Amex Gold Card
American Express
Annual fee
£195
Rewards rate
1%-0.5%
Welcome Bonus
40,000 Membership Rewards points
Apply Now →on American Express's website
Regular APR:85.8% APR variable
- 1%Membership Rewards points on all purchases
- Additional pointsBonus points for spending £10,000
Welcome Bonus:
Get 40,000 Membership Rewards points when you spend £5,000 in the first six months.
Reward Rate:
Earn 1 Membership Rewards point per £1 spent, with additional points for higher spending.
APR:
85.8% APR variable
The standout feature here is the generous welcome bonus of 40,000 Membership Rewards points, making the Amex Gold Card an attractive option for those who spend significantly on travel and dining.
Pros:
- High rewards on travel and dining
- Generous welcome bonus
Cons:
- High annual fee after the first year
- Requires significant spending to maximize rewards
The Amex Gold Card is particularly suitable for individuals who frequently spend on dining and travel, as it offers a substantial welcome bonus and rewards in these categories. However, its annual fee and lower reward rates on non-bonus spending may not appeal to those with less intensive spending habits.