American Express offers two standout cashback credit cards: the Amex Cashback Credit Card and the Amex Cashback Everyday Credit Card. The Platinum Cashback Credit Card comes with a 35.0% representative APR (variable) and lets you earn up to 1.25% cashback per year, subject to spending. The Cashback Everyday Credit Card carries a 29.4% representative APR (variable) and does not charge an annual fee, making it ideal for those seeking rewards without extra cost. These cards also provide worldwide acceptance, purchase protection and secure, round-the-clock customer service, ensuring a secure and rewarding experience for users.

How to Apply – Simple Steps

• Confirm you are 18+ with a UK bank account and permanent UK address
• Choose your preferred American Express Cashback Credit Card
• Complete the online application form with your details
• Submit your application for an instant decision, subject to eligibility

Highlights – Pros

One of the key advantages is straightforward cashback on everyday spending. The cards also offer market-leading protection features, including purchase protection and fraud monitoring.

Paying your balance in full ensures you maximise your cashback rewards, making these cards excellent for responsible spenders who want hassle-free benefits and flexibility.

Considerations – Cons

Carrying a balance can incur interest, potentially reducing the value of your cashback if you do not clear your balance monthly.

The Platinum Cashback Credit Card does have an annual fee, which may not suit occasional spenders or those on tighter budgets.

Verdict

Both American Express Cashback Credit Cards score highly for rewarding spending habits, with robust security and support. If paid off in full each month, these cards can be a handy way to earn while you spend, especially for those who enjoy perks and peace of mind. Make sure to compare the two options to find the best fit for your needs and spending style.