Why the Amex Cashback Everyday Is Gaining Popularity in the UK

A no-fee cashback credit card with up to 1% returns — is this the best everyday spending card in the UK?

The American Express Cashback Everyday Credit Card has quietly become one of the most valuable no-annual-fee cashback credit cards available in the UK. Unlike many premium cards that require high fees or spending thresholds, this Amex offers a straightforward reward structure, reliable customer service, and strong brand trust.

But how does it really stack up against other cashback cards? And is it the right choice for UK-based spenders?

How the Amex Cashback Everyday Works

The card offers a tiered cashback system:

• 0.5% cashback on annual spending up to £10,000
• 1% cashback on spending above £10,000
• A welcome bonus of up to £10 cashback when you spend £1,000 in your first 3 months
• 0% interest on purchases for 12 months (variable APR afterwards)

All rewards are credited annually, and there’s no annual fee — making it ideal for users who want value without ongoing costs.

Key Benefits at a Glance

•  No annual fee
•  Up to 1% cashback on everyday spending
•  Amex Offers: tailored deals across travel, retail, dining
•  Strong fraud protection and customer support
•  Accepted more widely than ever in the UK

The cashback applies to almost all categories, including groceries, travel, and online purchases — though some payments (e.g. HMRC, utilities) may be excluded.

Comparison: Amex Cashback Everyday vs Competitors

Feature	Amex Cashback Everyday	Barclaycard Rewards Visa	Chase UK Cashback Card
Annual Fee	£0	£0	£0
Cashback Rate	0.5–1%	0.25% (on purchases abroad)	1% (limited time)
Intro Offer	£10 after £1,000 spend	None	£20 after £500 spend
Foreign Transaction Fees	2.99%	0%	0%
Payment Method	Amex	Visa	Mastercard

Amex wins in everyday cashback, but is weaker abroad due to foreign transaction fees. For UK spenders who stay local, it’s highly competitive.

Use Cases: Who Should Consider This Card?

This card is ideal for:

• Families and professionals spending £800–£1,500/month
• Online shoppers looking to stack Amex Offers + cashback
• Users who want rewards without paying an annual fee
• Anyone who values Amex customer experience

For example, Sophie, 34, a London-based freelancer, uses this card for groceries, Amazon, and train tickets. She earned £142 cashback last year without changing her spending habits.

Is It Worth It?

For a zero-fee cashback credit card, the Amex Cashback Everyday offers clear value — particularly if you spend over £10,000 per year. Its main downside is limited acceptance in some small UK businesses and the foreign fee, which makes it a weaker travel card.

Still, as a daily use card, especially when paired with Amex Offers, it can deliver hundreds in passive value per year.

Ready for More?

On Page 2, we’ll dive into a step-by-step usage guide, reveal secret cashback stacking hacks, compare long-term ROI, and list the top 10 FAQs about the Amex Cashback Everyday.