activity points. Combining the base cashback, boosted rates and the sign-up offer, Vitality American Express can quickly pay back its worth for active members.
Perks, travel cover and how to maximise rewards
Beyond cashback, Vitality Amex bundles useful benefits for UK travellers and shoppers: travel accident cover, 24/7 Global Assist while abroad, purchase protection and access to American Express Offers. These extras add meaningful value without an annual fee dragging down returns.
To maximise the Vitality Amex, sync a compatible fitness tracker, hit regular gym visits and complete health checks to increase activity points and monthly boosted cashback. Use Amex Offers, pay on time and focus spending on categories where the card returns the most cashback to make this Vitality American Express card work for your wallet.
