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American Express® Preferred Rewards Gold Credit Card
Annual fee £140 (£0 in your first year)
Representative Example
Representative APR
Annual fee
Credit Limit
Assumed credit limit of £1,200
Purchase Rate
22.9% variable for purchases
Product TermsRead summary box
Key Benefits
WELCOME BONUS
Earn 10,000 bonus Membership Rewards points when you spend £3,000 in your first three months of Cardmembership.
MEMBERSHIP REWARDS
Get points for every pound you spend, extra points on selected purchases and redeem with a range of shopping, travel and lifestyle partners.
LOUNGE ACCESS
Be rewarded with two complimentary lounge visits per year to use at over 700 airport lounges globally.
TRAVEL BENEFITS
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
Travel benefits
- Airport lounge access
- Hotel room upgrades and credits
- Travel protection
- 24/7 Global Assist®
- Car rental discounts and upgrades
World-class service
- American Express Experiences®
- Borrow on your Card
- Supplementary Cards
- Purchase and refund protection
- American Express offers
- Fraud guarantee
Reward Yourself
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 10,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. That's enough for a £50 Amazon.co.uk Gift Card. You could also choose to fly return from London to one of over 50 destinations such as Milan or Prague. 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 6,000 bonus Membership Rewards® points if they are approved – up to 90,000 points a year.
Travel
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$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 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.
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.
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.
Fraud Guarantee
If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.
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.
- 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
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.
Need help completing your application? Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.
Apply today and get a decision in as little as 60 seconds.
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