Credit and Loans

American Express® Preferred Rewards Gold Card

Discover the best credit card options

American Express® Preferred Rewards Gold Card

Points, Travel Perks & No Annual Fee in Year One

Annual Fee: £0 in the first year (£195 thereafter)
Rewards Rate: Up to 3X Membership Rewards® Points
Intro Offer: 20,000 Membership Rewards® Points
Credit Score: Good to Excellent (700–850)

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Limit card options

Choose the credit limit you want on your credit card and see the available options:

CARDS: LIMIT OF UP TO £1,000

CARDS: LIMIT OF UP TO £3,000

CARDS: LIMIT ABOVE £8,000

Rewards and Travel Benefits

With the Amex Gold Card, earn Membership Rewards® Points and enjoy travel perks like complimentary lounge access and hotel upgrades.

American Express® Preferred Rewards Gold Card

Earn 3X points on flights and 2X on dining and travel. No annual fee for the first year.

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The Application Process

Applying for the Amex Gold Card is quick and secure. You can complete the entire process online in just a few minutes.

An Alternative: Vitality American Express® Credit Card

If you prefer a card with no annual fee and straightforward cashback, consider the Vitality American Express® Credit Card – great for everyday use and travel abroad.

Vitality American Express® Credit Card

No fees on overseas spending and cashback on everyday purchases.

How to apply

Frequently Asked Questions

: It has no annual fee for the first year, then £195 per year after that.
: No, as long as your account is open and in good standing, your points won’t expire.
: Yes, it’s widely accepted internationally, but note there may be foreign transaction fees.