Vitality American Express® Credit Card FAQs
Can I add Supplementary Cards for other members of my family?
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.
How many Vitality American Express Credit Cards can I have?
You can only have one Vitality American Express Credit Card.
What if I already have an American Express Credit Card?
If you already have another American Express Credit Card, you can still apply for a Vitality American Express Credit Card.
Who do I contact if I have a query about my American Express cashback rate?
To view your American Express cashback rate, log into your American Express Online.
You can also download the American Express® App.
Does spend on any Supplementary Cards count towards my American Express cashback?
Yes, they’ll earn cashback at the same great rates that you do, which will be applied to your Card Account.
Does spend on any Supplementary Cards count towards my Vitality healthy cashback booster?
Yes, they’ll earn a Vitality healthy cashback booster at the same great rates that you do, which will be applied to your Account.
Is there a limit on my American Express cashback?
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.
Is there a limit on my Vitality healthy cashback booster?
When will I get my American Express cashback?
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.
When will I get my Vitality healthy cashback booster?
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.
Where can I see my cashback rates?
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.
How is my American Express cashback calculated?
Within your Cardmembership Year, you’ll earn American Express cashback for purchases at the following rate: 0.5% for the first £10,000 of purchases in the preceding 12 months; and 1% on purchases over £10,000 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.
How is my Vitality healthy cashback booster calculated?
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.
Are Vitality American Express Credit Cards contactless?
Yes. Find out more about the Vitality American Express Credit Cardmember benefits.
Can I use my Vitality American Express Credit Card to pay Vitality?
Yes. Vitality accepts American Express for all transactions where you can use credit cards.
Who do I contact if I have a query about my Vitality cashback booster rate?
Start by taking a look at our support guides. You can also:
- Contact us 24/7 on social media
- Call us on 0345 602 3523 Monday – Friday: 8am – 7pm, Saturday: 9am – 1pm
What happens if my Vitality activity points are late?
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.
Can I use my Vitality American Express Credit Card with Vitality partners?
For now, the following partners accept American Express:
- Apple Watch
- Caffè Nero
- Mr & Mrs Smith
- Runners Need
- Waitrose & Partners
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