American Express Gold Card
American Express UK · Reward Points · Reward Points
This comprehensive guide covers the American Express Gold Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The American Express Gold Card from American Express UK offers reward points rewards redeemable as reward points. Top earning categories include 3x on dining & flights and more. This card has no annual fee.
Best for: Dining, Travel, Grocery, General Online
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 300 pts/$100 3x on dining & flights
- 200 pts/$100 2x on UK supermarkets
- 100 pts/$100 1x on everything else
Important Notes
- Membership Rewards points transfer to British Airways Avios at 1:1, Virgin Atlantic Flying Club at 1:1.
- Dining earn is capped at 10,000 bonus points per year.
- Annual dining credit of up to £120 (up to £10 per month) included.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
American Express Gold Card vs Similar Cards
- British Airways American Express Premium — Aviios · £190
- British Airways American Express Card — Travel Miles · £0
- British Airways American Express Premium Plus Card — Travel Miles · £250
Maximize Your Rewards
To earn the highest rewards, use the American Express Gold Card for its bonus categories: Dining, Travel, Grocery, General Online, Online Retail.