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American Express :: Platinum Cashback
Typical APR (variable)	19.9%
Annual rates for cash withdrawals	27.90%
Cash withdrawal charge	3.00%
Cash Withdrawal minumum fee	£3.00
Minimum salary required to apply	£30,000
Maximum interest free period	56 Days
Existing card debt transfer allowed
Travel/accident insurance	Up to £150k
Purchase protection	90 days £50 to £20,000 subject to terms
Loyalty bonus/cash back	Cashback
Annual Fee	None

Notes
Balance transfers will incur a handling fee of up to 3% of the balance transferred. As long as you spend a minimum of £3,000 a year the cashback scheme offers 5% cashback for the first 3 months up to a maximum of £100. Then 0.5% for aggregate amounts up to £3,500, 1% for aggregate amounts from £3,501 to £7,500 and 1.25% on aggregate amounts in excess of £7,501 providing minimum payment is received by the due date (Refer to provider for full terms and conditions). Benefits and services include Travel Accident lnsurance. Purchase Protection Insurance. Refund Protection. Online Fraud Guarantee. Emergency Card Replacement. 24 hour Customer Service. Optional repayment protection. Account management available online. A dormancy fee of £20 per year will be payable by you if the aggregate amount of all transactions, other than cash advances & balance transfers, that have taken place during the preceding 12 months is £0. Otherwise no annual fee. Interest free period of up to 56 days for purchases if you pay your balance in full and on time. Interest on cash withdrawals will be charged on a daily basis from the date of the transaction until repaid in full. Interest on balance transfers will be charged on a daily basis from the date the transaction is debited to your account until repaid in full. For full details of how payments received are applied to your account please refer to the credit card agreement terms and conditions. Default charges - £12 for late payments, returned payments or if you go over your credit limit. See terms and conditions for more details.