Best rewards credit card. American Express® Preferred Rewards Gold Credit Card. Finder rating: ★★★★★ Benefits: 2 complimentary airport lounge visits every year, 30,000 Membership Rewards Points welcome bonus (provided you spend £3,000 in your first 3 months) plus an ongoing earn-rate of 1 point per £1 spent. Account fee: Year 1 - £0, Year 2 onwards - £140 per annum. Why we like ...