Hi there! A friend of mine has recently referred me to the the American Express Preferred Rewards Gold Credit Card and it's been great so far. Amex's not as widely accepted as Visa/Mastercard but it's not bad if you mix it with Apple Pay/PayPal etc. Apart from collecting/spending the membership rewards points, one of the highlights is that you get 2 complimentary lounge visits a year at over 350 airport lounges. You get an anniversary bonus of 10000 points if you spend at least £15000 within a year too. The annual fee is £0 for the first year and it's £140 afterwards (in case you wonder, my friend told me the annual fee needed to be paid before they apply the anniversary bonus though). If you are thinking to apply, it would be great if you can use my referral link: http://amex.co.uk/refer/chihiwgvot?XLINK=MYCP Using the referral link, you will receive 22000 membership rewards points when you are approved and spend £2,000 in their first three months (20000 points if you apply without a referral). For your info, I will get 9000 points if you sign up using my link. Many thanks!