Billoff unlimited subscription: £0.79 promo for 48h, then £43.12 per month with no commitment
We generate and send your cancellation letter to Amex Gold by registered mail
Sender
Recipient
Digital registered letter with receipt of acceptance
Subject : Cancellation of Amex Gold agreement
Step-by-step 2026 guide to cancel Amex Gold in the UK, phone and postal options, refunds, and alternatives. Save up to £195 a year.
| fastest method (name it + why) | Phone - immediate contact with customer service, cancellation processed during the call |
| effective delay | Immediate when cancelled by phone |
| notice period | 0 (no minimum notice period) |
| cancellation fee (amount or 0) | 0 |
| minimum commitment | None |
| phone + hours | Call the customer service number on the back of your card or 0800 917 8047 (hours: Not published by Amex Gold) |
| postal address for registered letter | Amex Gold, 1 John Street, BN88 1NH Brighton, United Kingdom |
Amex Gold is an American Express consumer card product that offers rewards and monthly benefits with an annual cardmembership fee after the first year. The card combines Membership Rewards points and credits on selected services such as Deliveroo.
The card targets consumers who spend on dining and groceries and who value monthly credits and Membership Rewards points. It is available in the United Kingdom.
| Issuer | American Express Co. |
| Annual fee (first year) | £0 |
| Annual fee (subsequent years) | £195 |
| Monthly fee equivalent | £16.25 |
| Deliveroo credit | £120 per year (£10 per month) |
| Supplementary card fee | £45 per supplementary card per year |
| method | steps summary | estimated time | proof obtained | difficulty |
|---|---|---|---|---|
| Phone | Call the number on the back of the card or 0800 917 8047 and request account closure | Immediate | Call reference number; request confirmation letter or email | Easy |
| Post | Send a signed cancellation letter to Department 871, 1 John Street, Brighton, BN88 1NH | Up to 10 working days to process after receipt | Keep proof of postage; Amex may send written confirmation | Medium |
| Online / Chat | Use secure message or chat in your online account to request closure | Usually 1-5 working days | Screenshot of message thread or archived message; confirmation email | Medium |
| In writing (email) | Send a written request via the secure account message or to the postal address if email not available | 1-5 working days | Save sent message and any reply | Medium |
If you received the physical card and wish to cancel within 14 days from the day you received your card, you can cancel without giving a reason and request a refund of any amounts paid for the card. You must repay amounts owed. This right is given by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
Required proof: delivery date of the card or account activation date, account details, and identity verification.
If American Express increases fees or changes core contract terms in a way that affects your obligations, you may have the right to terminate the agreement under contract terms or Consumer Rights Act 2015 if the change is unfair. Request a written explanation of the change from Amex and use that letter as proof if you terminate.
Required proof: the written notice showing the fee increase and your account details.
In the event of the cardholder's death, the executor or estate representative should contact Amex to close the account, provide a death certificate, and provide proof of authority. Outstanding balances remain payable by the estate.
Required proof: death certificate and proof of executor status.
Amex accepts cancellation requests for no fixed term accounts at any time; contractual cooling-off applies for new accounts (14 days). For stopping future or scheduled payments, request cancellation at least by the end of the business day before the payment is due (Monday to Friday 9am to 5pm).
Required proof: written or verbal request and any transaction references for scheduled payments.
There is no minimum commitment period. You can close the account any time by calling or writing and paying outstanding balances.
Required proof: account number and identity verification.
American Express has been known to offer retention incentives. Research lists at least one retention offer: 10,000 Membership Rewards points. When you call to cancel, say: "I would like to close my account unless you can provide a retention offer that makes keeping the card worthwhile." Ask for the exact offer in writing and the conditions. If Amex offers bonus points or a fee waiver, request a written confirmation message or reference number.
Annual fee calculation:
Monthly equivalent: £16.25 x 12 = £195 per year.
Deliveroo credit value: £10 per month = £120 per year.
Net effective annual cost after Deliveroo credit: £195 - £120 = £75 per year.
Supplementary card fee: £45 per additional card per year.
Switching to the cheapest listed alternative: Barclaycard Rewards Credit Card is £0 annual fee. Saving by switching from Amex Gold to Barclaycard: £195 - £0 = £195 in the first relevant year.
The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provides a 14-day cooling-off period for many contracts concluded online or off-premises. The Consumer Rights Act 2015 protects against unfair contract terms. The Financial Conduct Authority (FCA) is the UK regulator relevant to American Express card services and the Financial Ombudsman Service handles disputes.
For complaints escalation, use the Financial Ombudsman Service if you cannot resolve the issue with American Express. See a published decision at Financial Ombudsman Service decision.
Step 1: Complain to American Express in writing and keep copies of messages and proof of postage.
Step 2: If Amex does not resolve the complaint within eight weeks or gives a final response you disagree with, escalate to the Financial Ombudsman Service. Use the decision resource above for examples of prior outcomes.
Ensure you receive a final statement listing any outstanding balance and the date by which it must be paid. Pay off any remaining charges to avoid interest or collections activity.
Confirm the status of Membership Rewards points. Request written confirmation if points will be forfeited or retained. Keep copies of final confirmation for your records.
If you later reapply, American Express will treat it as a new application and perform a credit assessment. There is no automatic reactivation of a closed account.
Use this checklist when cancelling your Amex Gold account.
£0
/ mois
1 Membership Rewards point per £1 spent, 5,000 bonus points for spending £10,000, £10/month Deliveroo credit (£120/year), Plan It instalment plans, 4 free lounge passes
£16.25
/ mois
1 Membership Rewards point per £1 spent, 5,000 bonus points for spending £10,000, £10/month Deliveroo credit (£120/year), Plan It instalment plans, 4 free lounge passes
No commitment. Billoff helps you cancel or adjust your Amex Gold subscription without hunting down every detail alone.
Below are common alternatives people compare for this type of subscription.
£0
/ mois
0.25% cashback with no annual fee and no foreign transaction fees
£0
/ mois
3% cashback on everyday purchases for the first year, then 0.25%, and no foreign exchange fees on purchases in local currency
£0
/ mois
Rewards points on all purchases and travel benefits without an annual fee for eligible customers
£7
/ mois
Offers rewards and potential fee waiver when paired with a NatWest Reward Black current account
Amex Gold is available in many countries. Here are several frequently cited markets:
What you should know about Amex Gold subscription and cancellation terms:
Automatic monthly or yearly renewal. Billing is handled by the primary account or the signup platform.
Renewal runs automatically at the end of each billing period while the subscription stays active.
Cancel from account settings or the app store used at signup. Access usually continues until the paid period ends.
Refunds depend on billing date, country, and payment channel.
The family plan admin can add or remove members per the service’s household and age rules.
Plan changes and cancellations follow the provider’s terms and local law.
Billoff simplifies cancellation: we handle the cancellation process for your Amex Gold subscription, whichever payment method you use.
Cancel, adjust, or compare options in a few clicks.