American Express Preferred Rewards Gold vs American Express Gold Card (Germany)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
American Express Preferred Rewards Gold wins 3-0. UK spenders who want Membership Rewards points with a free first year. American Express Gold Card (Germany) is still the right call if travellers in germany who want membership rewards and travel insurance..
Side-by-side
| Criterion | American Express Preferred Rewards Gold | American Express Gold Card (Germany) |
|---|---|---|
| Annual fee | £195 | · €240 |
| Joining fee | = None | = None |
| Top reward rate | = 1% (general) | = 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = N/A | = 2% |
| Welcome bonus | 20,000 Membership Rewards points after £3,000 spend in three months | · N/A |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = £20,000 | = Not verified |
| Min credit score | = N/A | = N/A |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
American Express Preferred Rewards Gold
- 1 Membership Rewards point for every £1 spent
- Annual fee £195, £0 in the first year
- Points transfer to airline and hotel partners
American Express Gold Card (Germany)
- 1 Membership Rewards point per €1 spent
- €20 a month (€240 a year), Membership Rewards included
- A 2% foreign currency fee on payments outside the euro area
FAQ
›American Express Preferred Rewards Gold vs American Express Gold Card (Germany): which is better?
American Express Preferred Rewards Gold wins on more dimensions (3 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use American Express Preferred Rewards Gold for its best categories, American Express Gold Card (Germany) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Preferred Rewards Gold: 20,000 Membership Rewards points after £3,000 spend in three months. American Express Gold Card (Germany) doesn't list a welcome bonus.