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How to Cancel Amex Gold Card

Cancellation requires a phone call to Amex and cannot be done online. You must redeem all Membership Rewards points first, as they expire immediately upon closure. No refund is given on the annual fee.

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Quick Facts

Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
No pro-rata refund on the annual fee regardless of cancellation date.
After cancellation
Amex retains account records for six years after closure per FCA requirements for regulatory and fraud prevention purposes.

Cancellation Steps

Go directly to Amex Gold Card cancellation page

  1. Redeem your Membership Rewards points

    Log into your Amex account and redeem all points before cancelling, as they expire immediately upon closure.

  2. Pay off your card balance

    Ensure any outstanding balance on your Gold Card is paid to zero.

  3. Call American Express to cancel

    Ring 0800 917 8047 and tell the representative you wish to cancel your Gold Card.

  4. Get confirmation and destroy your card

    Request written confirmation of cancellation via email, then securely cut up and dispose of your card.

Tips & Things to Know

  • Redeem all Membership Rewards points before cancelling, as Amex will not restore them after account closure.
  • Consider downgrading to the free Amex Card instead, which avoids the £195 fee without closing your account.
  • Cancel before your annual fee renewal date to avoid being charged again if the fee has already been taken.

Your Consumer Rights

  • Under the Consumer Credit Act 1974, you have protections regarding credit card terms and fair treatment.
  • Amex is regulated by the FCA, which oversees fair practices and complaint handling for financial services.

Frequently Asked Questions

What happens to my Membership Rewards points?
All points expire immediately upon cancellation with no refund. You must redeem them before closing your account.
Can I downgrade instead of cancelling?
Yes, you can request a downgrade to the free Amex Card, which preserves your account history without the annual fee.
Will I get a refund on the annual fee?
No, Amex does not offer pro-rata refunds on the annual fee regardless of when you cancel.
Can I cancel online or through the app?
No, cancellation is only available by calling Amex on 0800 917 8047; there is no online option.
How does cancellation affect my credit score?
Closing a credit card can temporarily lower your score by reducing available credit, though the impact is usually modest.

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