United KingdomChange Country
View all Cards

American Express® Preferred Rewards Gold Credit Card

New Cardmember offer. Earn 20,000 Membership Rewards® points when you spend £3,000 in your first six months of Cardmembership. Offer ends 29 June 2020. Terms apply
Annual fee £140 (£0 in your first year)
Representative Example

Representative APR
56.6% APR variable
Annual fee
£140 (£0 in your first year)
Credit Limit
Assumed credit limit of £1,200
Purchase Rate
22.2% variable for purchases
Product TermsRead summary box

Key Benefits

The Credit Card That Rewards You, Your Way

Earn points on everything you buy with your Card and redeem them however you choose. From booking your next trip away through our 12 airline partners to paying with your points on amazon.co.uk, the choice is yours.

Earn Points Every Time You Spend

Earn 1x Membership Rewards point for every £1 you spend and 2x points for any airline purchase.

Choose Your Rewards

Use your points to offset virtually anything you’ve bought on your Card, or redeem with a range of shopping, travel and lifestyle partners.

Access Global Lounges

Take advantage of two complimentary lounge visits per year at over 700 airport lounges globally.

Enjoy Rewards Sooner

  • Earn Points on All Your Spend
  • Get a Yearly Boost
  • Refer Friends and Get Rewarded
  • Complimentary Supplementary Cards
Read more

Choose The Rewards You Want

  • Transfer Your Points to Travel Programmes
  • Use Your Points Whenever You Want
  • Pay With Your Points
Read more

Make Your Lifestyle More Rewarding

  • Access Global Lounges
  • Receive Personalised Offers
  • Access Exclusive Experiences
  • Live Life Knowing You’re in Safe Hands
Read more
Enjoy Rewards Sooner
Earn Points on All Your Spend
Earn 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.
Refer Friends and Get Rewarded
Refer friends and earn 6,000 bonus Membership Rewards® points if they are approved – up to 90,000 points a year.
Get a Yearly Boost
Earn an additional 10,000 Membership Rewards points each year when you spend at least £15,000 within the 12-month period of your Card anniversary.
Complimentary Supplementary Cards
Add family members or a partner to your Account and earn Rewards faster.
Choose The Rewards You Want
Transfer Your Points to Travel Programmes
Transfer your Membership Rewards® points to 12 airline partners' loyalty programmes, including:
  • British Airways Executive Club
  • Emirates Skywards
  • Virgin Atlantic Flying Club

    Find out more.
Pay With Your Points
Use your Membership Rewards® points to make eligible purchases at merchants such as Amazon.co.uk and Ticketmaster.
Use Your Points Whenever You Want
Unlike other loyalty programmes, Membership Rewards points never expire.
Make Your Lifestyle More Rewarding
Access Global Lounges
Take advantage of two complimentary lounge visits per year at over 700 airport lounges globally.
Access Exclusive Experiences
Get access to advance tickets for the most exciting events, gigs and films with American Express Experiences. You’ll also find specially reserved seats for American Express Cardmembers only. See the latest here.
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.
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.
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 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.
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board


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.

Apply today and get a decision in as little as 60 seconds.
American Express Preferred Rewards Gold Credit Card is offered by American Express Services Europe Limited. Click here for more information
American Express Preferred Rewards Gold Credit Card is offered by American Express Services Europe Limited. Click here for more information