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The American Express Preferred Rewards Gold Card is a charge card and is an ideal card for those who can afford to pay in full each month to avoid accumulating credit card debt, as often can be the case with revolving balances and high interest rates. Cardholders have access to the Membership Rewards program with no additional fee where points can be redeemed for various services and products. The Membership Rewards program is by far one of the best reward programs offered in the credit card industry, due in part to the variety of rewards offered and no yearly limit and no expiration policy for earned points. The card has no pre-set spending limit, however, purchases are approved based on credit record .

Intro APR	APR %	Annual Fee
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