How to Apply for your Amex® Cashback Everyday Credit Card
The Amex® Cashback Everyday Credit Card is specifically designed for individuals who wish to earn while they spend. As one of the most popular cards from American Express, this card offers a seamless way to earn cashback on daily purchases.
With user-friendly features and robust security, it appeals to those who prioritize practicality and rewards. The Amex® Cashback Everyday Credit Card is ideal for budget-conscious users who want to optimize their spending with cashback benefits and flexible account management.
Benefits of the Amex® Cashback Everyday Credit Card
The Amex® Cashback Everyday Credit Card offers a host of benefits that cater to a wide range of cardholder needs:
- Cashback rewards: Earn a percentage of cashback on qualifying purchases, allowing you to put money back into your pocket with every transaction. This is an excellent way to make daily expenses more rewarding.
- For the first five months of card membership, you can earn 5% cashback on all purchases (up to £125). After this introductory period, you can continue earning up to 1% cashback, with 0.5% cashback on spending up to £10,000 and 1% cashback on spending above £10,000. The more you spend, the more cashback you can earn, with no annual cashback limit.
- No annual fee: Unlike many rewards cards that come with significant yearly fees, the Amex® Cashback Everyday Credit Card allows cardholders to enjoy benefits without worrying about annual costs, keeping it a budget-friendly choice. You can earn cashback and enjoy all the features of the card without an extra financial burden.
- Digital account management: Manage your account efficiently with the American Express mobile app and online portal. These tools offer a streamlined way to track spending, set up alerts, view cashback earnings, and pay bills securely. With easy access to your account and purchase history, you can stay on top of your finances anytime, anywhere.
- Purchase protection and extended warranty: The card offers added security by providing coverage for eligible purchases against damage or theft for a set time and extending manufacturer warranties. Additionally, items purchased with the card are eligible for protection, giving you peace of mind with your purchases.
- Global acceptance and service: As part of American Express, this card benefits from the global network and comprehensive customer service, making it convenient to use domestically and internationally. Whether traveling abroad or shopping online, the card offers exceptional support and is accepted at millions of locations around the world.
- Flexibility in payments: Enjoy the flexibility to pay your balance in full or over several months. With Plan It™, you can split the cost of purchases over £100 into manageable monthly payments with a fixed fee, allowing you to make purchases now and pay later without interest.
- Travel benefits: Enjoy Global Assistance when traveling abroad and receive accident insurance coverage up to £150,000 on public transport when your ticket is purchased with the card. These travel-related benefits ensure you’re covered while exploring the world.
Prerequisites for the Amex® Cashback Everyday Credit Card
To apply for the Amex® Cashback Everyday Credit Card, potential applicants need to meet specific criteria:
- UK residency: Applicants must be permanent residents of the UK.
- Age requirement: Must be 18 years or older to apply, ensuring responsible use and adherence to legal credit guidelines.
- Financial details: Have a current UK bank or building society account.
- Credit check: A fair to good credit score is advised to increase approval chances. American Express reviews applicants’ credit history as part of the decision-making process.
- Income verification: Applicants should demonstrate a steady source of income to showcase their ability to manage monthly payments. Earn at least £15k per year.
About American Express (Amex)
American Express, founded in 1850, is synonymous with excellence in the financial services industry. Known for delivering high-quality and customer-focused solutions, Amex has grown into a global leader in credit and charge cards, travel, and other financial products.
The company has an expansive customer base that spans the world, driven by its reputation for exceptional service and innovation. American Express continues to set the standard for secure and user-friendly financial products, backed by robust fraud protection and cutting-edge technology.
Who is the Amex® Cashback Everyday Credit Card for?
The Amex® Cashback Everyday Credit Card is perfect for:
- Everyday shoppers: Individuals who want to earn cashback on common purchases such as groceries, dining, and utility bills.
- Cost-conscious consumers: Those who prefer a rewards card without the burden of an annual fee.
- Tech-savvy users: People who appreciate robust digital tools for managing their accounts efficiently.
- New cardholders seeking rewards: Ideal for those looking for a straightforward way to start earning cashback without complicated terms or conditions.
Step-by-step guide to applying for the Amex® Cashback Everyday Credit Card
Applying for the Amex® Cashback Everyday Credit Card is easy. Here’s how to do it:
- Visit the American Express website: Navigate to the credit card section and select the Amex® Cashback Everyday Credit Card.
- Start your application: Fill out the online application form with your personal and financial information, such as income, employment status, and contact details.
- Review eligibility requirements: Double-check that you meet all criteria, such as residency and age requirements.
- Submit your application: Ensure all information is correct before submitting your application for processing.
- Wait for approval: American Express usually responds quickly. The request should take less than 10 minutes and we can provide the fastest response yet.
- Receive and activate your card: Once approved, your card will be mailed to you. Follow the activation instructions included to start using it.
How to unlock the Amex® Cashback Everyday Credit Card
- Log into the American Express app or website: Access your account through Amex’s secure digital platforms.
- Activate your card: Navigate to the activation section and enter your card details.
- Set up a PIN: Create a PIN for added security during purchases and ATM withdrawals.
- Review card features: Familiarize yourself with the card’s features and any introductory promotions.
Positives and negatives of the Amex® Cashback Everyday Credit Card
As a cashback card, it is a useful and interesting tool. But be aware of the possible negative points as well. Check it out:
Positives:
- Earning potential: Consistent cashback on eligible purchases.
- No annual fee: A cost-effective way to enjoy a rewards card without yearly charges.
- Strong customer support: Access to American Express’s highly-rated customer service.
Negatives:
- Eligibility requirements: Applicants with lower credit scores may find it challenging to secure approval.
- High interest rate: The card has an APR of 30.7% variable for purchases, which can be considerably high compared to other cards.
Fees and tariffs
Here are the additional details about the Amex® Cashback Everyday Credit Card:
- Representative APR: The representative annual percentage rate (APR) is 30.7% variable for purchases. This represents the annual cost of credit, including interest, based on the total balance that is not paid in full on time.
- Annual fee: There is no annual fee for the card, making it an attractive option for those looking to avoid fixed yearly costs.
- Purchase rate: The variable purchase rate of 30.7% applies to purchases made with the card, which can be significant if the balance is not paid in full by the due date.
- Credit limit: The assumed credit limit is £1,200, which may vary depending on your financial profile. The credit limit is the maximum amount you can spend on the card.
These rates indicate that while the card has no annual fee, the interest rates can be high if the balance is not paid in full, and the credit limit may be a factor to consider if you plan to make large purchases with the card.
Customer service options
- Contact number: Call 0800 917 8047 for assistance.
- Online support: Access account details and support via the Amex app or website.
- Live chat and FAQs: Available on the American Express website for immediate help.
Email support: Reach out through your online account for inquiries.