American Express® Preferred Rewards Gold Credit Card

Key facts

Annual fee

£195

Purchase APR

29.1% p.a. (variable)

Network

AMEX

Welcome offer

Earn 20,000 Membership Rewards® bonus points when you spend £3,000 in your first three months of Cardmembership. Terms apply, 18+, subject to status. This new Cardmember offer is only available if you don’t currently have a personal American Express® Card, and haven’t had one in the last 24 months.

Benefits and perks

• Get points on all your spend. You get 1 Membership Rewards point for every £1 you spend. Plus, you get 5,000 bonus Membership Rewards points when you spend £10,000, up to 10,000 bonus points per 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.
• 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.
• 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.
• 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.
• Get Points on All Your Spend. Get Membership Rewards points for every pound you spend on the American Express Gold Credit Card:
• Earn bonus points. Get 5,000 bonus Membership Rewards points when you spend £10,000, up to 10,000 bonus points per year.
• 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.
• 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.
• 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.
• £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 Protection.

Questions about the American Express® Preferred Rewards Gold Credit Card