Amex Gold UK vs Amex Harrods UK
Membership Rewards vs
Verified October 2026
Both the Amex Gold UK and Amex Harrods UK carry a £195 annual fee. Pick the Amex Gold UK for everyday American Express Travel spending (3x); pick the Amex Harrods UK for rewards.
At a Glance
Gold Card
- Annual Fee
- $195
- Signup Bonus
- 20,000 points
- Network
- American Express
- Points Currency
- Membership Rewards
- Earning Rates
-
Other Purchases 1xAmerican Express Travel 3xDirect Airline Purchases 2x
The Harrods American Express Card
- Annual Fee
- $195
- Signup Bonus
- Network
- American Express
- Points Currency
Category Breakdown
How they compare across key categories
Annual Fee
TieAmex Gold UK £195 vs Amex Harrods UK £195
Top Earning Rate
TieAmex Gold UK: 3x on American Express Travel vs Amex Harrods UK: 1x base
Perks & Credits
Amex Gold Uk winsAmex Gold UK: 4 listed benefits vs Amex Harrods UK: 0 listed benefits
Transfer Partners
TieAmex Gold UK: Avios vs Amex Harrods UK: n/a
Perks & Benefits
Gold
- Deliveroo Credit (£120)
- Airport Lounge Access (£100)
- Purchase Protection (£2500)
- Refund Protection (£300)
Which Is Right for You?
Get the Amex Gold UK if...
- Earns 3x on American Express Travel
- Earns 2x on Direct airline purchases
- Deliveroo Credit (£120)
Get the Amex Harrods UK if...
Frequently Asked Questions
Is the Amex Gold UK or Amex Harrods UK better?
Both the Amex Gold UK and Amex Harrods UK carry a £195 annual fee. Pick the Amex Gold UK for everyday American Express Travel spending (3x); pick the Amex Harrods UK for rewards. Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Amex Gold UK or Amex Harrods UK?
Both cards have a £195 annual fee.
Which card earns points faster?
The Amex Gold UK earns up to 3x on American Express Travel, while the Amex Harrods UK earns up to 1x base.
Can I have both the Amex Gold UK and the Amex Harrods UK?
Yes. They're issued independently, so you can hold both and earn Membership Rewards and side by side.
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175,000 points
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American Express Gold Card
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100,000 points
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100,000 Ultimate Rewards points
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Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.