Credit Card (UK)
Vitality American Express® Credit Card full review: cashback and travel benefits
If you want to earn cashback while enjoying good travel perks, take a look at this Vitality American Express® Credit Card review to learn how it works.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
Vitality American Express® Credit Card: up to 1% cashback plus extra benefits each month
On this Vitality American Express® Credit Card review, you will learn about a card that gives you cashback and more.
How to apply for the Vitality American Express®?
See how to apply for the Vitality American Express® Credit Card and earn cashback on purchases while enjoying travel benefits and protection.
Unquestionably, an AMEX is always a great choice. In this case, this specific card is suitable for shoppers and travelers that want cashback instead of points.
| Credit Score | Good – Excellent |
| APR | Representative 44.3% (variable) Rates & Fees |
| Annual Fee | £0 (monthly fees may apply depending on the type of policy you hold) Rates & Fees |
| Fees | Cash advance: 3% (£3 minimum) Balance and money transferFee: 3% of the amount of the transfer Copy statement fee: £2 for each additional copy Foreign usage: non-sterling transaction fee – 2.99% Late Payment: £12 Returned Payment: £12 Rates & Fees |
| Welcome bonus | £100 statement credit after spending £2,000 within three months *Terms Apply |
| Rewards | 0.5% cashback on spending of up to £10,000; 1% cashback on spending above £10,000; Extra £20 monthly (maximum) based on monthly activity and eligible Vitality products *Terms Apply |
Although the card may charge monthly fees, it will depend on the policy you hold. Then, continue reading to learn more about it.
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How does the Vitality American Express® Credit Card work?
Certainly, you are already familiar with AMEX cards and their amazing features. Today, on this Vitality American Express® Credit Card review, you will find out the details about this card that gives you cashback and something extra.
Also, this credit card suits traveler and shoppers’ needs and objectives.
In the first place, it offers a good welcome bonus of £100 as a statement credit once you spend £2,000 within three months.
In addition, you will earn the following:
- 0.5% cash back on the spending of up to £10,000;
- 1% cash back on spending above £10,000;
- And an extra £20 monthly (maximum) based on monthly activity and eligible Vitality products.
Besides, you will get some great features, including travel accident insurance, global assistance, fraud guarantee & purchase protection, and access to AMEX experiences.
However, it is important to mention that even though it doesn’t charge an annual fee, some monthly fees may apply depending on the policy you hold – ranging from £0 to £6.50.
Vitality American Express® Credit Card benefits
As shown on the Vitality American Express® Credit Card review, this card gathers valuable benefits, especially for those who want to earn cash back and travel advantages.
On the other hand, watch out for the fees!
Pros
- It offers cashback on purchases;
- It features a good welcome bonus;
- It provides great protection and assistance benefits;
- It doesn’t charge an annual fee;
- You will access AMEX offerings and experiences.
Cons
- Monthly fees may apply;
- There is a £4.75 fee for the Vitality programme.
How good does your credit score need to be?
Usually, American Express requires good creditworthiness. Also, other eligibility requirements apply. Continue reading the following post to learn all about the process.
How to apply for a Vitality American Express® Credit Card?
As can be seen on this Vitality American Express® Credit Card review, this card may be fantastic for travelers and shoppers. Check out how to apply for it, then!
How to apply for the Vitality American Express®?
See how to apply for the Vitality American Express® Credit Card and earn cashback on purchases while enjoying travel benefits and protection.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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