Eligibility Requirements
- Aged 18 or over
- Permanent UK home address
- UK bank or building society account
- Minimum annual income of £20,000
- No history of bad debt
- No personal American Express® Cards held in the last 24 months
American Express Preferred Rewards Gold Credit Card application steps
- Click Apply Now to start your credit card application online
- Complete the form with personal and financial details
- Receive an instant decision with no impact on your credit score
- Accept the offer and receive your card by post
Frequently Asked Questions
What is the minimum income to apply for the card?
Applicants must earn at least £20,000 per year.
How do I track my credit card application?
You can track updates via email and through your American Express online account.
How long does it take for my card to be approved?
Many applicants receive a decision within 60 seconds of applying.
Can I be approved for the American Express Preferred Rewards Gold Card with a low score?
Approval depends on your overall credit profile; this card is generally suited to applicants with good credit.