Credit Card Eligibility Calculator TM

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

Get full Credit Club eligibility

For your free Experian Credit Report, Experian Credit Score, MSE Affordability Score, unique Credit Hit Rate and your eligibility for top credit cards & loans, join Credit Club.

Finds your % chance of getting top rewards cards

AmEx Preferred Reward Gold (Rewards)

Will you get it?

N/A%
Rep APR

Will you get it?

N/A

Rep APR

Amex Preferred Reward Gold

Get vouchers worth £100 when you spend £2,000 & no fee in the first year
Click here for full card info

This is a charge card, not a credit card. But if you're accepted for the Amex Preferred Rewards Gold card, and spend £2,000 within the first three months, you'll get a bonus 20,000 rewards points, equal to £100 in vouchers.

Need-to-knows
  • 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 missed payment on your credit report.
  • The 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 2 points per £1 spent directly with airlines or in a foreign currency and 1 point per £1 spent on day to day spending.
  • Points can take up to 60 days to hit your Amex account (though we've seen 'em applied on the day you hit the trigger spend).
  • As soon as the points are in your account, you can convert your points into vouchers for Amazon, M&S, Homebase, House of Fraser, PC World and more, though retailers vary. Gift cards are sent either by post (and received within 10 working days) or instantly via email.
  • Alternatively, you can convert them to frequent flyer or hotel scheme points and add them to your current stash. Point transfers to other schemes can take up to 10 working days.
  • You can also now 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.
  • Your Membership Rewards points will be shown live on your card membership account homepage and on your paper statement.
  • Always carry a back up card, as Amex isn't accepted everywhere, especially in a lot of smaller retailers.
  • Cashback: Vouchers equivalent to 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 one, but £140 from year two onwards
  • Min income: N/A
  • .

Apply now*

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...

New! Free Experian
Credit Report

Credit Club now holds your full Experian Credit Report, so you can see what lenders really know, including payment history, applications, what credit you have and more.

MoneySavingExpert Affordability score

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

Free Experian
Credit Score

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.

Join Credit Club
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.

How this site works

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.
  • We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).
  • We often link to other websites, but we can't be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.

Please read the Full Terms & Conditions, Privacy Policy, Cookies Q&A, How this site is financed and MSE's Editorial Code.