American Express® Preferred Rewards Gold Credit Card

Make your life more rewarding
Representative APR: 56.6% APR variable
New Cardmember Offer
Earn 20,000 Membership Rewards® points
when you spend £3,000 in your first three months of Cardmembership.That’s enough for a £100 Amazon.co.uk Gift Card.
Representative Example
Representative APR56.6% APR variable
Annual Fee£140 (£0 in your first year)
Credit LimitAssumed credit limit of £1,200
Purchase Rate22.2% variable for purchases
Check your eligibility
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
Featured Benefits
Welcome Bonus
Earn 20,000 bonus points when you spend £3,000 in your first three months. Terms Apply.
Earn Points
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 1200 airport lounges globally.
All Benefits
Enjoy Rewards Sooner
Earn Points on All Your Spend
Invite Friends, get Rewarded
Get a Yearly Boost
Complimentary Supplementary Cards
Receive your Card in the Post
Choose The Rewards You Want
Transfer Your Points to Travel Programmes
Pay With Your Points
Use Your Points Whenever You Want
Make Your Lifestyle More Rewarding
Access Global Lounges
Access Exclusive Experiences
Receive Personalised Offers
Live Life Knowing You're in Safe Hands
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.
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.
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.
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