We put you firmly in control when it comes to managing your Account. If you swap from Gold charge to Gold credit, your existing ‘year to date’ spend on Gold charge does NOT carry over . Your American Express Gold Card brings you many special privileges. B. über den Online-Reise-Service. Speak to a specialist: 0800 085 7732. If converted to Avios this would be enough for a return flight to Athens. A quick summary of these (you can see my full review of the American Express Platinum card here) additional perks are as follows: Now let’s look at the value of the individual benefits. Join our mailing list to receive our best articles on luxury worldwide travel and points earning opportunities. Wherever your travels take you, you can take your American Express Charge Card with you. Unless you are spending a significant amount on the card (say £15k+) it would make sense to cancel the American Express Gold card UK once you’ve achieved the sign-up bonus and the 12 month period is up. Explore our range of Cardsâyouâre bound to find something that suits your needs and lifestyle. The sign-up bonus of 10,000 points (12,000 if you use this specific link) for the Amex Gold credit card is one of the most generous in the market at the current time. Who can get a charge card? A similar calculation can be undertaken for the Eurostar lounge access. No spam. Hey there, Just a quick question, if anybody knows. Not yet, anyway. Visit our website to access or register for your online account. When do Radisson points expire? If you’re after a credit card that offers free rental insurance then read my recent review on the Platinum Card (here). – Everything to Know About BA Avios Expiration, The Air France Credit Card UK – Earn Miles for Air France and Others…, British Airways Gold – The Benefits of the BA Executive Club Gold Card. What do these mean then? 9 comments. Learn more about this card, read our expert reviews, and apply online at CreditCards.com. The UK American Express Preferred Rewards Platinum card is issued directly by American Express and is a charge card, not a credit card. For more information, visit the RSA FAQ page.If you would like to make a claim, please visit the RSA claims portal.We encourage you to regularly visit the Government of Canada’s Travel Advice and Advisories page for the most up to date information. Therefore I’d strongly recommend the American Express Gold card UK. 2x points for every £1 spent directly with airlines or in a foreign currency. Subsequent yearsâ renewal terms and conditions are at the discretion of Priority Pass. Register online and you can view and manage your account anytime of the day or night, virtually anywhere in the world â either online or on your mobile. Worth considering! Any additional guests will be charged a fee at the prevailing rate â currently £15 per person, per visit, to his or her American Express Platinum Card. If you’re prepared to pay the £140 for the Amex Gold Rewards, then the saving is even greater! Your Membership Rewards points can be used for hotel stays and generally work out favourably at between 0.5p and 1p per point. What are the Other Amex Gold Card Benefits? A charge card in the UK is similar to a credit card, but has added perks and strict repayment plans. No charge. Metal Amex Gold in the UK? Bearing in mind the renewal fee, I have a few questions which I'm Please do share this post if you think friends would be interested. I currently have an Amex Gold Rewards charge card (UK) which comes with a Lounge Club membership and two free lounge visits. 1. Please read this to understand the limits and exclusions that may apply. Or transfer your points to one of a number airline or hotel partners, including British Airways, Virgin Atlantic and Hilton. You’ll receive two free passes each year and further guests are charged at £20. I applied for AMEX Gold when I got my first job, obviously my income was significantly lower than £40K…but shortly after I submitted the application, I received a phone call from AMEX say they would like to invite me to apply for Platinum card. Similar 0.5p rates are offered on various other retailer gift cards. However, the credit card version falls under the Consumer Credit Act which means you get protection under Section 75 for purchases worth between £100 and £30,000. Here are reasons why we think the American Express Gold is worth the annual fee:. Our early detection systems monitor potentially fraudulent activity, and our Fraud Protection Guarantee means that in the unlikely event you are a victim of card fraud, and you have taken reasonable care with your Card, you won't be held responsible for any costs linked to the fraudulent activity. No matter where you are in the world, our Global Assist® team will provide the help you need in your own language, around the clock. As such by using this link you’re making in the region of £20, with the total benefit somewhere in the region of £120. Welcome bonus and annual fee First, the bad news: The annual fee of £575 is the highest of any publicly advertised American Express card in the U.K. From the above you’ll see that an independent traveller travelling only 1 or 2 times a year will not benefit hugely from the Priority Passes, family travel insurance or car hire and as such the 20,000 Membership Rewards points (worth say £200) would not offset the £575 cost of the Platinum card. This tastefully unembellished card is only available to UK private bank Coutts clients only. Purchases are approved based on a variety of factors including Account history, credit record and personal resources, security may be required. I’ve just run a quick search and the cheapest annual family insurance I can find with similar terms is in the region of £223. Annual fee – There is no avoiding it, the card does have a comparatively high annual fee. 10 visits would cost £200 if you were to use the benefits of the Lounge Club card provided with the Amex Gold credit card. The UK American Express Preferred Rewards Platinum card is issued directly by American Express and is a charge card, not a credit card. You’ll receive family travel Insurance with the Platinum card. Hey there, Just a quick question, if anybody knows. No. Chargebacks on American Express (Amex) cards serve the same function as chargebacks on other credit cards. They're your rewards, your way. Amex charge cards, for example, can’t be switched to a revolving credit card, or vice versa; they’re two different account types. In the UK this provides access to some 28 lounges and as such there’s good coverage. The criteria for applying are fairly lenient: You have a permanent UK home address Cardholders can be pre-approved for loans between $3,500 and $40,000. Enjoy all the benefits, convenience and security of an American Express Card â with the added bonus of accumulating Rewards points which offer you the flexibility to redeem for flights, hotels, gift cards and more. The vast majority of the time I rent a car it’s through work, so this wouldn’t be saving me anything. It appears that JavaScript is either disabled or not supported by your web browser. Additional Services Personal Loans for Select Cardholders. Only Inspiration. An American Express Charge Card could offer you: Whenever you need us, wherever you are, our team of Customer Care Professionals are available 24/7 by phone, text, email or mail. For more information, visit the RSA FAQ page.If you would like to make a claim, please visit the RSA claims portal.We encourage you to regularly visit the Government of Canada’s Travel Advice and Advisories page for the most up to date information. Instead, your purchases are approved on a case-by-case basis based on your history with Amex. This card is a charge card, rather than a credit card, so it has no spending limit or APR, but you must pay off the balance in full each month. Instead, you will need to downgrade from one charge card to another charge card. Review: Amex Gold Card I mostly attribute my point collecting addiction to the American Express Preferred Rewards Gold Card! If your transaction is in US dollars, the amount will be converted directly to pounds sterling. Fees, charges and other costs 2.1 Information for comparison APR . The Amex Gold offers up to $120 in annual statement credits, which can … The Gold card is geared toward people who are big shoppers, eat out a lot, and do a lot of everyday spending. ®. Once you have found the Card that best suits you, read the important information, then click the 'Apply now' button on the page to begin the application process. For complete conditions of use visit prioritypass.com. The process is different, though, in that it is typically more straightforward. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement. These are offered by the Lounge Club network and can be used at most airports throughout the UK – one great perk to complement the free flights. The American Express Gold Card features rich benefits for foodies, including high ongoing rewards at restaurants worldwide, U.S. supermarkets and an annual dining credit. Has talk of interest, annual fees, rates and percentages left you feeling confused? That means if a retailer refuses to give you your money back, we'll refund the purchase price on eligible items purchased on your Card. This was devalued overnight in April 2019 from 20,000 MR points. This was the first rewards card I used where I felt that organising my spending gave me a genuinely worthwhile return. Amex have been trialling a metal version of the Gold American Express in the US, however I’m afraid to say it hasn’t found its way to this side of the pond just yet. In addition, if you have a card that’s attached to a loyalty program, such as one of the Delta SkyMiles credit cards, you cannot switch products to a different rewards program. The American Express Gold Business Charge Card is the step up from Amex’s basic card in the business charge-card family. Earn Membership Rewards points for every pound you spend on the American Express Gold Credit Card: 1x point for every £1 spent on purchases. This would be your base-case scenario. This is waived in your first year, so you can have some time to see if it suits you or not. Die Charge Card ist bei Deutschen der beliebteste Kreditkartentyp. They may offer their own purchase protection or extended warranty cover because they do not come with the Section 75 protection that credit cards offer. American Express UK has launched the Amex Preferred Rewards Gold Credit Card. Many U.K. American Express cards do have annual fees, and this card is one of them. 56.6% APR . Membership Rewards points can be directly converted to Avios and with a number of other partners. In 1958, American Express issued its first charge card, which required payment at the end of every month. I know from mid-June onward the metal Platinum card will be available in the UK, but does anyone know if the metal option will also be a thing for the Gold card? Anyone who holds an American Express Preferred Rewards Gold card can save on the £140 annual fee and bag two free lounge passes by getting the new, near-identical credit card alternative. Join our weekly newsletter and get our best articles to help you travel the world like royalty. Unless you are spending a significant amount on the card (say £15k+) it would make sense to cancel the American Express Gold card UK once you’ve achieved the sign-up bonus and the 12 month period is up. If you continue after the first year, you can still cancel at any time and get a pro-rata refund on your fee. Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month. Transfer Points between Hilton Honors and Marriott Bonvoy (formerly SPG). So should you go for the Amex Gold or Platinum card? American Express Gold cardholders can earn four points for … Therefore for those who are travelling abroad we’d recommend also carrying a 0% FX fee card such as the Revolut Card. Let’s start off with the boring bits. Welcome to my recently updated review of the American Express Preferred Rewards Gold card (Amex Gold Card Review UK). From extended payment days to no pre-set spending limit, our Business Cards provide a range of services to suit your business needs. Inklusive sind unter anderem Sonderkonditionen für die Golf Fee Card und den Priority PassTM, dem persönlichen Zugang zu mehr als 600 Airport VIP Lounges weltweit. Earn Points on All Your Spend. Total Amount Payable. If you’re looking for some ideas as to how to spend the 12,000 air miles you’ve earned from your American Express Gold card UK – take a look at my recent British Airways First Class Review which includes a step by step guide to enable a couple to redeem enough points for two First Class tickets. Unfortunately, similarly to all UK American Express cards, the Amex Gold card charges foreign exchange transaction fees of 2.99%. This thread is archived. Metal Amex Gold in the UK? The American Express Preferred Rewards Gold card is issued directly by American Express and has recently been changed from a charge card to a credit card. Unsurprisingly then, you’ll be offered a 20,000-point bonus for doing so. hide. Between these cards, the American Express Green Card is more affordable than the Amex Gold card, merely costing $150 per year to own. Even better, you can get a higher bonus of 12,000 points if you use this specific link for the Amex Gold card, helping you to fly even further. New comments cannot be posted and votes cannot be cast. Amex Points Value UK – What Are Your Redemptions Worth? Subject to enrolment, for more information click here. Some links to products and partners on this website will earn an affiliate commission. It's also rewarding because the American Express Charge Card lets you maximise your Membership Rewards® points earning potential. As a new Cardmember earn 20,000 bonus Membership Rewards® points if you are approved and spend £3,000 in the first three months of Cardmembership. You have to have booked on your American Express Gold card and there are numerous T&Cs so make sure you check the website. Instead, it's offering a credit card version with the same perks. 5. Charge cards are not advertised with interest rates because your balance should never roll over into the next month. Our Gold Business Card and Platinum Business Card also offer many additional business related benefits. American Express Charges Cards offer no pre-set spending limits and no interest charge as the balance is paid in full each month. Whilst the various hotel schemes have value, it’s slightly more difficult to attribute a definitive value for the various benefits offered. Annual Fees: £125 (£0 in first year) Apply Now Compare Card. Relax and take things easy at a luxury spa. It should also be highlighted that this example assumes you cancel the Amex Gold card after year one and do not incur the annual £140 fee. You can control individual employees' business expenditure by total spend and expense category on each Supplementary Card. Get the most out of your Card with no annual fee. Private Browsing is currently turned on. 4-guest visits occurring 3 times a year – less the two free visits available with the Amex Gold Rewards card – would result in 10 paid visits to a lounge. The interest rate on the American Express Gold card is 22.9% APR variable with a 57.6% APR variable including the annual fee (although the Amex Gold credit card is free for the first 12 months). learn more about the sign up bonus restrictions and our suggested strategy here, you can see my full review of the American Express Platinum card here. For those that don’t know, a charge card needs to be paid in full at the end of each month! If this is the case, you could opt to downgrade your Platinum Card to the American Express® Gold Card, which offers a top-notch rewards rate on worldwide restaurant and U.S. supermarket purchases for a more modest annual fee of $250. If you already have the charge card you can actually cancel that card and sign up to the new credit card and receive the first year free. The Amex Gold card is free for the first 12 months and £140 thereafter. With a fee of £575 pa American Express are keen to encourage existing American Express Gold UK cardholders to upgrade to Platinum. You can use the points on Amazon.co.uk converting to 0.45p or alternatively 0.5p if you purchase an Amazon gift card. See related: American Express® Gold Card vs. You can read my full review of the American Platinum Credit Card here. These do not constitute travel insurance. Find out if you're eligible with our Eligibility Checker, Only takes a couple of minutes to complete. Although Amex is removing its Airline Fee Credit for the Gold Card beginning in 2022, the issuer is clearly still invested in its suite of travel benefits, including re-opening Centurion Lounges (and adding new locations), boosting airline, hotel and rental car offerings and adding new credits for … Perhaps whet your appetite during a culinary experience with a celebrity chef. You can cancel at any point. Platinum Card® from American Express. report. Just useful info.... American Express Gold Card UK – The Sign-Up Bonus. A link to the application form for the free Gold Amex card can be found here. You never know if, at some point, they’ll roll this out in the UK but you’ll just have to make do with the ‘standard’ Amex Gold card for the time being…. Add complimentary Supplementary Cards for Employees to your Gold Business Charge Card Account. Amex has its own conversion rate – slightly different from Mastercard’s and Visa’s, but the gap usually isn’t huge. AMEX Platinum Charge cardholders (both principal and supplementary) will receive ASR Platinum status for two years plus 1,000 bonus points when they sign up for a membership by 31 December 2019. The Amex Gold card does not offer any complimentary airport lounge access. If you are looking to downgrade a charge card then a popular option will be to look at the American Express Green Card — if you were looking to avoid the higher annual fee of the Platinum Card or the Gold Card then this can be a good option. 1. In the past I’ve combined the points I earned from the Amex Gold Credit card with the free night’s stay at ANY Hilton hotel as offered by the Hilton Honors Visa credit card (see my full review of the card here). You’ve probably heard of American Express (Amex) cards – Amex is the best-known provider of charge cards in the UK, but banks also issue them. As such it may be beneficial to cancel the card once you’ve hit the bonus limits. Le Club Accor Credit Card UK – What’s the options? Last week I wrote about how I received some potentially very interesting information from an Amex telephone agent in relation to upgrading my Amex Gold to a Platinum card. Radisson Rewards Expiration…, Do Avios Expire? If you were to transfer the 20,000 American Express Rewards points to say Amazon, you’d get a rate of 0.5p per point, resulting in the points being worth £100. 70% Upvoted. Whilst it comes with a whopping fee of £575 pa sometimes the numerous perks will more than offset the fee. However if you’re a family of 4 which travels 3 times a year and likes to use a lounge, this could offer a chunky saving. And while most charge cards must be paid in full each month, the American Express® Gold Card has a “Pay Over Time” feature that automatically places any eligible balances of at least $100 or more in the Pay Over Time bucket. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Card. - Hi, I currently have an Amex gold card which is due for renewal next month. My Gold Charge Card is coming to the end of its first year soon and I’m wondering what I should do. An additional 20,000 American Express Rewards points for signing up (boosted to a further 23,000 points, Status in various hotel schemes: Gold in Starwood Preferred Guest, Club Carlson, Hilton Honors, Melia Rewards and Jade in Shangri-La Golden Circle. I would however note that the merchant rewards generally equate to less than 0.4p and as such you’d be better off to purchase the item on your credit card (earning additional points) and then write off at a cost of 0.4p as explained above. The American Express® Gold Business Card has no pre-set spending limit 1, giving you purchasing power that adjusts with your use of the Card.No pre-set spending limit does not mean unlimited spending and charges are approved based on your payment history, credit records, spending pattern with us and your current financial resources. When you sign up to the American Express Gold card UK (and every year thereafter) you’ll receive 2 free airport lounge passes. This is one of the best cards for going head-to-head with the Amex Gold Card thanks to both its 4% cash back on dining and 2% back at grocery stores — neither of which has a spending cap or U.S. restrictions. AMEX Gold Card Offer. Choose between a variety of Cards that offer you Avios points or Membership Rewards points for purchases made on your Card. Login here to your American Express Account, Create a New Online Account or Activate a New Card. You can see how I value Avios points here, however I estimate the value to be in the region of 0.8p to 1.3p per point. I hope you’ve found this Amex Gold card review useful and as always please do comment if you have any queries. The Amex Gold card is free for the first 12 months and £140 thereafter. Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit, and no interest charges since you must pay the balance in full at the end of each month. There are various ways in which you can spend the points you’ve earned with the Amex Gold credit card, with the initial sign-up bonus worth anywhere between £54 (at 0.4p per point) and £156 (at 1.3p per point). The annual fee on the Gold Card was raised to $250 (up from $195) (See Rates & Fees), and it’s no longer waived for the first year. Enjoy what you’ve read? Best Air Miles Credit Card UK and those to Avoid! Points are not earned on American Express Travellers Cheques, Foreign Exchange, Express Cash transactions and other Account Charges Including Membership Rewards fees and annual Card fees. Purchases are approved based on a variety of factors including Account history, credit record and personal resources, security may be required. Bottom Line: If you value worldwide lounge access, the Amex Platinum card is a clear winner as the Amex Gold card does not offer any form of airport lounge access. For added protection, selected American Express Charge Cards also offer Refund Protection on eligible items bought in the UK. As such this benefit of an additional 20,000 Membership Rewards points is worth say £200. On the other hand, the Amex Gold card charges $250 per year, but its benefits, including 4X points on restaurants and U.S. supermarket purchases (on up to $25,000 per year in purchases, then 1X) and a bevy of travel credits, easily justify the higher fee. The American Express Preferred Rewards Gold is more generous for larger spenders as it offers a 10,000 point bonus for spending £15,000 in a card year, as well as double points on airline tickets and foreign spending: The Amex Preferred Rewards Gold Credit Card offers the same level of rewards as the Amex Preferred Rewards Gold Charge Card. Why American Express Chargebacks are Different. Warum die Kreditkarte so verbreitet ist und was sie ausmacht, lesen Sie hier. Please note: There is updated information regarding COVID-19 and insurance coverage you may have on your Amex Card effective January 1, 2021. This card is a charge card, rather than a credit card, so it has no spending limit or APR, but you must pay off the balance in full each month. The Gold Card has recently [when?] March 2, 2020 By Ben @ Thrifty Points 2 Comments. At the point I applied it was a charge card … For full site functionality, please open a new window with Private Browsing turned off. Just look out for the additional 2,000 points as shown below in red when you use the referral link. A lot of American Express Platinum cardholders keep the card for its benefits but put their spending on other cards. However, the credit card version falls under the Consumer Credit Act which means you get protection under Section 75 … For this example let’s say they are nice to have but provide no value to offset against the £575 cost for the Platinum Card. Written details are available on request. American Express no longer has a minimum income requirement for the American Express Gold card UK. Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application. No Spam. You say: ★★★★★ We say: ★★★★★ Potential costs: 3.5/5 American Express | Membership Rewards - Amex UK Gold charge card renew/upgrade/replace options? 3 Alternatives to the Amex Gold Card. Yes. Please see the Insurance Terms and Conditions for full details. The American Express Gold Card got a facelift in 2018, unveiling brand new bonus rewards categories. Point for virtually every £1 spent at American Express Gold card got a in... Uk residents but remains a charge card, new customers anybody knows 10,000 Membership Rewards points amex gold charge card uk minimum income for! 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