Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

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AmEx Preferred Reward Gold

Will you get it?


Will you get it?



Amex Preferred Reward Gold

Get £100 in vouchers when you spend £2,000
Click here for full card info

Surprisingly, this is a charge card, not a credit card. But accepted new Amex Preferred Rewards Gold charge card holders get 20,000 Rewards points, worth £100 in vouchers, when they spend £2,000 in the first three months.

  • Because it's a charge card, you HAVE to pay it off each month, there's no credit facility.
  • If you don't pay it off, you'll get a £12 late fee, and a mark on your credit file.
  • This card usually has a £140 annual fee, but for now is fee-free in the first year. To avoid paying £140, diarise to cancel before year two starts.
  • You earn 1 point per £1 spent on your card. This is boosted to 2 points per £1 when spending on travel (plane fares, rail fares etc) and when spending abroad. You also earn 2 points per £1 on petrol and supermarket spending for the first year.
  • You can convert the 20,000 Membership Rewards points into £100 in gift cards for Amazon, M&S, Homebase, Boots, PC World and more (though cards available vary).
  • You can also convert points to frequent flyer or hotel scheme points and add them to your current stash. They can be converted into 10 frequent flyer programmes (including Avios and Virgin Atlantic), or five hotel reward schemes, among other things.
  • You can also use your points to pay off purchases, effectively working as cashback. However, you receive slightly less than you'd get exchanging for vouchers; 1,000 points gives £4.50 'cashback' vs £5 in vouchers.
  • Cashback: Up to 1% (plus 20,000 bonus points)
  • Paid out: Monthly
  • Max 'cashback'/year: Unlimited
  • Min spend: £2,000 for bonus | Card issuer: Amex
  • Annual fee: No fee in year 1. £140 from year 2 onwards
  • Min income: N/A
  • .

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Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

As well as eligibility you'll get...

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Lenders separately assess how much you can afford to borrow, factoring in income and expenditure. Our affordability score mimics that.

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Your Credit Score's based on what's in your credit report and is a speedy overview of how well you're managing your credit accounts.

MoneySavingExpert Real World Credit Hit Rate

What really counts is if you apply for products, will you get 'em? We show your chances of getting a basket of top credit cards & loans.

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Your address history is used to match you with the correct credit file. If you’ve lived in your current property for less than 3 years, we’ll also need your previous address.

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