Credit Cards
Coutts World Silk credit card full review
One of the most exclusive cards globally, the Coutts World Silk credit card offers a series of high-end perks, no annual fee, and LoungeKey access. Learn more about this product today!
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Coutts World Silk credit card: High-quality perks and services with no annual fee!

If you’re looking for a high-end, exclusive credit card that offers both luxury and practicality, the Coutts World Silk credit card is definitely worth considering. This card is perfect for frequent travelers with top-notch perks, including complimentary airport lounge access and VIP service worldwide.
In this review, we’ll take a look at all the features and benefits this card has to offer, as well as any potential drawbacks. So whether you’re simply curious about what this card has to offer or are seriously considering applying for one, read on for everything you need to know!
| Credit Score | Excellent |
| Annual Fee | £0 |
| Regular APR | 19.99% variable |
| Welcome bonus | Not disclosed |
| Rewards | No foreign transaction fee; LoungeKey access; 24/7 Concierge services; A series of gift cards the more you spend |
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How does Coutts World Silk credit card work?
Coutts & Company isn’t exactly what you’d consider an average financial institution. Founded in 1692, this private bank prides itself on its exclusive line of customers, and it’s known for being used by the British Royal Family.
That said, the card is only available for existing members. If, however, you’re able to become a part of Coutts’ limited clientele, this credit card might be the perfect choice for you.
Unlike most “gold” credit cards, this product charges no annual fees. Coutts can also personalize its spending limit based on your financial profile. The Coutts World Silk credit card offers high-quality services, and it’s especially suitable for frequent travelers.
Coutts World Silk Credit card pros and cons

This is a high-end credit card with great features, globally known as The Queen’s card. However, there are also a couple of disadvantages to this card that you should know before applying. See what they are below.
Pros
- No annual fee.
- No foreign transaction charges;
- LoungeKey membership;
- Thank You from Coutts – a rewards program that provides the cardholder with a series of luxurious gifts as spending increases
- Concierge services are available 24/7.
Cons
- Only available for existing Coutts clients;
- Requires an excellent credit score.
Does my credit score need to be good?
Not only does your credit score needs to be perfect, but it might also take a lot more than that for you to get access to the Coutts World Silk credit card. That said, you need to have an annual income of at least £500,000, or £1 million to invest in the bank.
Want to apply for Coutts World Silk card?
If you’re looking for a credit card that offers unique benefits and high-end services, the Coutts World Silk card may be perfect for you. This exclusive card is designed for wealthy customers who want the best of everything.
With no annual fees and zero charges for foreign transactions, this card’s many travel benefits will make you feel like a world traveler. So, read on to learn how to apply for this card and start enjoying its many perks today!
Apply online
Applying for this card online comes with a few rules. First, you must be a member of Coutts exclusive club of members. Second, you have to meet their annual income standards or invest £1 million in the bank.
If you don’t fit their high-standard profile, Coutts will automatically suggest other banking options. However, if you do manage to become one of their clients, call your financial advisor or Coutts’ customer service to send in your application.
Apply using the app

Even though Coutts provides an excellent mobile app for clients to manage their expenses, you cannot apply for any of their credit cards through it. If you’re already a customer, you can call Coutts for more information about how to apply for this card at +44(0) 20 7957 2424.
Coutts World Silk credit card vs. American Express Gold credit card
If you’d like to get a Coutts World Silk card, but the requirements are currently out of your reach, we’ve got you covered. With the American Express Gold credit card, you don’t have to spend £1 million to feel like a VIP client.
Its benefits include many travel-related perks, dining bonus rewards, an impressive welcome bonus for new cardholders, and more! Get to know its main characteristics below and follow the related content link to apply for your American Express Gold card today!
| Coutts World Silk card | American Express Gold | |
| Credit Score | Excellent | Good or Excellent |
| Annual Fee | £0 | $250 |
| Regular APR | 19.99% variable | 15.99% to 2.99% (variable) |
| Welcome bonus | Not disclosed | 60,000 to 75,000 points after spending $4,000 in the first six months |
| Rewards | No foreign transaction fee; LoungeKey access; 24/7 Concierge services; A series of gift cards the more you spend. | Membership Rewards program; No foreign transaction fees; Generous welcome bonus; Personalized travel services at your disposal. |
American Express® Gold Card Review
Learn how to apply for an American Express Gold card today to enjoy all of its exclusive perks!
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