Small Business - Card Benefits

The American Express® Platinum Business Cashback Card gives you a competitive advantage with up to 5% Cashback

when you buy supplies, tools, material and equipment for your business.

Cashback	Save up to 5% Cashback on purchases for the first 3 months - up to 2% thereafter
Competitive APR	TYPICAL 23.4% APR variable ongoing.
Improved Cashflow	Ability to pay over time, with up to 56 days interest-free
Low annual fee	Only £29 annual fee

Tools for your Business

Business Card Benefits

Easier Account Management

Business Travel Services

Apply today, and if you are accepted for the American Express ® Platinum Business Cashback Card, you could benefit from the following American Express business tools:

Small Business Savings Network	Your business will have access to the type of savings usually only reserved for large corporations. Savings partners include HP, Hertz, Eurostar, Holiday Inn, DHL, Orange and more. Learn more
Easy International Payments	Send foreign currency wires and draft payments overseas quickly, securely and cost-effectively with FX International Payments from American Express. Learn more
Book Business Travel	Book flights and make hotel and car hire reservations – all in one simple transaction. Learn more

Manage Your Account Online	24-hour secure online access lets you check your balance, past statements, available credit, and keep track of all purchases made on your Card.
Paperless Billing	Receive your monthly bills online in minutes and enjoy greater security, more flexibility, and less clutter.

Online Fraud Protection	Eliminates the worry of online fraud by protecting you against any unauthorised charges when you shop online.
Purchase Protection	Protects almost everything you buy against accidental damage and theft for 90 days.
Chip and PIN	Secures your Card and guards against in-store fraud.

Emergency Card Replacement	Report a lost, damaged or stolen Card to us and we’ll try to get a replacement to you within 24 hours, wherever you are in the world – free of charge.
Global Assist™	Provides you with 24-hour legal and medical advice around the globe.
Worldwide, 24-hour Customer Service	Just call us on 0845 600 4120 for help and assistance, day or night, 365 days a year.
Travel Accident Benefit	Charge your business travel tickets to your Card and enjoy travel accident benefit up to £150,000.

The rebate is not payable in respect of any month in which the minimum payment is not received by the due date. The rebate is not payable in respect of cash withdrawals, interest, fees, balance transfers, or expenditure in any one month exceeding the amount of your Credit Limit or if the minimum amount of Cashback rebate earned in 12 months is less than £12. An annual rebate on the aggregate amount of all Transactions (other than the exclusions stated above) will be payable to you by us to a maximum of £1000 per account per 12-month period at the following rates:

•   0.5% for aggregate amounts up to £5,000; and
•   1% for aggregate amounts from £5,001 to £10,000; and
•   2% for aggregate amounts in excess of £10,001.
American Express may vary the %APR, interest rates and other charges from time to time. The minimum monthly payment will be 3% of the outstanding balance or £5, whichever is greater. Of course you may pay off your balance in full at any time.Typical rate 18.9% p.a. (variable) on card purchases, 1.46% per month, that's a typical rate of 23.4% APR (variable) including the £29 annual fee. The American Express Platinum Business Cashback Card interest for Cash Withdrawals is 27.9% interest p.a., 2.08% per month. You will have access to a credit limit of at least £1,500. There is a commission of 2.99% on foreign charges. There is a £3 fee for copies of records of transactions and a £5 fee for copies of statements (please note your statements sent to you each month when you have used your card will not incur this charge). There is a cash withdrawal charge which is £3.00 or 3% of the withdrawal (whichever is the greater).
Information is correct at the time of going to print. Participating business partners may vary from time to time. Offers are subject to availability and may vary.
When you use your Card online you will not be held responsible for unauthorised charges
Purchase Protection Benefit: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase. Exclusions apply. See Summary of Benefits for full details and requirements.
b) Travel Accident Benefit: Up to £150,000 per event when you use the Card to pay for public transport. Exclusions apply. See Summary of Benefits for full details and requirements.
c) American Express Services Europe Limited ("AESEL")" makes various benefits available to cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers. This includes Travel Accident, and Purchase Protection Benefits. You will lose these benefits if you cease to be a cardmember. Full details of the insurance benefits currently available and the exclusions that apply to these benefits will be found in the Summary of Benefits document.

The American Express® Platinum Business Cashback Card is offered by American Express Services Europe Limited. Registered Office: Belgrave House 76 Buckingham Palace Road London SW1W 9AX. Registered in England and Wales with Number: 1833139