Card Terms & Conditions
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Your Guide to the Lending Code
If you’d prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available – the Basic Card, click here for more information
1.The 20,000 Membership Rewards bonus points will be awarded onto your account once you have been approved and you have spent and charged £2,000 within the first 3 months of Cardmembership. All introductory offers are subject to change, can be withdrawn at any time and are not available to existing American Express customers. Please note that it can take up to 60 days for bonus points to be awarded to your account.
2. The annual fee is £125. With this offer you will receive the first year of Cardmembership with £0 annual fee. From year two of your membership, a £125 annual fee will automatically be charged to your account on or after the anniversary of your account opening date. The first year fee waiver is only available to new American Express Charge Cardmembers.
3. Membership Rewards Points are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. Read the full terms and conditions here
4. 7,500 Membership Rewards bonus points will be awarded to your account every year at Card renewal if you have made purchases of at least £15,000 within a 12 month period ending on the anniversary of your Preferred Rewards Gold Card membership. Should you qualify in any given year, the 7,500 bonus points will be awarded to your account up to 60 days after your Card renewal.
5. American Express Services Europe Limited (“AESEL”) makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Details can be found on the American Express website.
Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. The American Express Preferred Rewards Gold Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom registered in England and Wales, Company Number 1833139, and authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.