The American Express Cashback Everyday credit card is a strong option for those starting on their credit journey in the UK. It offers 0.5% to 1% cashback on most everyday purchases and comes with no annual fee. Although the specific interest rate and credit limit depend on individual circumstances, it’s designed to appeal to regular spenders seeking rewards without monthly or yearly costs. Applicants can qualify for basic rewards while building a credit record, with the added reassurance of Amex’s customer service.

How to Apply: Step-by-Step

1. Check your eligibility using a soft search tool to avoid damaging your credit report.
2. Gather personal details, including income and address history.
3. Submit your application online through the provider.
4. Wait for an approval decision, which is often instant.
5. Once approved, activate your card and use it responsibly to build your score.

Advantages of the Amex Cashback Everyday Card

The primary benefit is the competitive cashback of up to 1% on your everyday spending. Also, the lack of annual fee makes it ideal for beginners or those who don’t want ongoing costs. The card supports building your credit record if used responsibly each month.

Additionally, you receive excellent customer service and valuable purchase protection on eligible spending, providing confidence with every transaction.

Potential Disadvantages

One important drawback is that American Express cards may not be accepted everywhere in the UK, which can limit your usage, especially in smaller shops.

Moreover, missing a payment will result in interest charges, so you need to pay your balance in full each month to avoid fees and negatively impacting your credit score.

Our Verdict

If you’re seeking a straightforward cashback card to help build your credit, the Amex Cashback Everyday stands out for its no-fee structure and flexible rewards. Just check acceptance in your area and use smartly for the best experience.