American Express® Gold Credit Card
Earn triple points on travel bookings and double points on airline purchases.
Welcome Bonus:
Earn 38,000 Membership Rewards® points when you spend £3,000 in your first three months
Representative Example
Credit Limit
£1,200
Purchase Rate
30.4% variable
Representative APR
87.8% APR variable
Annual Fee
£195 (£0 in first year)
Key Benefits
- 38,000 Membership Rewards® points welcome bonus when spending £3,000 in first 3 months
- Four complimentary airport lounge visits annually
- £120 annual dining credit with Deliveroo
- Travel inconvenience and accident insurance
- Purchase and refund protection
- Access to exclusive events and experiences
- Flexible rewards redemption options
- First year annual fee waiver
Rewards Structure
American Express Travel
3 points per £1 spent
Airline Purchases
2 points per £1 spent
All Other Purchases
1 point per £1 spent
Spending Bonus
2,500 bonus points per £5,000 spent (up to 5 times per year)
Friend Referral
9,000 points per approved friend (up to 90,000 annually)
Travel Benefits
Airport Lounge Access
Four complimentary Priority Pass visits per year at over 1,300 lounges worldwide
Travel Insurance
Comprehensive travel inconvenience and accident insurance when booking with your card
Global Assist
24/7 emergency assistance service when traveling abroad
Lifestyle Benefits
Dining Credit
£10 monthly statement credit with Deliveroo (£120 annual value)
Entertainment
Access to presale tickets and exclusive events through American Express Experiences
Shopping Protection
Purchase protection and refund protection on eligible items
Fees & Rates
Annual Fee
£195 (£0 in first year)
Representative APR
87.8% APR (variable)
Our Verdict
The American Express® Gold Credit Card offers an excellent balance of rewards and benefits for frequent travelers and dining enthusiasts. The first-year fee waiver and generous welcome bonus make it particularly attractive for new cardmembers. The triple points on travel bookings and double points on airline purchases provide great earning potential, while the Deliveroo credits and lounge access add practical value. The card's flexible rewards program allows for various redemption options, from travel to shopping. While the annual fee after the first year is considerable, the benefits can easily outweigh the cost for those who maximize the card's features.