Preferred Rewards Gold Credit Card

Key facts
Representative APR	85.8% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£195 annual (£0 first year)
Foreign transaction fee	—
Standard purchase rate	29.1%
Rewards / cashback	3x points Amex Travel, 2x airlines/foreign currency, 1x elsewhere
Airport lounge access	Yes – 4 complimentary Priority Pass lounge visits a year at up to 1,300 lounges.

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Source: americanexpress.com/en-gb/credit-cards/gold-credit-card/ · Last checked 30 October 2026

Figures are as published by American Express when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.