You are one step away from the American Express Gold Credit Card. Check the eligibility criteria and how the eligibility checker works before you apply.
Check each requirement below before you apply. Knowing your chances first helps protect your credit score.
An eligibility check uses a soft search, so you can see your chances without affecting your credit score.
Check first, apply with confidence
Rewards pointsFree first yearTravel rewards
📋 Eligibility
- Age: You must be aged 18 or over.
- Residency: You must be a permanent UK resident with a UK address history.
- Income: American Express asks for an income of at least £20,000 a year for its personal cards.
- Bank account: You need a UK bank or building society current account to set up repayments.
- Credit check: You should have no history of bad debt; a full credit check is made and the card appears on your credit file.
🔍 How to check your eligibility
- Open the American Express Services Europe Limited eligibility checker or card page.
- Enter a few details about your income and address.
- See your result with a soft search before submitting a full application.
✅ Good to know
- Bonus points: 5,000 bonus points when you spend £10,000, up to 10,000 a year.
- Travel earning: Higher earn rates on airline, foreign currency and Amex Travel spend.
- Supplementary card: Complimentary supplementary card available.
The annual fee applies from year two; points value depends on how you redeem them.