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American Express: Platinum Cashback Credit Card reviews

Name: Platinum Cashback Credit Card
Rating: 4.64 (69 reviews)

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4.46

Based on 69 reviews, last reviewed 14th Jun 2025

50% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

73%

22%

2 star

Latest highest rating:

4

Great introductory cash back rate Great introductory cash back rate and like that it’s available across all purchases Reviewed on: 14th June 2025

Latest lowest rating:

1

Abysmal service I opened a dispute claim for a product purchased with Amex on Ebay. Big mistake! They have been dragging this for weeks, they close the dispute withou... Read more Reviewed on: 28th January 2024

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About this product

At Smart Money People, we're the UK's #1 place online for American Express Platinum Cashback credit card reviews. Whether you're looking for people's comments on the cashback offer on the card, or other benefits the card offers to customers, see what people have said before making up your mind on this card. Or have you already used the Platinum Cashback card? Share a review and mention what you liked or disliked about the card, and you'll be helping others!

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American Express Platinum Cashback Credit Card reviews (69)

Great introductory cash back rate

Great introductory cash back rate and like that it’s available across all purchases Reviewed on: 14th June 2025

Easy to use.

Easy to use. Good rewards and cash back. Easy to get hold of customer service if/when needed. Reviewed on: 12th June 2025

Best offers in terms of rewards

My main bank for everyday spending: groceries, restaurants, shopping, online, etc. It is very nice to have an opportunity to earn so much cashback with Amex Plat comparing to all other offerings in the market. Been with Amex only for 3.5 months but have already earned more than 160 quid in cashback by utilising 3 months intro (5% cashback). Currently I am getting 0.75% with an opportunity to go to 1.25% by end of the year after 10k annual spend. On top of that had one successful chargeback (double charged by the business, got money back within several minutes after contacting bank's customer support). Almost every place takes their cards nowadays and I barely use visa or master for any of everyday transactions. Reviewed on: 27th March 2025

Great credit card, simple to use, been using for 17y...

Great credit card, simple to use, been using for 17yrs, great value, would be even better if more retailers accepted it. Reviewed on: 3rd March 2025

Amazing customer service but could get more bang for...

Amazing customer service but could get more bang for your buck Reviewed on: 26th February 2025

The card is okay, but a lot of places don't take it.

The card is okay, but a lot of places don't take it. Reviewed on: 18th December 2024

Good Offers on card and cashback

Good Offers on card and cashback Reviewed on: 18th June 2024

Costumer for a long time - no loyalty incentive

I've been with them for a very long time and there have been no incentives to stay. The cashback was great in the first year, but since then nothing special. Reviewed on: 14th June 2024

Nice perks and no problems

I've had a Platinum Cashback Credit Card for about 15 years and always pay it off every month. It's nice to get a small amount of cashback every year, although for the first few years I didn't because I hadn't spent enough on it. I've also got money off a couple of purchases in the Shop Small events. I've never had any problems and never had to contact customer services. The only drawback is that it isn't accepted everywhere. Reviewed on: 26th May 2024

This is one way to earn cash back and savings where...

This is one way to earn cash back and savings where otherwise you wouldn’t. It’s significantly better than the next best alternative - a 0% interest rate current account. Reviewed on: 24th May 2024

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