How to Cancel Amex Gold Card
American Express Gold Card has an annual fee. Cancel by calling Amex or through the app. Redeem your Membership Rewards points first.
Tricky
BankingSteps verified
Quick Facts
- Cancel online?
- No — phone/letter required
- Pause option?
- No
- Refund policy
- No pro-rata refund on annual fee.
- After cancellation
- Account records retained per FCA requirements.
Cancellation Steps
Go directly to Amex Gold Card cancellation pageRedeem points
Transfer or use your Membership Rewards points before cancelling.
Pay off balance
Ensure your balance is zero.
Call Amex
Call 0800 917 8047 to cancel.
Get confirmation
Request written confirmation. Destroy the card.
Tips & Things to Know
- Redeem all Membership Rewards points — they expire on cancellation.
- Pay off your full balance first.
- Consider downgrading to a free Amex card to keep your credit history.
- Annual fee is charged yearly — cancel before renewal.
Your Consumer Rights
- Consumer Credit Act 1974.
- FCA regulated.
Frequently Asked Questions
- Points expire?
- Yes, immediately on cancellation.
- Can I downgrade?
- Yes, to a free Amex card.
- Annual fee?
- £195/year.
- Refund on fee?
- No pro-rata refund.
- Credit history?
- Closing a card can affect your credit score.