American Express® Cashback Credit Cards
Enjoy all the benefits and convenience of an American Express Credit Card, while earning cashback.
When you make a purchase with your cashback card, you’ll receive a percentage of that transaction back as a reward, which accumulates in your account. The more you spend, the more cash you earn. For example, if your card offers 1% cashback and you spend £3,000 a year, you’ll earn £30.
However, you can only earn cashback if you pay your balance in full each month. It’s also important to check your card’s terms and conditions to understand any rules or potential limitations. For example, some cards offer higher cashback rates for specific spending categories.
Read more about cashback, how it works and its benefits
Points vs cashback
Cashback credit cards earn you cash rewards based on your spending. You can use the money earned for any purpose, whether that’s saving or paying your bills, buying groceries or treating yourself to a special purchase. Benefits are simpler and more flexible than with rewards cards, as there are no redemption restrictions.
Reward cards earn you points. You can then redeem these points to make purchases or use them for travel, hotel stays, airplane tickets and other experiences. They can be an attractive option for frequent travellers who’re looking for higher value rewards.
Your American Express Cashback Credit Card offers multiple benefits, on top of cash rewards:
- Enjoy competitive cashback rates on your purchases. A simple, straightforward way to earn cash rewards, with no limit on how much you can earn in a year.
- Explore American Express® Experiences – a service that reserves some of the hottest tickets exclusively for our Cardmembers. Whether your passion is music, film, dining, or theatre, we can get you closer to the action.
- Stay Secure. American Express Cards feature Chip and PIN technology, and all transactions are processed through our own secure system to minimise the risk of fraud – whether you’re spending at home or away.
- Stay protected. Our early detection systems monitor potentially fraudulent activity. If you are a victim of Credit Card fraud, and you’ve taken reasonable care with your Card, our Fraud Protection Guarantee also means that you won't be held responsible for any costs linked to the fraud.
- Protect your shopping. Refund and purchase protection also covers eligible items purchased using your Card within the last 90 days.
- Get 24/7 customer service. Got a query? Our Customer Care Professionals and Global Assist® team are always on hand – contactable via phone, text, email or mail.
- Use your Card abroad. Our Cashback Credit Cards are accepted all over the world, and your spend is converted as soon as we process the transaction. The American Express exchange rate is set daily. If you’re paying in US dollars, the amount will be converted directly to pounds sterling. If you’re paying in another currency, this will be converted to US dollars and then to pounds sterling.
Compare Cashback Credit Cards
- Earn up to 1.25% cashback2 if you spend over £10,001
- Travel and shopping protection3
- Get accelerated cashback with no annual fee
- Travel and shopping protection3
The Amex® Cashback Everyday Credit Card has no annual fee.Credit Card
Cashback is paid to you as a statement credit every year, around the anniversary of your Account opening.
No, Credit Card cashback isn’t taxable.
Yes. Cashback will show at the bottom your statement, in Manage Your Card Account (MYCA) and on the American Express® App.
There is no fee for cashback itself, however you should check whether your Card has any other costs, such as an annual fee.
When you make a return or refund, the cashback you earned on that purchase will be subtracted from your balance.
Yes, you can still get cashback when making contactless payments or using Apple Pay.
Life With AMEX
Get up-to-date information about managing your personal finances and money-saving tips to navigate through the big moments in life.
No Annual Fee Cards
Get the most out of your Card with no annual fee.
Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.
SOME OF OUR NO ANNUAL FEE CARDS
Premium Cards
Receive a variety of premium benefits such as airport lounge access or 2-4-1 travel vouchers on top of earning points for your everyday spend.
SOME OF OUR PREMIUM CARDS
Travel Rewards Cards
Enjoy all the benefits, convenience and security of an American Express Card when travelling, with the added bonus of earning points when you make purchases at home and abroad.
SOME OF OUR TRAVEL REWARDS CARDS
Cashback Cards
Earn cashback everyday.
American Express Cashback Credit Cards give you all the benefits and convenience of an American Express Credit Card, whist earning you cashback on your purchases.
SOME OF OUR CASHBACK CARDS
Rewards Cards
Get the most out of life.
Enjoy all the benefits, convenience and security of an American Express Card – with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for gift cards and much more.
SOME OF OUR REWARDS CARDS
No Annual Fee Cards
Get the most out of your Card with no annual fee.
Enjoy all the benefits, convenience and security of an American Express Card - with the added bonus of accumulating rewards.
SOME OF OUR NO ANNUAL FEE CARDS
I am aged 18 or over
I have no history of bad debt
I have a permanent UK home address
I have a current UK bank or building society account
Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.
Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card.
Find out if you're eligible with our Eligibility Checker
Only takes a couple of minutes to complete
Will not impact your
credit rating
Allows you to apply
with confidence
Find a type of Card to suit your needs
Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.
1. This new Cardmember offer is only available if you have not held a personal American Express Card® within the previous 24 months. If you have held a personal American Express Card within the previous 24 months, you will be entitled to all other Card benefits, excluding the welcome offer. 5% cashback on your purchases for the first three months of Cardmembership (up to £125). Cardmembership begins from Card approval. Any cashback from introductory offers will be credited to your Account in your card anniversary month. Your Card anniversary month is the one month period each year following the date on which your Account was opened. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website.
2. Cashback is calculated on the amount of the purchase and then rounded down to the nearest full pence. You will earn cashback on purchases applied to your Account at the following rate: 0.75% for the first £10,000 of purchases on your Card Account in the preceding 12 months; and 1.25% on purchases on your Card Account over £10,000 in the preceding 12 months. Cashback will be paid by crediting your Account during each Credit Card anniversary month on the expenditure that has taken place during the preceding 12 months. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out whichretailers we treat as warehouse retailers by checking the FAQ section of our website.
3. Subject to enrolment, for more information click here. Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.
4. This new Cardmember offer is only available if you have not held a personal American Express Card® within the previous 24 months. If you have held a personal American Express Card within the previous 24 months, you will be entitled to all other Card benefits, excluding the welcome offer. 5% cashback on your purchases for the first five months of Cardmembership (up to £125). Cardmembership begins from Card approval. Any cashback from introductory offers will be credited to your Account in your Card anniversary month. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website.