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Vitality American Express® Credit Card FAQs

We've answered questions on the Vitality American Express Credit Card

Yes, you can apply for a Supplementary Card at the time you submit your application. Once you've completed your application, you will not be able to add a Supplementary Card. Find out more about Supplementary Cards

You can only have one Vitality American Express Credit Card. 

If you already have another American Express Credit Card, you can still apply for a Vitality American Express Credit Card.

To view your American Express cashback rate, log into your American Express Online.

You can also download the American Express® App. 

If you have any questions, American Express Customer Service is ready to assist you 24/7 on 0800 917 8047 or via their Live Chat team through their Online Services.

Yes, they’ll earn cashback at the same great rates that you do, which will be applied to your Card Account.

Yes, they’ll earn a Vitality healthy cashback booster at the same great rates that you do, which will be applied to your Account. 

There’s no limit to the amount of American Express cashback you can earn. As long as you spend a minimum of £3,000 in your Cardmembership year, every full £1 you spend on purchases qualifies for cashback.

Yes, you can earn a Vitality healthy cashback booster on the first £1,000 of purchases each month. 

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 month after your Card anniversary. Your anniversary date is usually the date you opened your Credit Card Account. To qualify, you need to spend at least £3,000 within your Cardmembership year. 

You’ll receive a healthy cashback booster paid onto your Card Account.

At the point of your Vitality healthy cashback booster payment, you'll need:

  • to have an active Vitality plan or plans
  • have paid all your insurance premiums for your Vitality plan or plans, and
  • have an active Vitality American Express Credit Card.

You’ll receive any healthy cashback booster earned in the month after your Card anniversary.

If you qualified for the Vitality Pink offer, we’ll pay this into the principal member’s bank account for Vitality partner benefits within 90 days of the Card anniversary date.

You can view your cashback rates and qualifying transactions online at American Express

You can also track your Vitality cashback booster earn rates on a monthly basis in the Member Zone.

You'll earn American Express cashback for purchases: 0.5% for the first £5,000 of purchases in the preceding 12 months; and 1% on purchases over £5,000 in the preceding 12 months.

Except for purchases made at warehouse retailers in the United Kingdom where you will earn American Express cashback at the rate of 0.5%. American Express cashback is calculated on the amount of the purchase and then rounded up or down to the nearest full penny.

You must have made purchases on your Card Account of at least £3,000 within the Card membership year applicable to your Card Account to be eligible to receive your cashback.

We calculate your Vitality healthy 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 prior. So you won’t earn a healthy cashback booster until the start of the third calendar month after the Card benefit goes live in Member Zone.

Yes. Vitality accepts American Express for all transactions where you can use credit cards.

Start by taking a look at our support guides. You can also:

  • Call us on 0345 602 3523 Monday – Friday: 8am – 7pm, Saturday: 9am – 1pm

We’ll set your healthy cashback booster rate based on the monthly points you earned two months prior. You can check your points statement before the start of each month to ensure we've received them.

For now, the following partners accept American Express:

  • Amazon
  • Apple Watch
  • Caffè Nero
  • Garmin
  • Mr & Mrs Smith
  • ODEON
  • Polar
  • Runners Need
  • Vue
  • Waitrose & Partners
  • Withings
  • WW

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