The American Express Everyday Cashback Credit Card offers a superb introductory cashback rate of 5% for the first five months (up to £125 max) and then up to 1% annually, provided you spend at least £3,000 within 12 months. There is no annual fee for holding this card, and the variable representative APR stands at 29.4%. The standard credit limit is subject to status and approval, with terms applying.

How to Apply: Step by Step

• Check eligibility requirements such as minimum income and UK residency.
• Gather personal and financial details, including your annual income and current address.
• Visit the American Express website and complete the online application form.
• Submit the form for an instant decision, usually within minutes.

Top Pros

The outstanding introductory cashback of 5% makes this card one of the most attractive on the market for new cardholders. Customers also benefit from the absence of any annual fee, keeping costs down and rewards high.

American Express enjoys high satisfaction scores from UK consumers, with this card being a Which? Recommended Provider for 2026, thanks to their sterling service and customer care.

Main Cons

After the first five months, the cashback rate drops to 0.5% on up to £10,000 spend, or 1% over £10,000, which is less generous for lower spenders.

The APV is higher than some competitors at 29.4%, so it’s vital to pay off your balance in full each month to avoid paying interest on purchases.

Our Verdict

If you’re looking to earn generous cashback on everyday spending and you reliably pay off your balance monthly, the American Express Everyday Cashback Credit Card stands out. It’s especially well-suited to those who spend regularly and want to maximise cashback without annual costs. Thoughtful application and responsible use unlock its full value, making it a popular choice for savvy shoppers.