Vitality American Express® Credit Card

Your clients will qualify for this reward if they are an adult member and have one of the following Vitality plans:

Health insurance
Any private health insurance plan.

Business health insurance
Any small business health insurance plan.
Any corporate health insurance plan or trust scheme administered by Vitality, with Vitality Plus benefits.

Life insurance
Any life insurance plan with Vitality Plus benefits. In addition, the total premiums of all life plans on which your client is a member must be at least £45 per month, excluding any fee paid for Vitality Plus.

In their Card membership year your client will earn American Express cashback for purchases on their Credit Card Account. The value of each purchase will be rounded up or down to the nearest full penny before cashback is calculated. Subject to the other Terms and Conditions set out below and any promotional offer we make, your client will earn American Express cashback at the rate of: 0.5% for the first £10,000 of purchases on their Credit Card Account in the proceeding 12 months; and 1% on purchases on their Credit Card Account over £10,000 in the proceeding 12 months. Your client must have made purchases on their Credit Card Account of at least £3,000 within the Credit Card membership year applicable to their Credit Card Account to be eligible to receive the American Express cashback. Cashback will be paid by crediting their Account during each Credit Card anniversary month on the expenditure that has taken place during the preceding 12 months. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers Cheques, Foreign Exchange transactions, interest, any spending in excess of their credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.

Your clients must read the Terms and Conditions below.

Definitions and legal information

“American Express” means American Express Services Europe Limited, registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and is authorised and regulated by the Financial Conduct Authority.

“Card” means the Vitality American Express® Credit Card.

“Healthy cashback booster” means the Vitality healthy cashback booster.

"Vitality", "we" or "our" means Vitality Corporate Services Limited, registered in England and Wales (registered office: 3 More London Riverside, London, SE1 2AQ) under company no. 05933141 and authorised and regulated by the Financial Conduct Authority (firm reference no: 461107). VitalityHealth and VitalityLife are trading names of Vitality Corporate Services Limited. Vitality is the provider of the Active Reward benefit for Vitality members and for the purposes of this offer, Vitality is acting as credit broker only and not a lender.

Financial status
You’ll qualify for the Vitality American Express® Credit Card if you are 18 years or over and you pass a credit check. Final eligibility is also subject to financial circumstances and status. You must have a permanent UK home address, a current UK bank or building society account, and no history of bad debt.

Cards per household
Each household can take out one Vitality American Express Credit Card. If there are many insured members in the household, any qualifying adult member can take out the Card. If two adults each have an individual Plan, but also have a joint Plan, they can each take out a Card in their own right.

Healthy cashback booster
Your clients need to complete a Health Review in Member Zone before applying for a Card.

The level of healthy cashback booster they earn will depend on:

• how many qualifying plans they have, and
• the activity points they earn from getting active.

Your clients need to earn between 40 and 160 points each month to get rewarded with healthy cashback.

We’ll set their healthy cashback booster rate based on the activity points they earned two months prior.

From time to time we may change the way we award points for tracking physical activity. But, they’ll always be able to claim healthy cashback booster by getting active.

The Plan(s) must be active and your premiums up to date for your client’s healthy cashback booster to be paid.

Card impacts if your clients cancel or lapse your Plan(s)
If your clients cancel or lapse their plan, their Card will continue with the Lender under the terms of that agreement.

From that point, they will only be able to earn American Express cashback on purchases. They will also lose any healthy cashback booster earned in the current Card year that has been earned, but not yet been applied, to their Card Account as an annual credit.

If your clients cancel or lapse one qualifying Plan, they will lose their Vitality Pink boosted rates. Their healthy cashback rate will revert to those applicable for one qualifying plan.

We calculate your client’s Vitality cashback booster based on how many eligible Vitality plans they have and how many Vitality activity points they 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 they won’t earn Vitality cashback booster until the start of the third calendar month after they activate the benefit with Vitality. Your clients can earn Vitality cashback booster on the first £1,000 of purchases each month. They’ll earn no cashback booster on purchases under £4, when their rate is 0.25%.

To qualify for this offer, your clients will need to have:

• Been approved for a Card, and
• Spent at least £2,000 on the Card within the first three months of their Cardmembership. Cardmembership starts from Card approval.

American Express will then pay cashback on their Card anniversary. This is the month after their previous 12 months' purchases.

How many Vitality American Express® Credit Cards can my clients have?
They can only have one Vitality American Express Credit Card.

What if they already have an American Express® Credit Card?
If your clients already have another American Express® Credit Card, they can still apply for a Vitality American Express Credit Card.

Can my clients add Supplementary Cards for other members of their family?
Yes, they can apply for a Supplementary Card at any time. Find out more about Supplementary Cards here.

What American Express cashback rate can my clients get on purchases?
Spend on their Card to get the following American Express cashback:

• Spend £0 to £10,000 and get 0.5% cashback on purchases in the proceeding 12 months
• Spend over £10,000 and get 1% cashback on purchases in the proceeding 12 months.

The more purchases they make on their Card, the more cashback they can earn. As long as they spend at least £3,000 within the Card membership year, they’ll be eligible to receive their cashback.

The Card also gives them all the benefits, reassurance and flexibility that come with one of the world’s leading card providers:

• American Express Travel Accident Insurance – up to £150,000 on public transport when they buy a ticket with your Card
• Global Assist – providing 24/7 help when they travel outside the UK
• Purchase and Refund Protection – covering eligible items bought using their Card
• Fraud Guarantee – if they don’t recognise a purchase, American Express will remove it from their account immediately and investigate it
• Complimentary Supplementary Cards earn cashback faster – Share the benefits of their Vitality American Express® Credit Card with those closest to them and earn cashback for their purchases
• American Express® Offers – from their range of retail and travel partners
• American Express® Experiences – enjoy access to purchase tickets to some of the most in-demand music, film and theatre events in town.