American Express is offering 5% cash-back on purchases on its platinum credit card up to a maximum of pounds 125 in the first three months. After that, the rate drops to 1.25% on anything you buy. Spend more than pounds 10,000 in a year and Amex will increase your cashback to 2.5%. There is a pounds 25 cashback bonus if you apply successfully before 10 March, nullifying the annual fee. Harriet Meyer
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