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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Head-to-head
American Express Preferred Rewards Gold Credit Card vs HSBC Premier World Elite Mastercard
Compare American Express Preferred Rewards Gold Credit Card and HSBC Premier World Elite Mastercard side by side: fees, rewards, APR, and perks.
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HSBC Premier World Elite Mastercard
Points
HSBC Premier World Elite Mastercard
HSBC UK - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
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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 Preferred Rewards Gold Credit Card | HSBC Premier World Elite Mastercard |
|---|---|---|
| Card fee | £195 GBP/yr (≈ $240) | £290 GBP/yr (≈ $360) |
| Purchase APR (from) | 29.1% | 29.9% |
| Interest-free period | 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. | Earn 3 HSBC points per £1 on sterling purchases and 4 points per £1 on foreign-currency purchases. Points transfer to 11 airline and hotel programmes including Avios (2:1 ratio), Emirates, Etihad, Flying Blue, Qantas, Singapore Airlines, Qatar, Air India, Asia Miles, IHG One Rewards, and Wyndham Rewards. 40,000 anniversary points bonus (worth 20,000 Avios) upon hitting £12,000 annual spend. |
| Installments | 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 HSBC Premier World Elite Mastercard 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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