American Express^® Preferred Rewards Gold Credit Card

Amex^® Cashback Everyday Credit Card

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Basic Card

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Amazon Business Prime American Express^® Card

Amazon Business American Express^® Card

The American Express® Business Basic Card

American Express^® Preferred Rewards Gold Credit Card

American Express<sup>®</sup> Preferred Rewards Gold Credit Card

APPLY WITH CONFIDENCE

Get an instant decision without impacting your credit score

If you're approved and accept a Card, an entry will be visible on your credit file.

Apply Now

Here's how this works

Representative Example

Representative APR

87.8% APR variable

Annual Fee

£195 (£0 in your first year)

Credit Limit

Assumed credit limit of £1,200

Purchase Rate

30.4% variable for purchases

New Cardmember Offer

LIMITED TIME OFFER. NEW CARDMEMBERS ONLY.

Earn 20,000 30,000 Membership Rewards^® points

when you spend £3,000 in your first three months of Cardmembership. Offer ends 27 May 2025. New Cardmembers only. Terms apply, 18+, subject to status.

How You Earn

3X Points On American Express^® Travel
for every £1 spent
2X Points On purchases made directly with airlines
for every £1 spent
1X Points On purchases
for every £1 spent
9,000 Points Invite a Friend
And earn at least 9000 Membership Rewards Points if they are approved - up to 90,000 a year
12,500 Bonus Points
Receive 2,500 bonus points per £5,000 spent on your Card, – up to five times per Cardmembership year

Key Benefits

Redeeming Points

Discover the flexibility of your Membership Rewards^® points. From luxury retail purchases, reducing your Card balance, redeeming Gift Cards, to planning your next vacation - whatever your taste, the perfect reward awaits you - plus there’s no limits on how many you could earn, and they never expire!
• Use points towards purchases made on your Card. From a trip away, to dining out, once an eligible purchase appears on your statement, you can pay for it with your points.
• Shop with Points online with hundreds of retailers including John Lewis, Selfridges and Amazon.
• Redeem points on eligible purchases at PayPal by choosing to use either PayPal Pay with Points, your American Express® Card, or a combination of both.
• Purchase Gift Cards from a range of well-known brands.
• Transfer points to an Amex loyalty partner programme including British Airways Executive Club or Emirates Skywards.
And many more – 25,000 points is worth up to £125 in gift cards!

Welcome Bonus

Earn ~~20,000~~ 30,000 Membership Rewards^® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 27 May 2025. New Cardmembers only. Terms apply, 18+, subject to status.

Get points on all your spend

You get 1 Membership Reward point for every £1 you spend plus get up to 12,500 bonus points a year. Then use your points to offset virtually anything you’ve bought on your Card, or redeem with a range of shopping, travel and lifestyle partners.

Enjoy 4 airport lounge passes yearly

Arrive at the airport in good time, spend time in the lounge to chill out, enjoy a meal before a flight and let all your cares slip away.
Get x4 complimentary Priority Pass airport lounge visits at up to 1,300 lounges at major airports around the world with your Priority Pass membership.

Get £10 back a month on Deliveroo

Just in from work, kicking off your shoes and craving your favourite food? Or maybe you have friends coming round and you want to put on a no-fuss feast?
Get £5 back twice a month with Deliveroo, that’s a tasty £120 back yearly, treating yourself to an amazing range of delicious takeaways for less.
Terms apply. Enrolment required.

Exclusive access to Amex Experiences^®

Whether it's film, music, theatre or dining, American Express gives you access to purchase tickets for incredible events and enjoy exclusive Cardmember benefits as well.
Cardmembers are also invited to sit back and relax before their next show with complimentary access to the American Express Lounge at The O2 London. Learn more by visiting here.

Enjoy the brands you love, for less with Amex Offers

Get statement credit back with Amex Offers while shopping at your favourite brands. That could be a new pair of shoes, tonight’s dinner, or even your next getaway.

Plan It^TM – Instalment Plans from American Express

Spread the cost of your purchases of £100 or more into monthly instalments with a fixed fee.
- No additional application or extra credit checks required
- A fixed monthly fee is shown upfront, with no interest charged on your instalment plan balance
- Earn rewards on the purchases the way you usually do

Learn more by visiting here.

All Benefits

Earn More Rewards

Get Points on All Your Spend

Earn Additional points

Invite Friends, get Rewarded

Complimentary Supplementary Card

Get Points on All Your Spend

Get 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.

Earn Additional points

Every time you spend £5,000 you will get 2,500 bonus Membership Rewards points, up to 12,500 bonus points per year. With 1x point you get for every £1 spend plus the bonus Membership Rewards points - you could get up to 1.5 points for every £1 you spend.

Invite Friends, get Rewarded

Invite a friend and earn at least 9,000* bonus Membership Rewards points if they are approved – up to 90,000 points a year. You can put them towards flights, Amazon purchases or paying off your balance. Find out more here.

Complimentary Supplementary Card

Add family members or a partner to your Account and earn Rewards faster.

Choose The Rewards You Want

Use Points to Shop Online

Use Points to Reduce Your Card Balance

Purchase Gift Cards

Transfer Your Points to Travel Loyalty Partners

Use Points to Shop Online

• Use points with Safekey at over 1,000 online stores, travel brands, takeaways and many more.
• Redeem points on eligible purchases at PayPal by choosing to use either PayPal Pay with Points, your American Express Card, or a combination of both.
• Select & Pay with Points online with hundreds of retailers including John Lewis, Selfridges and Amazon.
• Use Points to Donate to Charity.

Use Points to Reduce Your Card Balance

• Use points to reduce or cover the cost of purchases made on your Card. From a trip away, to dining out, once an eligible purchase appears on your statement, you can pay for it with your points.

Purchase Gift Cards

• Use Membership Rewards points to purchase Gift Cards across a mix of categories, including dining & experiences, retail, health and wellness brands.

Transfer Your Points to Travel Loyalty Partners

• You can transfer your Membership Rewards points to an Amex loyalty partner programme, like your favourite airline and hotel, including British Airways Executive Club or Emirates Skywards.

Make Your Lifestyle More Rewarding

4 airport lounge passes yearly

Access Exclusive Experiences

£5 back twice a month on Deliveroo

Purchase Protection

Refund Protection

Global Assist^®

Receive Personalised Offers

Travel Accident and Travel Inconvenience Insurance

Live Life Knowing You're in Safe Hands

4 airport lounge passes yearly

Take advantage of 4 complimentary Priority Pass airport lounge visits every year giving you access to over 1,300 airports globally. You can use all 4 passes for yourself or share with a friend or family member you are travelling with.

Access Exclusive Experiences

Get access to advance tickets for the most exciting events, gigs and films with American Express® Experiences. Gold Cardmembers also have exclusive access to unique, shareable and memorable events. See the types of events you can get access through the Eat Life website - https://eat-life.com/

£5 back twice a month on Deliveroo

Just when you thought things couldn’t get any tastier. Enrol to enjoy all your favourite dishes Deliveroo’d to your door, and get £5 back on eligible purchases. Twice every month.

Purchase Protection

Sometimes bad luck strikes. So, if you buy an eligible item on your Card and it’s stolen or damaged within 90 days of purchase, we’ll cover the cost of repair or replacement for the item, subject to excess, up to £2,500 per eligible item.

Refund Protection

Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won’t refund you, we’ll replace or refund you up to a maximum of £300.

Global Assist^®

Global assist provides 24/7 help whenever you are travelling outside the UK.

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.

Travel Accident and Travel Inconvenience Insurance

On the move? You’re protected when you use the Card to book your travel, with Travel Accident Insurance up to £250,000 and Travel Inconvenience Insurance up to £200.

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. And if you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you with our Fraud Guarantee.

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.

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.

Compare the American Express^® Preferred Rewards Gold Credit Card to Other Cards

Apply today with confidence

Get an instant decision without impacting your credit score.

If you're approved and accept a Card, an entry will be visible on your credit file.

Apply Now

Here's how this works

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American Express® Preferred Rewards Gold Credit Card

Get an instant decision without impacting your credit score

Earn 20,000 30,000 Membership Rewards® points

3X Points On American Express® Travel

3X

Points

On American Express® Travel

for every £1 spent

2X Points On purchases made directly with airlines

2X

Points

On purchases made directly with airlines

for every £1 spent

1X Points On purchases

1X

Points

On purchases

for every £1 spent

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