Amex Platinum Cashback Card tops UK cashback options with no annual fee

Why the Amex Platinum Cashback Card stands out

The Amex Platinum Cashback Card is one of the best cashback credit cards in the UK market, combining a strong welcome offer with no annual fee. New cardholders can earn 5% introductory cashback for the first five months (capped), then a steady 0.5% on typical annual spending up to £10,000 and 1% thereafter.

With the American Express Platinum Cashback card you get a clear value proposition: good short-term returns and useful long-term perks without the burden of a yearly charge. The card suits people who spend regularly in the UK and will meet the £3,000 minimum annual spend to qualify for rewards.

Key perks and everyday benefits

Beyond cashback, the Amex Platinum Cashback Card offers access to Amex Offers, Amex Experiences and travel accident cover, adding real UK-friendly benefits for dining, entertainment and trips. The Plan It feature also helps spread large purchases into manageable monthly payments.

Remember that acceptance varies across UK retailers, so keep a debit or Visa/Mastercard backup for some shops. Still, the American Express Platinum Cashback credit card gives strong value for those who can use Amex merchants and take advantage of targeted promotions.

How to apply and manage your card

Applying for the Amex Platinum Cashback Card is straightforward: use the online eligibility checker to get an idea of approval odds without affecting your credit score, then complete the application if you qualify. Ensure your financial details are accurate to speed up the decision process.

Once approved, manage the card with the Amex mobile app to view statements, track spend and set up direct debits in pounds. Using the app to activate Amex Offers and monitor cashback activity helps you make the most of the American Express Platinum Cashback card.

Tips to maximise cashback in the UK

Plan big purchases during the initial 5% period to fully leverage the Amex Platinum Cashback Card welcome bonus, and regularly check Amex Offers for extra rebates at UK retailers. Keep an eye on the £3,000 annual spend threshold so you don’t miss out on rewards.

Compare with other cashback credit card UK options—cards from banks like Barclaycard or retail partners may suit different habits—but for a no-annual-fee card that blends introductory rewards and steady returns, the Amex Platinum Cashback Card remains a top pick for many UK consumers.