The Platinum Card® from American Express
Fee: £650 · 5X flights, 2X travel, 1X all else
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The simplest no-fee cashback card in the UK — 1% back on everything with no catches.
The simplest no-fee cashback card in the UK — 1% back on everything with no catches.
🎯 Best For: Anyone wanting straightforward cashback without categories, caps, or minimum spends.
⚠️ Watch Out: 1% is competitive but not the highest for high spenders in specific categories.
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Chase entered the UK with a simple proposition — 1% cashback on everything, no annual fee, no caps. Mastercard acceptance means it works everywhere, and no foreign transaction fees add travel value.
Excellent app experience from a digital-first bank. For a simple everyday card, Chase is hard to fault.
Won't match the highest earners in specific categories, but for reliability and simplicity, among the best no-fee options.
Fee: £650 · 5X flights, 2X travel, 1X all else
Fee: £0 · No rewards — balance transfer specialist
Fee: £75 · 3 points/£1 at Marriott, 2 elsewhere
Fee: £0 first year, then £160 · 1 point per £1
£75
3 points/£1 at Marriott
🎁 10,000 points after first purchase
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