Amex Platinum Cashback Everyday vs NatWest Reward Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Amex Platinum Cashback Everyday comes out ahead on estimated net value — about £24/yr more than the NatWest Reward Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Amex Platinum Cashback Everyday Best valuePopular | NatWest Reward Credit Card |
|---|---|---|
| Issuer | American Express | NatWest |
| Annual fee | No annual fee | £24 / year |
| Welcome bonus | 5% cashback (capped £100) for first 5 months | — |
| Min. income (monthly) | GBP 20,000 | GBP 10,000 |
| Reward type | cashback | cashback |
| Headline rate | 5% cashback | 1% cashback |
| Bonus categories | fuel, everyday, groceries | fuel, groceries, retailer_partners |
| Lounge access | No | No |
| Foreign tx fee | 2.99% | 2.75% |
| Est. net value / yr | £468 | £444 |
| Apply | Apply |
Frequently asked questions
- Amex Platinum Cashback Everyday vs NatWest Reward Credit Card: which is better?
- On our reference spend profile the Amex Platinum Cashback Everyday delivers higher estimated net value than the NatWest Reward Credit Card in United Kingdom, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Amex Platinum Cashback Everyday and NatWest Reward Credit Card?
- Amex Platinum Cashback Everyday: No annual fee. NatWest Reward Credit Card: £24 / year.
- Which earns more rewards, Amex Platinum Cashback Everyday or NatWest Reward Credit Card?
- Amex Platinum Cashback Everyday earns 5% cashback; NatWest Reward Credit Card earns 1% cashback. We rank by net value after fees, not headline rate alone.