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 Monzo Flex
Compare American Express Preferred Rewards Gold Credit Card and Monzo Flex side by side: fees, rewards, APR, and perks.
Last verified
Monzo Flex
Cash back
Monzo Flex
Monzo - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
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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 | Monzo Flex |
|---|---|---|
| Card fee | £195 GBP/yr (≈ $240) | No fee |
| Purchase APR (from) | 29.1% | 29% |
| Interest-free period | 56 days | - |
| Foreign transaction fee | 2.99% | 0% |
| 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 cashback at selected partner brands (2–10% depending on offer; partners include Asda, Boots, Currys, Disney+, eBay, Foot Locker and others). Offers are personalised and time-limited; cashback credited to a Cashback Pot within 2–3 days. |
| Installments | Flexible instalment plan available | Pay in full at next payment date (0% interest); or split any purchase of £100+ into 3 months at 0%; or spread over 6, 12 or 24 months at 29% APR (variable). No early repayment fee. |
| 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 Monzo Flex 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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