Remember to spend responsibly

Whilst we want you to make the most of your Card, we also want to remind you to spend responsibly and only buy what you can afford to repay.¹

1. If you have an American Express^® Credit Card, you won’t pay any interest on purchases if you pay off your balance in full every month by the payment due date. If you are just making your minimum payment on a Credit Card, it will take you longer to clear your balance. If you have an American Express Charge Card, please refer to your current Cardmember agreement for payment details. You can find information about managing your Account in our online Help Centre.

2. 5,000 Membership Rewards^® bonus points will be awarded to your Account for each £10,000 of purchases you make within the 12-month period ending on the anniversary of your American Express Preferred Rewards Gold Cardmembership. This is subject to a limit of 10,000 Membership Rewards bonus points. Each bonus of 5,000 Membership Rewards bonus points will be awarded to your Account within 90 days of the charges from the corresponding purchases being posted to your Account. The following charges are not valid charges for the purpose of calculating your spend accrual towards this bonus in a given year: interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre-paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds.^* Your base Membership Rewards earn rate is 1 point for every £1 of eligible spend. With the new Membership Rewards bonus structure, if you spend £10,000 you will earn 10,000 Membership Rewards points plus 5,000 bonus points.

3. Membership Rewards points are earned for every £1 spent and charged per transaction on your Card at the following rates: one point for every full £1 spent and charged per transaction, two additional points for every full £1 spent and charged per transaction on pre-paid hotels, flights, car hire and experiences at American Express Travel (excludes cruises and The Hotel Collection), one additional point for every full £1 spent and charged per transaction directly with airlines over the phone or online via their official website or affiliated mobile apps (only transactions made directly with the airline will be included for bonus Membership Rewards points, including but not limited to flights, car hire, package holidays and insurance. Bookings made with other travel agents, comparison sites and affiliates will not be included for bonusing) and one additional point for every equivalent £1 spent on your Card in a foreign currency (if your transaction is converted into your local currency before submitting to us, you will earn at your normal rate). Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre-paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. For full Membership Rewards Terms and Conditions, please visit membershiprewards.co.uk/terms

4. Spend £5 at Deliveroo to receive a £5 statement credit on an eligible transaction. Offer valid twice per Card within each calendar month. Terms, payment restrictions and future communications about this benefit will apply. See Amex Offers for full benefit terms

5. In order to fulfil your membership with Priority Pass^TM, American Express Services Europe Limited needs to share the information you have provided with Priority Pass^TM. We will also share your date of birth with Priority Pass for ongoing identification and Account validation purposes. To find out more on how American Express uses your information please click here. Priority Pass will use the information solely for the purpose of providing their services, and will not share it with any third parties. You can find more details on Priority Pass’s complete privacy notice at https://prioritypass.com/en/privacy-notice.

You will be entitled to four complimentary lounges visits each year you hold a valid Preferred Rewards Gold Card. These may be used by the primary Cardmember, or by the primary Cardmember and one guest. Once you have been approved for your American Express Preferred Rewards Gold Card, please allow up to 28 working days for your Priority Pass™ card to arrive in the post. In order to access Priority Pass lounges, the Cardmember must present a valid Priority Pass membership in his or her name, along with the boarding pass for same-day travel and government-issued ID. Subsequent years’ renewal Terms and Conditions are at the discretion of Priority Pass. For complete conditions of use visit prioritypass.com. Access to the Priority Pass lounges may be subject to availability or wait times. Please read the Priority Pass conditions of use for more information. You will agree to abide by the conditions of use as contained in the lounge listing. You also agree that lounges may charge lounge usage fees at the prevailing rate, and to your American Express Preferred Rewards Gold Card, for any lounge visits that exceed the four complimentary lounge visits per membership year. The lounge usage fees charged are at the discretion of Priority Pass and any changes to the lounge access fee will be advised by them.

6. Valid for new bookings with participating providers of at least two consecutive nights made online through americanexpress.co.uk/travel or with The Hotel Collection Booking site. Payment must be made in full with an American Express^® Card in the Preferred Rewards Gold Cardmember’s name. This benefit is for Preferred Rewards Cardmembers only. The Gold Cardmember must travel on the itinerary booked. The Cardmember will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible charges exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Room upgrade is based on availability and eligibility at check-in. Three-room limit per Cardmember per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating providers and benefits subject to change. Benefits are not awarded for stays less than 2 nights. Bookings for participating hotels at The Hotel Collection made online at americanexpress.co.uk/travel will not earn 2 additional Membership Rewards points for every £1 spent, but will be earned at the normal rate of 1 point for every £1 spent. Payment must be made with American Express^® Card only, Cardmembers are not able to pay with Membership Rewards points for bookings made with The Hotel Collection.