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Earning cashback

Find out how to earn a Vitality cashback booster when you make positive lifestyle choices.

Earning cashback with the Vitality American Express® Credit Card

The new Vitality American Express Credit Card rewards you with a cashback booster of up to 2% from Vitality, based on your monthly activity and how many eligible plans you have, and up to 1% cashback from American Express.  

The more active you are, the more cashback booster you can earn, based on your monthly activity and how many eligible Vitality plans you have. You can earn up to 1% cashback booster with an eligible Health or Life plan. If you took out a second eligible Health or Life plan, you could get an additional 1% cashback booster.1 

How to earn Vitality cashback booster

  • number one

    Complete your Online Health Review

  • number two

    Link a compatible activity tracker to Vitality to start earning activity points

  • number three

    Apply for the vitality American Express Credit Card and take out a credit agreement

How much extra cashback booster you can earn

Your overall cashback booster rate depends on the number of Vitality points you earn for being active, as well as how many eligible Vitality products you have.

Activity points earned in a month Vitality Cashback booster with one eligible plan Vitality Cashback booster with two eligible plans
 0-39 0% 0%
40-79 0.25% 0.5%
80-119 0.5% 1%
120-159 0.75% 1.5%
160 1% 2%

You can start earning the Vitality cashback booster from the start of the third calendar month after the benefit that the Credit Card agreement offers is activated with Vitality.

The rate that you’ll earn on your Vitality cashback booster is determined on your monthly Vitality activity points earned two months prior.

Each month’s cashback booster rate is based on the activity points earned two months prior. So you won’t earn Vitality cashback booster until the start of the third calendar month after you activate the benefit with Vitality. You can earn Vitality cashback booster on the first £1,000 of purchases each month. You’ll earn no cashback on purchases under £4, when your rate is 0.25%.

How to keep track of your cashback 

Check the Member Zone
See how much qualifying activity you’ve done each month and what your Vitality cashback booster rate will be.  
 
Log into American Express Online
Keep track of your Card spending and see how your American Express and Vitality cashback is adding up. 
  
Need help?  
Read our frequently asked questions.
 

When will I receive my cashback?

Your American Express cashback will be paid to you by crediting your Credit Card Account. The total amount of cashback received will be what you have earned in the previous 12 months. You’ll receive your cashback in the thirteenth month after your Credit Card anniversary date. Your anniversary date is usually the date you opened your Credit Card Account . Your Vitality plan must be active and your premiums up to date and the Vitality American Express Credit Card must be active of the date the cashback is paid. You’ll also need to spend a minimum of £3,000 within the Card membership year to receive your American Express cashback.

You’ll receive the total amount of any Vitality cashback booster that you have earned in the previous 12 months in the thirteenth month after your Credit Card anniversary date. Your anniversary date is usually the date you opened your Credit Card Account. To be eligible, you need to hold an eligible Vitality product at the time your cashback booster is paid.

The American Express cashback and Vitality cashback booster will be paid at the same time and are both paid onto the Card Account as credit.

1 We calculate your Vitality cashback booster based on how many eligible Vitality plans you have and how many Vitality activity points you earn each month, using a Vitality-compatible device. Each month’s cashback booster rate is based on the activity points earned two months previously. So you won’t earn Vitality cashback booster until the start of the third calendar month after you activate the benefit with Vitality. You can earn Vitality cashback booster on the first £1,000 of purchases each month. You’ll earn no cashback booster on purchases under £4, when your rate is 0.25%.