American Express Gold Business Card vs HSBC Premier Credit Card
Side-by-side comparison for UK businesses
| Feature | American Express Gold Business Card | HSBC Premier Credit Card |
|---|---|---|
| Annual fee | £195 | £0 |
| Monthly fee | None | None |
| Welcome bonus | 20,000 Membership Rewards points | 20,000 reward points |
| Earn rate (default) | 1x | 1.5x |
| Rewards currency | membership rewards | HSBC Rewards |
| Card type | business | personal |
Data last verified March 2026. Check issuer websites for the latest terms.
American Express Gold Business Card
The go-to business card for UK companies spending £3k+ per month. Strong earn rate on travel, solid welcome bonus, and genuinely useful travel perks.
Annual cost
£195
Earn rate
1x
Welcome bonus
20,000 Membership Rewards points
Best for
TravelAvios
Key benefits
- • Airport lounge access (2 visits per year)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • Expense management tools
HSBC Premier Credit Card
Free companion to the World Elite — same airline transfer partners but half the earn rate and pay-per-visit lounges. Good for HSBC Premier customers who don't want to pay £290/year but still want to collect transferable miles.
Annual cost
Free
Earn rate
1.5x
Welcome bonus
20,000 reward points
Best for
No fee milesHSBC customers
Key benefits
- • No annual fee
- • 1.5 points per £1 sterling, 2 points per £1 non-sterling
- • Priority Pass lounge access (£24 per visit)
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India