American Express Cashback Credit Card
Cash back
American Express Cashback Credit Card
American Express UK - American Express - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
American Express Cashback Credit Card vs American Express Preferred Rewards Gold Credit Card
Compare American Express Cashback Credit Card and American Express Preferred Rewards Gold Credit Card side by side: fees, rewards, APR, and perks.
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American Express Preferred Rewards Gold Credit Card
Points
American Express Preferred Rewards Gold Credit Card
American Express UK - American Express - Credit card
4.4
4.4 out of 5
8.8/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | American Express Cashback Credit Card | American Express Preferred Rewards Gold Credit Card |
|---|---|---|
| Card fee | £25 GBP/yr (≈ $31) | £195 GBP/yr (≈ $240) |
| Purchase APR (from) | 34.6% | 29.1% |
| Interest-free period | 56 days | 56 days |
| Foreign transaction fee | 2.99% | 2.99% |
| Rewards | 0.75% cashback on the first £10,000 of annual spend; 1.25% on spend above £10,000. Introductory 5% cashback (capped at £125) for the first 3 months. | 1 Membership Rewards point per £1 on general spend; 2 points per £1 on foreign currency transactions and direct airline purchases; 3 points per £1 when booking travel through Amex Travel. Bonus 5,000 points at £10,000 annual spend; additional 5,000 at £20,000. |
| Installments | Flexible instalment plan available (Pay It Plan It) | Flexible instalment plan available |
| No card fee | - | - |
| No foreign transaction fee | - | - |
| Welcome bonus | ||
| Airport lounge access | - | |
| Travel insurance | ||
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the American Express Cashback Credit Card if its checked rows above line up with how you spend most.
- Choose the American Express Preferred Rewards Gold Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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