American Express 18 month 0% on Purchases Credit Card and up to 1.25% cashback
241°Expired

American Express 18 month 0% on Purchases Credit Card and up to 1.25% cashback

28
Found 2nd Sep 2014
Now Amex has 0% offer for 18 month credit card for spending with up to 1.25% cashback on all spending, I know it's not the Longest (such as Halifax 20 month 0%) but for those, like myself, who have already Halifax credit card can apply for another one such as Tesco Club card or Santander 123 (also 18month 0% on Purchases).
I've tried this and was accepted even I have another 3 credit cards from other providers, all with 0% offers of course.
you can try "Your chances of approval" from Moneysupermarket or MSE websites without affecting your credit score to see chances, mine was 60% and my application was successful, so good luck.

Remember the 'Golden Rules' of credit cards, (MSE):
- Never miss a payment, adviced to set a direct debit to pay at least the minimum payment.
- Pay in full at the end of the 0% term or transfer the balance to a 0% Balance Transfer credit card.
- Never use over your credit limit.

28 Comments

Original Poster

INTEREST RATE:
• Variable credit limit:
Representative 19.9%
APR variable.
• Based on assumed credit
limit of £1,200.
• Interest rate for purchases:
19.9% p.a. variable.

ANNUAL FEE:
• £0


SUPPLEMENTARY:
• Complimentary Supplementary
Cards to help boost your
cash back
HighlightsSpecial offer of 0% on purchases for 18 months1Get accelerated cashback with no annual fee
Travel and shopping protection
Manage your account online and on the go
Reward yourselfEnjoy cashback on virtually everything you buy, once you have spent a minimum of £3,000 in a year. The only hard part is choosing what you’re going to turn all that cashback into2:

You can earn up to 1.25% cashback, depending on how much you spend on the Card2:Spend £0 to £3,500 and receive 0.5% cashback on that spend
Spend between £3,500 and £7,500, receive 1% cashback on that spend
Spend over £7,501 and receive 1.25% cashback on that spend
As long as you spend a minimum of £3,000 in a year, almost every full pound you spend on your Card qualifies for cashback.
Complimentary Supplementary Cards for family members, generating even more cashback for your account. Subject to application and approvalTravelNow you can take one more thing on your travels; total peace of mind, thanks to 24/7 back up from American Express.

Global Assist® provides help when you travel outside the UK, in your own language, 24/7Travel Accident Insurance up to £150,000 on public transport when you buy your ticket with your Card.4World class serviceAs you might expect from us, the service is a little bit special. You can phone, text or email us and we’ll get on the case. But we’re more generous than that:

Eligible items you buy on your Card in the UK have Refund Protection. Items are covered up to 90 days and we’ll replace or refund up to a maximum of £200. Even if the retailer won't4You also get Purchase Protection. If you bought it on your Card and it’s stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item4Make your next night out a memorable one with American Express Invites
American Express InvitesCardmembers can enjoy access to a wide range of sought after events, often before they go on general sale. Tell me more
close
, enjoy access to some of the most in-demand music, film and theatre events in town.Your Platinum Cashback Everyday Credit Card is accepted all over town.

EligibilityTo save time before applying for your Platinum Cashback Everyday Credit Card, it’s best to make sure you can say yes to the following.

I am aged 18 or over
I have a current UK bank or building society account
I have a permanent UK home address
I have a household income of at least £20,000
I have no history of bad debt
And if self-employed, I have been working for more than one year
Apply now with our secure application form.

If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.

decent enough deal and Amex card holders get the occasional perks.

It's a great card, especially with all the other Amex deals that come up (examples here). Worth being aware of how the cashback rates work though....

5% cashback during your first three months on up to £2,000 in purchases. … 5% cashback during your first three months on up to £2,000 in purchases. After the first three months you’ll earn up to 1.25% cashback, depending on how much you spend on the Card:Spend £0 to £3,500 and receive 0.5% cashback on that spend. Spend between £3,500 and £7,500, receive 1% cashback on that spend. Spend over £7,501 and receive 1.25% cashback on that spend. As long as you spend a minimum of £3,000 in a year, almost every full pound you spend on your Card qualifies for cashback.



E.g. you must spend a minimum of £3k a year to get any of your cashback that's built up on spend back.

Edited by: "morgie" 2nd Sep 2014

I cannot see the 0% interest for this card in their webpage (nor the offer link)

I have the cashback £25 a year variant of this card and used it for my Christmas shopping plus everyday spending throughout the year. with the cashback one you pay for the cashback works differently and for the first £2000 or something you got 5% then 1.25 on everything thereafter. so far £265 earned so - £25 and I'm still £240 up plus their service is second to non.

just for anyone who doesn't need the balance transfer element

Original Poster

jimcat

I cannot see the 0% interest for this card in their webpage (nor the … I cannot see the 0% interest for this card in their webpage (nor the offer link)


The details are on the right side of the page in the link provided, just scrole down and read under the 'Highlights'
"Special offer of 0% on purchases for 18 months1Get accelerated cashback with no annual fee
Travel and shopping protection
Manage your account online and on the go"

Unable to find the 0% interest?!?

Expired?

Cant see the 0% either

what sort of credit limits are people getting I have 6k on a tesco cc and would like somey

[quote=kunjoosewala]what sort of credit limits are people getting I have 6k on a tesco cc and would like something similar.

have some large purchases due over the next few months and cash back would be welcome

Kenneth131

I have the cashback £25 a year variant of this card and used it for my … I have the cashback £25 a year variant of this card and used it for my Christmas shopping plus everyday spending throughout the year. with the cashback one you pay for the cashback works differently and for the first £2000 or something you got 5% then 1.25 on everything thereafter. so far £265 earned so - £25 and I'm still £240 up plus their service is second to non.just for anyone who doesn't need the balance transfer element



That's ok for the first year but not great thereafter as in order to make it more worthwhile over the regular platinum you've got to be spending in excess of £4K a year on it.

Everyday Platinum - 0.5% of a yearly £4K spend = £22.50 cashback
Platinum (£25 / yearly fee) - 1.25% of a yearly £4K spend = £50.00 - £25 yearly membership

It'll be great if you spend heavily on it. I've used the no fee Platinum for about 7 years now and I'm happy enough with their service. I've just checked the last 12 months worth of spends and I'd likely have been £5 better off with the fee based card. It's certainly a saving but it's a lot of hassle to switch cards for a fiver in my opinion.

kunjoosewala

what sort of credit limits are people getting I have 6k on a tesco cc and … what sort of credit limits are people getting I have 6k on a tesco cc and would like somey



Your initial limit wont be huge; Amex gave me about £2.5K limit to start with.

It's risen a number of times since then though and I usually manage to hit about 50% of the available limit.

I've 2 other cards but I never leave balances on them; whilst they will affect my credit scoring they don't seem to make a fat lot of odds to Amex. Provided you've a good history and no late payments you should get a reasonable starting limit.

DAZZ2000

Your initial limit wont be huge; Amex gave me about £2.5K limit to start … Your initial limit wont be huge; Amex gave me about £2.5K limit to start with. It's risen a number of times since then though and I usually manage to hit about 50% of the available limit.I've 2 other cards but I never leave balances on them; whilst they will affect my credit scoring they don't seem to make a fat lot of odds to Amex. Provided you've a good history and no late payments you should get a reasonable starting limit.



Amex gave me £6k and it's my first credit card; no real credit history (Apart from a phone contract).

Do they do balance transfers to bank accounts?

IMO if you fly a lot (at least a couple of times a year) with BA or the other one world airlines, the Avios card is much better value. 1 point per pound (so equivalent to 1% cashback), and they often have deals for half-miles flights, etc.

Would paying car finance off on this count as a purchase?

£5.25 topcashback as well on this card look here
Edited by: "sdoherty1000" 9th Sep 2014

Was looking for at least 5-6k enough to put through some large purchases. Would be clearing per month just seems a good way of racking up some free money rather than the Tesco points

Home improvement items

I've had my previous Amex Platinum Cashback card for 4 years now, typically bringing in around £120.00 cashback a year.

I didn't think I'd be able to apply for the above deal simply because I already own that card however my application has been successful. Amex are well aware of my other card as I had to declare it to apply for this one.

From my experience, they are a fantastic company. Never had any issues with them in the four years I've been a cardholder.

Good find OP! Voted hot.

Does this card give you the amex members discounts that are regularly posted on here?

sdoherty1000

Does this card give you the amex members discounts that are regularly … Does this card give you the amex members discounts that are regularly posted on here?



Should do yes - I get them on my lloyds amex card so no reason why one direct from the company shouldn't give them to you as well

This is a really good deal, but as others have said, initial credit limits are sometimes on the lower scale with Amex.

Looks like this qualifies for £25 Quidco, too, making it an even better deal.

Can't see the 0% deal expired or not

0% ***ONLY*** IF YOU GET THE CARD THROUGH MONEYSUPERMARKET

I just called amex and they confirmed that the 0% for 18 months it's only if you get the card through moneysupermarket. Also looking at it i realised the 0% interest at 18 months offer means you don't get the 5% cashback for the first 3 months, nor any extra £5 in quidco or TCB.

Here the link:

moneysupermarket.com/cre…ge=
Edited by: "jimcat" 22nd Sep 2014

BroadbandBilly

Looks like this qualifies for £25 Quidco, too, making it an even better … Looks like this qualifies for £25 Quidco, too, making it an even better deal.



Cashback for the "Platinum Cashback Everyday Card" is £5 not £25 and to get the 0% interest you need the moneysupermarket referral not quidco, so if you want the offer you dont get the £5 cashback.

Amex Nectar card looks good too, £100 worth of bonus points for 2.5k spend in first 3 months in addition to other nectar points earned when spending on card.
TCB offering £31 cashback too.
Card membership is free for first year then £25 there after.
Edited by: "sach1636" 5th Oct 2014
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