American Express® Preferred Rewards Gold Credit Card
Get 20,000 Membership Rewards® points when you spend £2,000 in your first three months. That’s enough for many things including a return flight from London to over 100 destinations or a £100 Amazon.co.uk Gift Card.
Annual fee £140 (£0 in your first year)
57.6% APR variable
Assumed credit limit of £1,200
22.9% variable for purchases
Product Terms Read summary box
Already have a Preferred Rewards Gold Charge Card? If so, please read the information here before applying for the new Preferred Rewards Gold Credit Card.If you already hold a Gold Charge Card, your existing product will stay the same. If you wish to apply for the new Gold Credit Card you should know there are key similarities and differences between this new credit card, and the charge card you already hold, including duplication of benefits. This will be a new credit application and terms and conditions apply.
Check your eligibility for The American Express Preferred Rewards Gold Credit Card
- Only takes a couple of minutes to complete
- Will not impact your credit rating
- Allows you to apply with confidence
Earn 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months of Cardmembership.
Get points for every pound you spend, extra points on selected purchases and redeem with a range of shopping, travel and lifestyle partners.
Be rewarded with two complimentary lounge visits per year to use at over 700 airport lounges globally.
Enjoy access to valuable travel benefits including hotel room and car rental upgrades.
- Welcome bonus points
- Earn points on all purchases
- Extra points on selected purchases
- Card anniversary bonus points
- Use points the way you want
- No points expiry date
- Airport lounge access
- Hotel room upgrades and credits
- Travel protection
- 24/7 Global Assist®
- Car rental discounts and upgrades
- American Express Invites®
- Borrow on your Card
- Supplementary Cards
- Purchase and refund protection
- American Express offers
- Fraud guarantee
Membership Rewards is our way of saying ‘thank you’. Our customer loyalty programme rewards you every time you spend on your Card and you get to choose how to use your points. Visit our Membership Rewards page to find out more.
Earn 20,000 Membership Rewards points when you spend £2,000 in your first three months of Cardmembership. That’s enough for a £100 Amazon.co.uk or Marks and Spencer Gift Card. You could also choose to fly return to one of over 100 destinations such as Marrakech or St Petersburg. Terms apply.
Earn Membership Rewards points on all your 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 exclusive Cardmember online travel site.
Celebrate 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.
Use points the way you want
Unlike other loyalty programmes, Membership Rewards points never expire. Get shopping, travel and entertainment rewards or even offset any purchase made on your Card. Visit our Membership Rewards page to see more ways you can use your points.
Refer friends, get rewarded
Get a points boost. Refer friends and earn 9,000 bonus Membership Rewards® points if they are approved – up to 90,000 points a year.
Escape the airport crowds with two complimentary lounge visits per year at a choice of over 700 lounges worldwide.
With The Hotel Collection enjoy a room upgrade (where available) and a US$75 hotel credit when you stay two consecutive nights at over 500 hotels worldwide including Hilton Hotels, Intercontinental and Hyatt Hotels when you book online via American Express Travel.
Travel Inconvenience and Travel Accident 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 leisure trips.
24/7 Global Assist®
Global assist provides 24/7 help whenever you are travelling outside the UK.
Receive 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.
American Express Invites
Get access to advance tickets for the most exciting events, gigs and films. You’ll also find specially reserved seats for Cardmembers only. Plus enjoy access to dining offers and discounts off your food bill at over 600 restaurants with our Taste programme.
American Express Offers
Enjoy carefully selected offers from our range of retail partners. Simply choose the offers you like, save them to your Card and then spend in line with the offer requirements.
Earn points faster. Share the benefits of your American Express Preferred Rewards Gold Credit Card with those closest to you and earn points for their purchases. Your first Supplementary Card is complimentary; each additional Supplementary Card will be charged at £45 per year.
With your Credit Card you have the freedom to pay off your balance all at once or over several months.
Purchase Protection and Refund Protection covers eligible items purchased using the Card.
If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.
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 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.
Please ensure that you have read and downloaded these important documents before starting your application.
- Read Terms and Conditions
- Read Summary Box
- Read Standard European Consumer Credit Information and Additional Explanations
- Read Insurance
- Statement of Lender and Borrower Responsibilities
- Read Membership Rewards Terms and Conditions
- Cardmember Privacy Statement
Ready to apply?
Choose a return flight from London to one of over 100 destinations using your bonus Membership Rewards points when you spend £2,000 in your first three months. Representative 57.6% APR variable.
Other cards you may be interested in
Earn 30,000 Membership Rewards® points when you spend £2,000 in your first three months of Cardmembership
Annual Fee £450
- Complimentary access to over 1,000 airport lounges across more than 120 countries worldwide.
- Comprehensive worldwide travel protection for you, your family and your Supplementary Cardmembers.
- Access extra value and exclusive benefits all around the world including complimentary room upgrades upon arrival (when available) and a late check-out.
- Get points for every pound you spend and redeem with a range of shopping, travel and lifestyle partners.
5,000 bonus Avios
welcome offer. No annual fee.
Representative 22.9% APR variable
- The Card that allows you to collect Avios on purchases you are already making, with no annual fee
- 5,000 bonus Avios welcome offer, if you spend £1,000 in your first three months of Cardmembership
- Collect 1 Avios for virtually every £1 spent