AMEX Preferred Rewards Gold UK - Rewards Calculator & Benefits

The AMEX Preferred Rewards Gold earns 3x points on AMEX Travel and 2x on airline and foreign currency purchases. Review benefits and calculate AMEX Points.
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Non-Sterling Transaction Fee

Rewards Rate Details

The AMEX Preferred Rewards Gold Card features three bonus categories. Those categories are American Express Travel Portal, airline spend directly with an airline, and foreign transactions.

There's no limit to the amount of bonus points you can earn spending across these categories and no limit to the amount of points you can earn in general with the card.

  • 3x American Express Travel Portal
  • 2x Airline
    • Must be purchased directly with airline; No third party airline purchases.
  • 2x Transaction In A Foreign Currency
    • This goes for any eligible purchase that is not in "£".
  • 1x Non-Category

Perks & Benefits

The AMEX Preferred Rewards Gold Card features a great amount of benefits that can make travel smooth.

  • Annual 10,000 Point Bonus w/ Spend
    • Awarded each year of cardmembership spending at least £15,000 within the 12 month period of your Card anniversary.
  • Two Complimentary Lounge Visits Per Year
    • You'll receive Lounge Club membership along with the two free passes annually in your account.
  • The Hotel Collection
    • Benefits include a $100 USD hotel credit on charges to the room such as dining, spa, and golf as well as complimentary room upgrades at check-in when available.
    • Must book two conescutive nights through the portal on the AMEX credit card.
  • Hertz Car Rental Benefits
    • One-car class upgrades on 5+ consecutive day rentals.
    • Waived fee for one additional driver.
  • AMEX Offers
  • AMEX Experiences
  • Insurance and Protections
    • Purchase Protection
    • Refund Protection
    • Flight Delay / Overbooking / Missed Connection Reimbursement
    • Baggage Delay

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The cost to add supplementary cards to the account.
£ 0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
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This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Card 2
American Express® Preferred Rewards Gold Credit Card
American Express® Preferred Rewards Gold Credit Card
Intro Bonus
View Issuer's Website
Rewards Rate
Earn 3X points for every £1 spent at American Express Travel.
Earn 2x points for every £1 spent directly with airlines or in a foreign currency.
Earn 1X points for every £1 spent on all other purchases.
Main Card Highlights
  • Deliveroo Benefit Exclusively For Gold Cardmembers - Enrol to enjoy all your favourite dishes Deliveroo’d to your door, and get £5 back. Twice every month.
  • Take advantage of two complimentary Priority Pass lounge visits per year at over 1200 airport lounges globally.
  • Earn an additional 10,000 Membership Rewards points each year when you spend at least £15,000 within the 12-month period of your Card anniversary.
  • Transfer your Membership Rewards® points to 12 airline partners' loyalty programmes including British Airways Executive Club, Emirates Skywards, and Virgin Atlantic Flying Club.
  • Use your Membership Rewards® points to make eligible purchases at merchants such as and Ticketmaster.
  • Purchase Protection and Refund Protection covers eligible items purchased using the Card.
Annual Fee
£140 (£0 in your first year)
Supplementary Cards
£0 for first card, then £45 for each additional card
Non-Sterling Transaction Fee
Updated 2021-08-20 By Robert Flowers III
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