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The Preferred Rewards Gold Card

Earn 20,000 Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership
Annual fee £140 (£0 in first year)

Spending limit
No pre-set spending limit
No interest charges
Just pay off your balance in full each month
Annual fee
£140 (£0 in first year)
Product Terms Read summary box


If you'd prefer a Card without any rewards, other features or a Cardmembership fee, an alternative option is available - The Basic Card

Key Benefits

MEMBERSHIP REWARDS

Earn 20,000 bonus Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership. That’s enough for a return flight from London to over 100 destinations or a £100 Gift Card to spend at over 20 eligible retailers.
For a full list of rewards you can redeem your points for click here. Terms, taxes fees and charges may apply.
Receive a 10,000 Membership Rewards® points anniversary bonus after each year of Cardmembership, when you spend at least £15,000 within the 12 month period of your Card anniversary.

TRAVEL BENEFITS

Transfer your points to 12 major frequent flyer and 3 hotel programmes, redeem them with a wide range of shopping, travel and lifestyle partners or Shop with Points with select retailers online such as Amazon.co.uk and Ticketmaster.co.uk and Ticketmaster.
Receive US $75 hotel credit and room upgrades where available at over 350 hotels globally including Hilton, InterContinental and Sofitel.
Enjoy two complimentary Lounge visits per year to use at over 500 airport lounges globally.
Benefit from Travel Inconvenience Protection and Travel Accident Protection benefits when you pay with your Card.
10% off Hertz base car rental rates, plus a one car class upgrade and additional driver fee waived. Upgrades are subject to availability.

PREMIUM ACCESS

American Express Invites® –
could make your next night out even more memorable. Enjoy access to purchase a wide range of sought after music, theatre and film events, often before they go on general sale.
Taste from American Express Invites –
serves up over 400 specially selected restaurants where Cardmembers can look forward to guaranteed offers, such as discounts off the food bill, or a complimentary bottle of wine or appetiser from the à la carte menu.

Reward yourself

Discover a world of great travel and entertainment benefits available to you with your Preferred Rewards Gold Card.
  • Earn Membership Rewards points on all your spend on purchases
  • Celebrate your Card Anniversary
Read more

Travel

Wherever, whenever and however you travel, our benefits and support could help make your journey even more memorable.
  • Complimentary LOUNGE CLUB™ membership
  • Travel Inconvenience Protection
  • Travel accident Protection
  • 10% off Hertz car rental
  • $75 USD hotel credit and room upgrade
Read more

World-class service

Our service is renowned for being that little bit special. The first person to answer your call will usually be the only person you have to speak to. You can phone, text or email us 24/7 and we're always here to help. And that's just the start of it.
  • Refund Protection
  • Purchase Protection
  • Fraud Guarantee
  • American Express Invites
  • Global Assist®
Read more
Reward yourself
Discover a world of great travel and entertainment benefits available to you with your Preferred Rewards Gold Card.
Earning points
You can earn Membership Rewards points on all your spend on purchases at the following rates:
One point for every £1 spent on purchases on your Card
Two points for every £1 spent directly with airlines or in a foreign currency
Three points for every £1 spent at American Express Travel, your Cardmember exclusive online travel agency.
Spending your points
Transfer your points to 12 major frequent flyer and 3 hotel programmes.
Redeem points with a wide range of shopping, travel and lifestyle partners including Apple, Amazon.co.uk and M&S.
Shop with Points with select retailers online, or even use them to offset purchases on your Card statement. Terms apply.
Book trips through American Express Travel, and even pay for taxes and fees with your points.
Anniversary Bonus
Anniversaries are a special time and we’ll celebrate yours with 10,000 Membership Rewards points after each year of Cardmembership when you spend at least £15,000 within the 12 month period of your Card anniversary. That's worth £50 to spend with our retail partners such as Amazon.co.uk or IKEA Gift Cards or a return flight from London to Paris.
American Express Offers
Cardmembers enjoy the benefit of a range of carefully selected offers from our retail partners. Simply choose the offers you like, save them to your Card, and then spend in line with the offer requirements.
Your points, Your rewards
5,000 points
Travel - £25 Hertz or Europcar gift card
Shopping - £25 Gift Card at M&S, Amazon.co.uk, House of Fraser, Boots, Topshop and others

Experience - £25 Gift Card to redeem at Carluccios and Starbucks
10,000 points
Travel - One night in a Category 2 Hotel with Club Carlson such as the Radisson Blu Hotel, Lisbon. Terms apply.
Shopping - £50 Amazon.co.uk, iTunes or Laithwaites Wine Gift Card and others

Experience - £50 Buyagift.co.uk eCode
20,000 points
Travel - Return flight from London to Ibiza in Euro Traveller class with British Airways Executive Club.
Taxes, fees and carrier changes apply.

Shopping - £100 House of Fraser or Harrods Gift Card

Experience - £100 Spafinders Wellness 365 ecode to spend at over 1,000 of their partners
40,000 points
Travel - one return economy flight to Dubai with Virgin Atlantic*
Shopping - £200 Net-a-Porter or Mr Porter ecode

Experience - £200 Gift Voucher for the May Fair Hotel
*Virgin Atlantic Flying Club Reward flights are subject to payment of applicable taxes, charges, fees and surcharges. The exact amount will be advised at the time of booking online at
www.virginatlantic.com/flyingclub or via The Flying Club helpline.
60,000 points
Travel - Return flight from London to Rio de Janerio in World Traveller class with British Airways Executive Club.
Taxes, fees and carrier changes apply.

Shopping - £300 worth of Harrods Gift Cards

Experience - £300 Mr& Mrs Smith Hotels Ecode
Redeem with American Express or these great partners
Examples representative of redeeming Membership Rewards® points.
Travel
The perfect travel companion
Wherever your journey takes you, our benefits and support could help make it even more memorable.
Hotel benefits
Be our guest all over the world with The Hotel Collection. Enjoy a room upgrade (where available) and a US$75 (approximately £50) hotel credit at over 350 hotels worldwide including Hilton, Sofitel and W hotels – when you book through American Express Travel.
Lounge access
Escape the airport crowds with two complimentary Lounge visits per year at a choice of over 500 lounges worldwide.
Protection
Enjoy the peace of mind that comes with our Travel Inconvenience and Travel Accident protection benefit for you and your family:
Protection for you, your Supplementary Cardmembers, their respective partners and dependent children under the age of 23 whether travelling together or alone, on business or pleasure trips of up to 90 days.
Travel Inconvenience protection covers flight cancellations, delays and delayed luggage when you pay with your Card.
Travel Accident protection of up to £250,000 on public transport when you buy your ticket with your Card.
Car rental benefits
Drive off with complimentary membership to Hertz Gold Plus Rewards and enjoy 10% off car rental, a one car-class upgrade on bookings of five consecutive days or more (if available), and the additional driver fee waived.
World-class service
Refund Protection
Eligible items you buy with your Card in the UK are covered for up to 90 days and we'll replace or refund up to a maximum of £300, even if the retailer won't.
Purchase Protection
If you bought something with your Card that's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item.
Fraud Guarantee
If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.
Global Assist® provides 24/7 help whenever you're travelling outside the UK.
Eligibility
To save time before applying for your Preferred Rewards Gold 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 understand I will not be eligible for any Welcome Bonus award if I hold or have held any Membership Rewards enrolled American Express Card in the past six 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.
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standard Board


Need help completing your application? Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.

Ready to apply?

Earn 20,000 Membership Rewards® when you spend £2,000 in your first three months. Annual fee £140 (£0 in first year).
The Preferred Rewards Gold Card is offered by American Express Services Europe Limited. Click here for more information
Apply Now