American Express Preferred Rewards Gold Credit Card Review

Unlock a world of rewards, travel perks, and premium experiences with the American Express Preferred Rewards Gold Card – transform your purchases today!

Have you ever wished your everyday purchases could bring you more than just a receipt? With the American Express Preferred Rewards Gold Credit Card, they can. Whether you’re grabbing a morning coffee, planning a holiday, or enjoying a night out, this card transforms spending into points, perks, and privileges. What if your next treat or trip was already in your wallet? Let’s see how your spending could start working harder for you.

Curious about how this credit card can fit seamlessly into your lifestyle and give you access to premium benefits? Keep reading to explore how it might just be the upgrade your financial toolkit needs.

CREDIT CARD

American Express Preferred Rewards Gold

Welcome Bonus 20,000 Exclusive Experiences

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Gold Rewards, Redefined for You

• Membership Rewards Points on All Purchases
  Every time you spend with your card, you’ll earn Membership Rewards points—1 point for every £1 spent. But it doesn’t stop there. For every £5,000 spent, you receive a 2,500 bonus points boost, up to 12,500 points annually. This makes everyday spending work smarter, not harder, giving you the chance to redeem for travel, gifts, or shopping.
• Complimentary Airport Lounge Access
  You get four free visits each year to over 1,300 global airport lounges through Priority Pass™. That means escaping the busy terminal to a peaceful lounge space, no matter where your travels take you. It’s luxury on the go.
• £120 Deliveroo Credit Per Year
  Foodies, rejoice! Enjoy up to £120 a year in Deliveroo credits (£10 monthly), helping you savour great meals from your favourite restaurants. It’s one of the tastiest perks of your card.
• The Hotel Collection Benefits
  When you stay two nights or more at participating hotels, you could get up to $100 hotel credit and a room upgrade (if available). Whether it’s for business or a mini staycation, enjoy VIP treatment every time.
• Comprehensive Travel Insurance
  Your adventures are covered with travel inconvenience insurance. Think flight delays, cancellations or even delayed baggage—you’re protected when you pay for your travel with your card.
• Car Hire Benefits
  Enjoy enhanced service when hiring a car with complimentary Avis Preferred Plus membership. This could mean car upgrades and faster service when you travel, adding ease to your plans.
• Add Family or Friends
  Supplementary cards let you share the rewards with loved ones. They can earn points while you remain in control of the account. A great way to maximise rewards as a household.
• Exclusive Events and Experiences
  Get priority access to special events including live concerts, theatre previews and intimate dinners. Whether it’s entertainment or fine dining, you’re on the guest list.
• Purchase Protection
  With up to 90 days of protection against theft or damage on eligible purchases, shop with peace of mind. It’s confidence in every click and swipe.

Who Can Apply for the American Express Preferred Card? 

• UK Resident
  You must have a permanent UK home address. This ensures you receive all your documents and enjoy UK-specific perks.
• 18 Years or Older
  Applicants must be at least 18 years old to be eligible to apply.
• Good Credit History
  You should have no history of bad debt or county court judgements. A good credit standing helps with a smoother approval process.
• UK Bank Account Holder
  A current UK bank or building society account is required to manage payments and direct debits efficiently.
• Stable Income
  While a specific income isn’t stated, regular and stable income helps strengthen your application.
• No Existing Gold Card
  You cannot currently hold or have held an Amex Gold or similar reward card in the last 24 months.

How to Apply for the American Express Preferred Rewards Gold Credit Card

• Use the Eligibility Checker
  Before applying, use the free eligibility checker on the American Express UK website. It gives an indication without impacting your credit score.
• Complete the Online Form
  Once eligible, fill out the simple online application with personal, financial, and employment details.
• Receive a Decision
  Most applications receive an instant decision, and you’ll know straight away if you’ve been approved.
• Activate the Card
  Once you receive your card, activate it online or through the app to begin using your benefits.
• Register for Online Services
  Track spending, rewards, and statements easily by setting up your online Amex account.
• Start Earning Rewards
  From the moment you start spending, you begin earning points. Redeem them as you go or save up for something big.

Frequently Asked Questions

1. What is the Rzeczywista roczna stopa oprocentowania (RRSO) for the card?

The representative APR is 87.8% variable, including the annual fee after the first year.

2. What type of interest applies to this card?

It has a variable interest rate, meaning it may change depending on financial conditions.

3. Can I transfer points to other loyalty programmes?

Yes! Membership Rewards points can be transferred to various airline and hotel loyalty schemes for flexible travel redemption.

4. Is there an annual fee?

There is no fee in the first year. From the second year onwards, an annual fee of £195 applies.

CREDIT CARD

American Express Preferred Rewards Gold

Welcome Bonus 20,000 Exclusive Experiences

APPLY NOW You will be redirected