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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


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.


Get points for every pound you spend, extra points on selected purchases and redeem with a range of shopping, lifestyle and travel 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.

Reward yourself

  • 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
Read more

World-class service

  • American Express Experiences®
  • Borrow on your Card
  • Supplementary Cards
  • Purchase and refund protection
  • American Express offers
  • Fraud guarantee
Read more

Travel benefits

  • Airport lounge access
  • Hotel room upgrades and credits
  • Travel protection
  • 24/7 Global Assist®
  • Car rental discounts and upgrades
Read more
Reward Yourself
Membership Rewards points
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.
Welcome Bonus
Earn 20,000 Membership Rewards points when you spend £3,000 in your first six months of Cardmembership. That’s enough for a £100 Amazon.co.uk Gift Card. You could also choose to fly return from London to one of over 100 destinations. Offer ends 29 June 2020. Terms apply.
Earn Membership Rewards
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.
Anniversary Bonus
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.

Invite friends, get rewarded
Invite a friend and earn 6,000 bonus Membership Rewards points if they are approved – up to 90,000 points a year. You can put them towards Amazon purchases, flights or paying off your balance. Find out more here.
World-class Service
American Express Experiences
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.
Supplementary Cards
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.
Borrow on your Card
With your Credit Card you have the freedom to pay off your balance all at once or over several months.
Purchase and Refund Protection
Purchase Protection and Refund Protection covers eligible items purchased using the Card.
Fraud Guarantee
If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.
Airport Lounge Access
Escape the airport crowds with two complimentary lounge visits per year at a choice of over 700 lounges worldwide.
Hotel Benefits
With The Hotel Collection enjoy a room upgrade (where available) and a US$100 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 Protection
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.
Car Rental Benefits
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.
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