Amex - choices

robatwork

Just been to https://www.americanexpress.com/uk/ with a view to applying for an Amex. Wow there's a lot of choice! Perhaps some of you would be so good as to steer me towards the card most appropriate (The gold for example has 1 year's free membership which I would be happy with, setting a date in the diary to cancel it):

£200-400 spend per month, always cleared in full
Won't spend over £5000 per year - more like £3000 max
Some months 0 spend
Don't want to pay a fee
Prefer pure cashback but also use BA quite a bit and Amazon, so if vouchers are better value then happy with that too
No debt history, good credit history

many thanks

Ben8282

With such a low monthly spend is there really any point in bothering with cashback or rewards?

Richey_

I got £243 in my first year of The Everyday Cashback Credid Card by changing how I use Credit Cards. You get 5% cashback for the first 3 months up to £100 cashback. You need to spend £2000 in the first 3 months to get £100 cash back. We put everything household bills onto my Amex and I have my partner a linked card to my account. Every time we spend money on the Amex we transfer the money from our current account to a savings account which we then transfer the money back when the bill comes through, the money transfers back and the bill is paid. Works as long as you always remember to transfer so you never over spend.
Everything over 80p goes on the card as over the year it goes up to 1.25 cash back. Today alone, supermarket, beers at Tesco, online shopping etc all gone on it. Online even if the company doesn’t take Amex use PayPal and he spend on your Amex that way. (Be wary of big purchases can lose s.75 protection if use PayPal.) They are good for limits too, I went from £7.7k to £15k limit after around 7 months.
I love Amex they have loads of other good offers monthly with immediate cash back including shop small December when loads of pubs (and shops) spend £10 and get an immediate £5 cash back. Makes a very good but cheap night out!

Richey_

I even pay bills (where the online service allows) by Amex to get 1.25% cashback rather than noting by direct debit