Amex Cashback Everyday Credit Card: Real Rewards for Everyday Spending

No annual fee. Earn cashback on almost everything you buy. Make every purchase feel a little more rewarding.

Everyday Spending That Pays You Back: We all have expenses that come up day after day — groceries, petrol, the morning coffee, or an unexpected birthday gift. But what if those purchases could actually earn you something in return?

With the Amex® Cashback Everyday Credit Card, that’s exactly what happens. This is a no-annual-fee credit card that turns your daily transactions into real cashback — simply by doing what you already do. Whether you’re buying the essentials or treating yourself, this card puts a little something back into your pocket.

CREDIT CARD

Amex Cashback Everyday

Annual Fee £0 Get 5% cashback

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Why Choose the Amex Cashback Everyday Credit Card?

🎁 5% Welcome Cashback for Three Months

New cardmembers get a generous 5% cashback on purchases for the first three months, up to £100. If you have larger purchases on the horizon — like travel, appliances or home upgrades — now is the perfect time to make them count.

💰 Ongoing Cashback You Can Count On

After the welcome period ends, you continue to earn cashback on your spending:

• 0.5% cashback on purchases up to £10,000 per year
• 1% cashback on anything you spend above £10,000

All you need to do is meet a minimum annual spend of £3,000 to qualify.

💷 No Annual Fee

You’ll pay £0 per year to hold this card. That means every pound of cashback you earn stays in your pocket — no strings attached.

🛍️ Spend Confidently with Purchase Protection

Items bought on your card are protected against accidental damage and theft for up to 90 days, with coverage up to £2,500 per claim. Whether it’s a new smartphone or a household item, you’re covered.

🔄 Enjoy Refund Protection When Things Go Wrong

If a retailer refuses a refund within 90 days of purchase, American Express may reimburse you up to £250 per item. It’s an added layer of reassurance for those “what if” moments.

📅 Budget Smarter with Plan It®

Need to break up a big spend? With Plan It®, you can split purchases over £100 into monthly instalments with a fixed fee — and no interest. It’s a stress-free way to manage larger purchases.

👪 Add a Supplementary Cardholder

You can add someone you trust (18 or older) to your account for free. Their spending helps you reach your cashback threshold faster, and you stay in full control.

🌍 Accepted Worldwide

Use your Amex® Cashback Everyday Credit Card confidently in the UK and abroad. American Express is recognised globally — just be aware that foreign transaction fees apply when spending outside the UK.

A Quick Look at the Benefits

Eligibility Criteria

Before applying, make sure you meet the following:

• You are 18 years or older
• You live permanently in the UK
• You have a clean credit history (no recent CCJs or defaults)
• You haven’t held a personal Amex card in the past 24 months
• You have a regular income
• You have a UK bank or building society account

How to Apply – Quick and Easy

1. Check your eligibility – Use the free tool on the Amex site (no impact on your credit score).
2. Get your documents ready – Have your income, employment, and address history details at hand.
3. Apply online – The form takes just a few minutes to complete.
4. Wait for a decision – Amex usually responds quickly with an approval or next steps.
5. Activate and spend – Once your card arrives, activate it via the Amex app or online.
6. Track your rewards – Easily monitor your cashback in real time using the app or web portal.

Frequently Asked Questions

💬 When do I get my cashback?

Cashback is calculated over 12 months and credited to your account on your card anniversary.

🌍 Can I use my card abroad?

Yes – American Express is accepted worldwide. However, foreign transaction fees do apply.

📉 What happens if I don’t spend £3,000 in a year?

If you don’t meet the annual spending threshold, you won’t earn any cashback for that year.

🛑 Which purchases are excluded from cashback?

You won’t earn cashback on balance transfers, cash withdrawals, interest, fees, or currency exchange.

Final Thoughts

If you’re looking for a credit card that keeps things simple, puts money back in your pocket, and doesn’t charge you a fee for the privilege — the Amex® Cashback Everyday Credit Card is a fantastic choice. With strong consumer protections, flexible repayment options, and real rewards, it’s ideal for everyday spenders who want more value without the fuss.

Why not let your spending work a little harder for you?

CREDIT CARD

Amex Cashback Everyday

Annual Fee £0 Get 5% cashback

APPLY NOW You will be redirected