How You Earn
3X
Points
On American Express® Travel
for every £1 spent
2X
Points
On purchases made directly with airlines
for every £1 spent
1X
Points
On purchases
for every £1 spent
9,000
Points
Invite a Friend
And earn at least 9000 Membership Rewards Points if they are approved - up to 90,000 a year
How You Earn
3X
Points
On American Express® Travel
for every £1 spent
2X
Points
On purchases made directly with airlines
for every £1 spent
1X
Points
On purchases
for every £1 spent
9,000
Points
Invite a Friend
And earn at least 9000 Membership Rewards Points if they are approved - up to 90,000 a year
Key Benefits
Redeeming Points
Discover the flexibility of your Membership Rewards® points. From luxury retail purchases, reducing your Card balance, redeeming Gift Cards, to planning your next vacation - whatever your taste, the perfect reward awaits you - plus there’s no limits on how many you could earn, and they never expire!
• Use points towards purchases made on your Card. From a trip away, to dining out, once an eligible purchase appears on your statement, you can pay for it with your points.
• Shop with Points online with hundreds of retailers including John Lewis, Selfridges and Amazon.
• Redeem points on eligible purchases at PayPal by choosing to use either PayPal Pay with Points, your American Express® Card, or a combination of both.
• Purchase Gift Cards from a range of well-known brands.
• Transfer points to an Amex loyalty partner programme including British Airways Executive Club or Emirates Skywards.
And many more – 25,000 points is worth up to £125 in gift cards!
Welcome Bonus
Earn 20,000 Membership Rewards® bonus points when you spend £3,000 in your first three months of Cardmembership. Offer available to eligible new Cardmembers only. Annual Fee applies after the first year. Terms apply, 18+, subject to status.
Get points on all your spend
You get 1 Membership Rewards point for every £1 you spend. Plus, you get 5,000 bonus Membership Rewards points when you spend £10,000, up to 10,000 bonus points per year. Then use your points to offset virtually anything you’ve bought on your Card, or redeem with a range of shopping, travel and lifestyle partners.
Get £10 back a month on Deliveroo
Just in from work, kicking off your shoes and craving your favourite food? Or maybe you have friends coming round and you want to put on a no-fuss feast?
Get £5 back twice a month with Deliveroo, that’s a tasty £120 back yearly, treating yourself to an amazing range of delicious takeaways for less.
Terms apply. Enrolment required.
Enjoy 4 airport lounge passes yearly
Arrive at the airport in good time, spend time in the lounge to chill out, enjoy a meal before a flight and let all your cares slip away.
Get x4 complimentary Priority Pass airport lounge visits at up to 1,300 lounges at major airports around the world with your Priority Pass membership.
Get more when you get away
Book two nights or more with The Hotel Collection through American Express Travel and you’ll receive elevated benefits including noon check-in, late check-out, and a room upgrade1, all when available. Plus, a US$100 credit to use towards eligible charges, such as food and beverage, spa, or other on-property charges2.
1Certain room categories are not eligible for upgrade.
2Credit use varies by property.
Explore properties in The Hotel Collection here
Book with Amex Travel here
Exclusive access to Amex Experiences®
Whether it's film, music, theatre or dining, American Express gives you access to purchase tickets for incredible events and enjoy exclusive Cardmember benefits as well.
Cardmembers are also invited to sit back and relax before their next show with complimentary access to the American Express Lounge at The O2 London. Learn more by visiting here.
Enjoy the brands you love, for less with Amex Offers
Get statement credit back with Amex Offers while shopping at your favourite brands. That could be a new pair of shoes, tonight’s dinner, or even your next getaway.
Plan ItTM – Instalment Plans from American Express
Spread the cost of your purchases of £100 or more into monthly instalments with a fixed fee.
- No additional application or extra credit checks required
- A fixed monthly fee is shown upfront, with no interest charged on your instalment plan balance
- Earn rewards on the purchases the way you usually do
Learn more by visiting here.
All Benefits
Get Points on All Your Spend
Get Membership Rewards points for every pound you spend on the American Express Gold Credit Card:
- 1x point for every £1 spent on purchases
- 2x points for every £1 spent directly with airlines or in a foreign currency
- 3x points for every £1 spent at American Express Travel
And there is no limit to how many points you can earn.
Earn bonus points
Get 5,000 bonus Membership Rewards points when you spend £10,000, up to 10,000 bonus points per year.
Invite Friends, get Rewarded
Invite a friend and earn at least 9,000* bonus Membership Rewards points if they are approved – up to 90,000 points a year. You can put them towards flights, Amazon purchases or paying off your balance. Find out more here.
Complimentary Supplementary Card
Add family members or a partner to your Account and earn Rewards faster.
Use Points to Shop Online
• Use points with Safekey at over 1,000 online stores, travel brands, takeaways and many more.
• Redeem points on eligible purchases at PayPal by choosing to use either PayPal Pay with Points, your American Express Card, or a combination of both.
• Select & Pay with Points online with hundreds of retailers including John Lewis, Selfridges and Amazon.
• Use Points to Donate to Charity.
Use Points to Reduce Your Card Balance
• Use points to reduce or cover the cost of purchases made on your Card. From a trip away, to dining out, once an eligible purchase appears on your statement, you can pay for it with your points.
Purchase Gift Cards
• Use Membership Rewards points to purchase Gift Cards across a mix of categories, including dining & experiences, retail, health and wellness brands.
Transfer Your Points to Travel Loyalty Partners
• You can transfer your Membership Rewards points to an Amex loyalty partner programme, like your favourite airline and hotel, including British Airways Executive Club or Emirates Skywards.
4 airport lounge passes yearly
Take advantage of 4 complimentary Priority Pass airport lounge visits every year giving you access to over 1,300 airports globally. You can use all 4 passes for yourself or share with a friend or family member you are travelling with.
Access Exclusive Experiences
Get access to advance tickets for the most exciting events, gigs and films with American Express Experiences®. Gold Cardmembers also have exclusive access to unique, shareable and memorable events.
£5 back twice a month on Deliveroo
Just when you thought things couldn’t get any tastier. Enrol to enjoy all your favourite dishes Deliveroo’d to your door, and get £5 back on eligible purchases. Twice every month.
Purchase Protection
Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it’s stolen or damaged within 90 days of purchase, we’ll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.
Refund Protection
Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won’t refund you, we’ll replace or refund you up to a maximum of £300.
Global Assist®
Global assist provides 24/7 help whenever you are travelling outside the UK.
Receive Personalised Offers
Enjoy carefully selected offers and save money at the restaurants and shops you love. Simply choose the offers you like on your American Express App and save them to your Card.
Travel Accident and Travel Inconvenience Insurance
On the move? You’re protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200.
Live Life Knowing You're in Safe Hands
Our security systems allow you to use your American Express Card with confidence, wherever you are. From Account monitoring to online safety measures and fraud alerts, we've got your back. And if you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you with our Fraud Protection.
Earn More Rewards
Choose The Rewards You Want
Make Your Lifestyle More Rewarding
Eligibility
To save time before applying for your American Express Preferred Rewards Gold Credit Card, it’s best to make sure you can say yes to the following.
- I am aged 18 or over
- I have a current UK bank or building society account
- I have a permanent UK home address
- I have no history of bad debt
- I earn at least £20,000 per year
- I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal American Express® Card in the past 24 months.
If you can say yes, go ahead. The application usually takes less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.
Important Information
Please ensure that you have read and downloaded these important documents before starting your application.
- Read Terms and Conditions
- Read Summary Box
- Pre-Contract Credit Information
- Read Insurance
- Read Membership Rewards Terms and Conditions
- Cardmember Privacy Statement
- Cookie Policy
Need help completing your application? Click here
for more information. If you are visually impaired, our online applications are accessibility software compatible.
American Express Services Europe Limited has its 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 authorised and regulated by the Financial Conduct Authority.
