Amex Cashback: Real Cashback For Every Pound You Spend

Spend smart and earn on everything—here’s why this cashback credit card is making waves among savvy UK spenders.

Choosing a credit card in the UK can feel like navigating a minefield of hidden charges and disappointing rewards. But the Amex Cashback Credit Card breaks that mould with a refreshingly transparent cashback system and practical extras that make real-world sense.

Fancy earning over £100 back just for doing your normal weekly shop and paying bills? That’s just the start. This guide walks you through how to use the card effectively, max out your cashback, and unlock its full potential.

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How to Use the Amex Cashback Credit Card Like a Pro

After your card arrives, register via the Amex app and connect it to Apple Pay or Google Pay. Start using it for essentials—food shops, council tax, phone bills, subscriptions—and let the cashback roll in.

Here’s the setup: you earn 0.75% cashback on spending up to £10,000 annually, and 1.25% on anything over that. Your cashback is credited once a year, so it pays to line up bigger spends before your anniversary date to boost the total.

Easy Hacks Most Amex Cashback Credit Card Users Don’t Know

• Stack cashback using Amex Offers + Quidco or TopCashback for double rewards.
• Join the Shop Small campaign for bonus cashback at independent retailers.
• Use Curve to pay rent or HMRC with your Amex—turn normally excluded payments into cashback.
• Buy gift cards at retailers with your card and use them during sales for extra stretch.
• Refer friends and earn £30 each—up to £150 per year with the Invite a Friend programme.

These underrated strategies can easily add hundreds of pounds to your annual cashback total.

Getting the Most Out of Your Amex Cashback Credit Card

Consistency is key—use it daily for your go-to expenses. Add supplementary cards for your partner or trusted family members, so all their spend counts toward your cashback total too.

Cross the £10,000 yearly spend mark and your cashback rate jumps to 1.25%. When combined with Amex Offers and your £125 welcome cashback (5% back in the first 3 months), the value really stacks up.

Just a heads-up: the purchase interest rate is 30.0% variable, so always pay your balance in full to avoid charges.

Other Options That Work Well with the Amex Cashback Credit Card

Looking for a fee-free alternative? The Amex Cashback Everyday Card skips the £25 fee, but offers a slightly lower cashback rate.

Prefer points to pounds? The Amex Preferred Rewards Gold Card earns Membership Rewards points that can be swapped for flights, hotels, or gift cards—and it’s free in the first year.

Travelling abroad often? As Amex isn’t always accepted worldwide, pair your cashback card with something like Chase UK or Monzo for fee-free foreign spending.

At-a-Glance Comparison Table

Who Can Apply for the Amex Cashback Credit Card?

You’re eligible if you:

• Are aged 18 or over
• Have a UK address and UK bank account
• Haven’t had another personal Amex card in the past 24 months
• Have no history of bad credit

The online application takes under 10 minutes. Amex runs a soft check first, so there’s no impact on your credit score unless you go ahead with the offer.

Step-by-Step Guide to Apply for the Amex Cashback Credit Card

1. Visit the official American Express UK site.
2. Choose the Amex Cashback Credit Card and click “Apply with Confidence.”
3. Fill in your personal and financial details.
4. Review the offer you’re pre-approved for.
5. Accept and receive your card within 5–7 working days.

Bonus: You can start using the card instantly via digital wallet before the physical card arrives.

FAQs About the Amex Cashback Credit Card (That People Rarely Ask)

1. What’s the APR on the card?

The representative APR is 35.6% variable. So unless you pay in full each month, your cashback could quickly be cancelled out by interest.

2. How does the welcome bonus actually work?

You’ll earn 5% cashback on all purchases (up to £125) within your first 3 months as a cardmember.

3. What’s Plan It™ and is it useful?

Yes—Plan It™ lets you break big purchases (£100+) into monthly instalments with a clear, fixed fee instead of interest.

4. What happens to cashback if I cancel the card?

If you cancel before your anniversary, you lose any unclaimed cashback—so time it wisely.

Final Verdict – Is the Amex Cashback Credit Card Worth It?

If you’re financially disciplined and want a reliable cashback card with genuine perks, the Amex Cashback Credit Card delivers solid value. Its combination of a generous welcome offer, tiered cashback, Amex Offers, and referral rewards make it one of the most rewarding cards available for everyday UK use.

Just remember—it’s a card for spenders, not borrowers. If you’re carrying a balance, the high APR isn’t worth it. But for regular spenders who always pay in full? This card’s a no-brainer.

Want to earn real cashback from everyday spending? The Amex® Cashback Credit Card is your perfect match.

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Amex Cashback

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