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

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

American Express Preferred Rewards Gold Credit Card vs Nectar American Express Credit Card

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

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

American Express Preferred Rewards Gold Credit Card versus Nectar American Express Credit Card compared by attribute
Feature American Express Preferred Rewards Gold Credit Card Nectar American Express Credit Card
Card fee £195 GBP/yr (≈ $240) £30 GBP/yr (≈ $38)
Purchase APR (from) 29.1% 29.1%
Interest-free period 56 days 56 days
Foreign transaction fee 2.99% 2.99%
Rewards 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. 2 Nectar points per £1 on everyday purchases; 3 Nectar points per £1 at Nectar partner retailers (Sainsbury's, Argos, eBay, etc.). Points worth 0.5p each at Sainsbury's/Argos, equivalent to approximately 1% cashback on general spend.
Installments Flexible instalment plan available 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 Preferred Rewards Gold Credit Card if its checked rows above line up with how you spend most.
  • Choose the Nectar American Express 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 Preferred Rewards Gold Credit Card Full review Nectar American Express Credit Card

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards