American Express® Preferred Rewards Gold Credit Card is your passport to a more rewarding world and below you can find out how to make the most of it. From learning how to get started with your Credit Card, to discovering all the benefits, rewards and offers that come as part of your Cardmembership.
Activate your Credit Card, to start your journey.
Activate your Credit Card and register for Online Services
If you haven’t done so already, you can activate your Credit Card and register for Online Services at the same time. Follow just a few steps to activate your Credit Card and you’ll be able to start using it in no time.
Using your Credit Card
Your Credit Card PIN
If you didn’t select your PIN during your Credit Card application process, you’ll receive a letter by post enclosing an auto generated PIN. For security reasons, this will be sent separately from your Preferred Rewards Gold Credit Card and should arrive within 10 business days of receiving your Credit Card application approval confirmation.
Changing your PIN
If you want to change your PIN for something simpler to remember, you can do so easily at any UK LINK cash machines.
View your PIN online
Forgotten your PIN? To view it, log in to your Online Services Account, click ‘Card Management’ and ‘View PIN’. You will be required to enter your Customer password, which is the 4-digit password used when calling Customer Services. You will have the opportunity to set up your Customer password when activating your Credit Card online. If you haven’t already registered for Online Services, you can do so here.
Places to use your Credit Card
Your Preferred Rewards Gold Credit Card is accepted at thousands of places worldwide and the number keeps on growing.
• Online and in store retailers, including high street brands and local shops
• Major supermarkets and petrol stations
• Entertainment venues and restaurants, from 5-star dining to a coffee on the go
• Weekend getaways or family holidays.
You can find out more about all the places you can use your Credit Card here, and don’t forget to look out for the American Express logo when shopping.
Save your Credit Card details to every account online
Saving your new American Express Credit Card details at your favourite online retailers is the most convenient and secure way to quickly make purchases online. Don’t miss out on being rewarded for virtually every £1 that you spend, and check out faster whenever you shop online at places like these:
American Express contactless is the safe and secure way to make everyday purchases up to the value of £303. It’s easy to use, convenient, and is welcomed at thousands of locations across the UK and abroad. Whether it’s a flat white at a favourite coffee shop or a cheeky cocktail at one of your regular hangouts, look out for the American Express contactless symbol and pay by tapping your Credit Card on the reader.
Discover the security, ease and convenience of mobile payments and keep earning rewards on those everyday purchases. View the options below on how to load your Card to your mobile device and once you’re all setup, simply look for the American Express contactless symbol and pay by tapping your mobile device on the reader.
Apple Pay lets you make everyday purchases using your iPhone or Apple Watch either in-store or in-app. Just visit the ‘Wallet’ app on your iPhone to get started.5
Amex Pay is the simple way to make mobile payments in-store using an Android device. Simply add your Card to Amex Pay through the Amex App to get started.4
Google Pay allows you to pay on the go in-store or in-app using your Android device. Simply add your Card through the Google Pay app to get started
Samsung Pay allows you to make everyday purchases in-store or in-app using your Samsung device. Simply add your Card through the Samsung Pay app to get started.
Your security when shopping is our top priority. From built-in Card safety features, to fraud protection and 3D® Secure payment technology, we’ve ensured that everything is in place to keep you protected when you use your Credit Card at home and abroad. So no matter where you are in the world, whether you’re buying online or hitting the high street, you can shop quickly, easily and with total confidence.
Credit Card security code
Your Credit Card security code is an added security feature to help protect you against fraud. Your 4-digit security code can be found on the front of your Preferred Rewards Gold Credit Card, towards the right, and printed flat (unlike the Credit Card number). You may be asked for this number during phone and online transactions.
As a new Cardmember, we want you to feel confident shopping online with your Preferred Rewards Gold Credit Card. SafeKey uses the latest 3D® Secure technology to help protect you against fraud when you’re online6.
During the checkout process when you’re shopping online with participating retailers, the SafeKey box will appear to remind you that we’re checking your spending patterns, to make sure you’re the person making the purchase on your Credit Card. You will also have the option to use your Membership Rewards points at a range of participating retailers during the SafeKey journey. To find out more, click here.
Sometimes if you’re shopping on a particular website, we might want additional verification that it’s you. If that’s the case, we will send you a six-digit code instantly by text and/or email. Simply enter this code to complete your transaction.
Register for fraud alerts and should we spot something unusual in your spending patterns, we’ll send you an alert by SMS and/or email instantly. Simply reply with a ‘yes’ or ‘no’ to verify if it was a purchase you authorised.
Retail Protection benefits
Whether you’re shopping online or on the high street, your Preferred Rewards Gold Credit Card has you covered.
You’re covered for up to £2,500 per eligible item if a purchase made on your Credit Card is accidentally damaged or stolen within 90 days of purchase. Exclusions and limitations apply7. Click here for full details.
If a UK store refuses to refund any eligible item over £25 within 90 days of purchase on your Credit Card, you're covered up to £300. Exclusions and limitations apply7. Click here for full details.
Fraud Protection Guarantee
Shop with confidence knowing you’ll never be held responsible for any unauthorised Credit Card purchases, as long as you’ve taken reasonable care to protect your Account details and PIN.
Your Preferred Rewards Gold Credit Card gives you the freedom to pay off your balance over several months or all at once. So you have the flexibility you need while continuing to earn Membership Rewards points on your purchases.
How does a Credit Card work?
A key benefit of a Credit Card is its flexibility, you can purchase things now and pay for them in the future either in one go or in monthly installments. When you opened your Credit Card Account, you were given a credit limit which is the maximum amount you can spend. You can find out what your credit limit is, by checking the letter we sent you with your new Credit Card attached to it or by checking your balance online at americanexpress.co.uk. It’s important to remember that if you don’t pay off your balance in full every month then you will be charged interest until full repayment has been received. You can see your interest rate in your Terms and Conditions.
You can decide how much of your balance to pay off but we would recommend you pay off as much of your balance as possible.
We will require you to make a minimum payment each month. You can see how your minimum due is calculated in the Summary Box, which is in your statement.
For more information on Credit Card fees and charges please click here
Managing your Account
Your statement and paying your bill
You can view your latest statement and payment due date online by registering for Online Services. To ensure your payment due date is set to one convenient for you, please contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment it will need to be up to date before requesting any change.
With your Preferred Rewards Gold Credit Card, you have the flexibility to pay for your purchases over several months, or all at once. For further information, click here
There are many ways to pay your bill in an efficient, secure way. Take your pick from the options below.
It's fast and simple to pay your bill online using a debit card. Log in to your Online Services Account to make a payment.
A Direct Debit automatically makes your payments each month, so you don't have to keep remembering to do it. Set it up online once you’ve registered for Online Services, by clicking ‘Set up Direct Debit’ on your Credit Card Account page and following the step by step instructions.
You can pay your bill in person at a bank either by bank giro, using the payment slip provided on your statement or by cheque. Please write your Account number on the back of your cheque.
From balance updates to payment reminders, our wide range of alerts can help you keep on top of your Account. You can manage the alerts yourself online, or you can let us know when you register for Online Services if you want to receive alerts on your mobile or by email. You can even place your Account alerts on hold when travelling, or change the time zone in which they arrive.
Why not share the benefits of your Preferred Rewards Gold Credit Card by applying for Supplementary Cards8 for your family or others close to you? They’ll earn Membership Rewards points1 at the same great rates that you do, which will be applied to your Account. What’s more, the first supplementary Credit Card you add to your Account comes at no extra cost and each Card thereafter is £458.
Got a Gold Charge and Gold Credit Card?
The Preferred Rewards Gold Credit Card is distinct from our existing Preferred Rewards Gold Charge Card. There are important similarities and differences between the Preferred Rewards Gold Credit Card, and the Charge version of the Card, including duplication of benefits. For important information on the significance of holding both products please read carefully the information here.
Replace your lost, stolen or damaged Credit Card
If your Credit Card is lost, stolen, damaged or not received you can order a replacement Credit Card for yourself or your additional Cardmembers on your Account quickly and securely using your Online Services Account. If your Credit Card is lost, stolen or not received we will cancel your Credit Card immediately and send a replacement Credit Card to you. If your Credit Card is in your possession and is damaged you can continue using your Credit Card until your replacement arrives. If you have your Credit Card with you but, do not have an Account, you can set up an Online Account in just a few steps. If you do not have an Online Account to report and replace your Credit Card, please contact us immediately.