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American Express Platinum Cashback vs Barclaycard Rewards

Which card wins for your spending? Calculate below.

Quick Comparison

Feature
American Express Platinum Cashback
Barclaycard Rewards
Annual Fee
£25
FREE
Best Reward Rate
0.75% cashback on first £5,000 spent per year
0.25% cashback on all purchases
Provider
American Express
Barclaycard
Min Credit Score
Good to Excellent
Fair to Good

Calculate Your Rewards

Adjust your monthly spending to see which card wins

£400
£200
£600
Total Annual Spend: £14,400
🏆 Winner

American Express Platinum Cashback

Gross Rewards

£180

- £25 fee

Net Value

£155/yr

Apply Now →

Barclaycard Rewards

Gross Rewards

£36

Net Value

£36/yr

Apply Now →

The Verdict

American Express Platinum Cashback wins by £119/year

Based on £14,400 annual spend

Want penny-perfect accuracy?

🔒 Analyse Your Bank Statement

American Express Platinum Cashback

Market-leading cashback rates with tiered rewards - one of the best pure cashback cards in the UK

Pros

  • ✓High cashback rate (1.25% on most spending) - one of the best in UK
  • ✓Introductory offer: 5% cashback in first 3 months (up to £125 cashback)
  • ✓Annual fee quickly pays for itself with £2,000+ spend
  • ✓Purchase protection and extended warranty coverage

Cons

  • ✗£25 annual fee (but often worth it)
  • ✗Not accepted everywhere (Amex) - keep a backup Visa/Mastercard
  • ✗Lower rate on first £5k spend (0.75%)
Apply for American Express Platinum Cashback →

Barclaycard Rewards

Basic cashback card with no annual fee - good starter rewards card

Pros

  • ✓No annual fee
  • ✓Widely accepted (Visa)
  • ✓Easier approval than premium cards
  • ✓Established UK provider with good customer service

Cons

  • ✗Very low cashback rate (0.25%) - £1,000 spend = only £2.50 cashback
  • ✗Better options available (Chase 1%, Amex 1.25%)
  • ✗Not competitive for serious rewards earners
Apply for Barclaycard Rewards →

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