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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
Available to UK residents aged 18 and over with a minimum gross annual income of £30,000, subject to status. Introductory rate applies for 6 months from account opening on all purchases made within the first 6 months. 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% for aggregate amounts in excess of £7,501 (Refer to provider for full terms and conditions). No cashback is payable in any month in which the minimum payment is not received by the due date. The minimum amount you need to pay each month will be 10% of the total amount owing or £50, whichever is more. Benefits and services include Travel Accident Insurance. 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 and 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 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 are £12 for late payments, returned payments or if you go over your credit limit. See terms and conditions for more details.

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