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

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

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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 Biscuit by Zopa compared by attribute
Feature American Express Preferred Rewards Gold Credit Card Biscuit by Zopa
Card fee £195 GBP/yr (≈ $240) No fee
Purchase APR (from) 29.1% -
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. 2% cashback on eligible Direct Debit bill payments, on up to £1,500 of Direct Debits per year (maximum £30 cashback per year). Also earns 2.00% AER variable interest on the full everyday balance with no upper limit.
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 Biscuit by Zopa 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 Biscuit by Zopa

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