American Express Gold Business Card vs HSBC Premier World Elite Mastercard
Side-by-side comparison for UK businesses
| Feature | American Express Gold Business Card | HSBC Premier World Elite Mastercard |
|---|---|---|
| Annual fee | £195 | £290 |
| Monthly fee | None | None |
| Welcome bonus | 20,000 Membership Rewards points | 60,000 reward points |
| Earn rate (default) | 1x | 3x |
| 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 World Elite Mastercard
HSBC's top-tier personal card. 60k welcome bonus, 3pts/£1 earn rate, and unlimited Priority Pass lounge access. £290/year and 2.99% FX fee. Requires HSBC Premier (£100k income or investments). Strong for airline mile collectors.
Annual cost
£290
Earn rate
3x
Welcome bonus
60,000 reward points
Best for
Airline milesAirport lounges
Key benefits
- • Unlimited Priority Pass lounge access (cardholder + additional cardholders)
- • 3 points per £1 sterling, 4 points per £1 non-sterling
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India
- • Airport fast track via Mastercard Travel Experiences