American Express Cashback Everyday Credit Card vs American Express Preferred Rewards Gold Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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American Express Cashback Everyday Credit Card vs American Express Preferred Rewards Gold Credit Card

Compare American Express Cashback Everyday Credit Card and American Express Preferred Rewards Gold Credit Card side by side: fees, rewards, APR, and perks.

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American Express Cashback Everyday Credit Card versus American Express Preferred Rewards Gold Credit Card compared by attribute
Feature American Express Cashback Everyday Credit Card American Express Preferred Rewards Gold Credit Card
Card fee No fee £195 GBP/yr (≈ $240)
Purchase APR (from) 29.1% 29.1%
Interest-free period 56 days 56 days
Foreign transaction fee 2.99% 2.99%
Rewards 0.5% cashback on up to £10,000 annual spend; 1% on spend above £10,000. Minimum £3,000 annual spend required to earn any cashback. Introductory 5% cashback (capped at £125) for the first 5 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): fixed monthly fee, no interest, terms of 3, 6, or 12 months 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 Everyday 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.
Full review American Express Cashback Everyday Credit Card Full review American Express Preferred Rewards Gold Credit Card

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