The Final Step to Free Money
You have read our review, and the verdict is clear: The Amex Platinum Cashback Everyday is the undisputed king of no-fee rewards cards. The ability to earn 5% back on your spending (up to £100) effectively gives you a discount on everything you buy for the first three months.
However, American Express is a prestigious lender. They have high standards, and a rejected application can leave a mark on your credit file.
The Solution: Use the Amex Eligibility Checker. This guide will walk you through exactly how to use this "Soft Search" tool, what requirements you must meet to get the £100 bonus, and the strategy you need to follow once the card arrives.
1. The Pre-Flight Checklist: Do You Qualify?
Before you click the button, confirm you meet the basic criteria. Amex is strict on these:
- Age: You must be 18 or over.
- Residency: You must have a permanent UK home address.
- Financials: You must have a current UK bank or building society account.
- History: You must have no history of bad debt (such as CCJs or bankruptcy).
- Income: While Amex doesn't always publish a strict minimum, a personal income of £20,000+ is typically recommended for approval on this card.
Crucial: The "Welcome Bonus" Rule To receive the 5% Cashback Welcome Bonus, you must not have held a personal American Express card in the past 24 months.
- Note: If you have held one, you can still apply and get the card (with the ongoing rewards), but you won't get the initial 5% boost.
2. Protect Your Score: The "Soft Search"
In the UK, applying blindly for credit is risky. A "Hard Search" from a rejection stays on your file for 12 months.
The Amex Advantage: When you use the link below, look for the "Check your eligibility" button.
- Zero Footprint: It performs a soft check that only you can see. Lenders cannot see it.
- Accuracy: It gives you a score out of 10 (e.g., 9.5/10) regarding your chance of success.
- Speed: It takes less than 2 minutes.
Only proceed to the full application if the eligibility result is strong.
3. Step-by-Step Application Guide
Here is the process you will follow to secure your card:
Step 1: Go to the Official Site Click [CHECK ELIGIBILITY NOW] below. You will land on the secure American Express page.
Step 2: Enter Personal Details You will need to provide:
- Full Name and Date of Birth.
- Contact details (Mobile & Email).
- Address history for the last 3 years. (Make sure this matches your Electoral Roll data exactly).
Step 3: Financial Information
- Employment Status: (Employed, Self-Employed, etc.)
- Income: Enter your gross annual income.
- Household Income: You can often include household income if you are married/living with a partner, which can help your chances.
Step 4: The Decision Amex is famous for its speed. In most cases, you will get an Instant Decision on the screen.
- Approved: You will receive your card in the post within 5-7 working days.
- Pending: They may need to verify a document (ID or Bank Statement). They will email you with instructions.
4. Approved? Your Strategy for the First 3 Months
Getting the card is only half the win. To get the full £100 free cash, you need a plan.
Goal: Spend £2,000 in the first 3 months (to hit the £100 cap at 5%). Action:
- Move Everything: Put every grocery shop, fuel tank, and train ticket on this card.
- Big Purchases: If you have car insurance or a holiday to book, do it now.
- Add a Supplementary Card: Give a card to your partner (it's free) to help hit the spend target faster.
The "Golden Rule" of Amex: You must spend £3,000 in a year to receive any cashback.
- Tip: Set up a Direct Debit to pay the full balance every month. This ensures you never pay interest, making the cashback pure profit.
5. Frequently Asked Questions (FAQ)
Is there really no annual fee? Yes. The "Platinum Cashback Everyday" card is free for life (£0/year). Do not confuse it with the standard "Platinum Cashback" card which charges £25.
Where can I use Amex? In 2025, almost everywhere. All major supermarkets (Tesco, Sainsbury's, Aldi, Lidl), petrol stations, Amazon, Uber, and most high-street chains accept it. Keep a backup Visa for small independent shops.
When do I get the money? Cashback is paid as a credit to your statement once a year (on your card anniversary).
Start Earning 5% Back Today
Stop using a debit card that gives you nothing. Switch to Amex and get paid to shop. Use the secure link below to check your eligibility risk-free.
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