Maximise your Avios, air miles and hotel points

Clarifying the position with Amex Platinum and Amex Gold referral bonuses

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It is clear from two emails I’ve received this week that (not surprisingly) people are getting totally confused about the constant changing of the referral rules for getting the sign-up bonuses on the American Express Platinum and American Express Gold charge cards.

I thought I would quickly run through the current position on both cards.  As I posted yesterday, the sign-up bonus on the ‘no fee for the first year’ Gold card is now back to 20,000 Membership Rewards points, so a reminder is timely.

American Express Platinum

Sign-up bonus when referred: 52,000 Membership Rewards points (= 52,000 Avios etc) when you spend £2,000 in the first three months

Sign-up bonus when applying directly: Nothing.

Card fee: £450, but you can cancel as soon as you have triggered the bonus for a pro-rata refund

Do I qualify for the bonus? You only qualify for the bonus if you do not have any Amex-issued Amex cards. You do NOT qualify if you hold a British Airways, SPG, Nectar, Gold, Green, Platinum Cashback, Costco or Harrods Amex. (If you have an Amex issued by MBNA, Lloyds or any other third party, then you are OK as these cards are not issued directly by Amex.)

If you do not qualify because you have one of the cards listed above, consider getting the card for your partner. Amex Plat looks for a household income of £40,000, so even a non-working spouse should qualify if you earn enough yourself.

American Express Preferred Rewards Gold

Sign-up bonus when referred: 22,000 Membership Rewards points (= 22,000 Avios etc) when you spend £2,000 in the first three months

Sign -up bonus when applying directly: 20,000 Membership Rewards points.

Card fee: Free for the first year, then £125

Do I qualify for the bonus? You do not qualify for the bonus if you have an Amex Green or Platinum charge card (ie a card that gives Membership Rewards ponits) or have had such a card in the last six months.  There is also a £20,000 household income requirement.

How do I get a referral?

Funnily enough (!), I can help you with that if you do not know anyone who holds a Platinum or Gold card.  Drop me an email at rob [at] together with your first and last names, e-mail address and the card you want referring for.

I receive a chunk of Membership Rewards points in return for referring you, all of which helps to offset the costs of running the site.

Want to earn more points from credit cards? – February 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

Virgin Money is offering double points on spending until 14th April (£5,000 cap) to new customers when you apply for the Virgin Atlantic Reward+ Mastercard. Click here to learn more.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

American Express Business Platinum

Crazy 120,000 points bonus (to 9th April) and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

Huge 60,000 points sign-up bonus (until 9th April) and free for a year Read our full review

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

2% cashback on all your business spend for 3 months (1% thereafter) and no annual fee Read our full review

Comments (3)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Mark says:

    Hi Raffles

    What is the position for former gold or platinum amex card holders ? I am sure I read somewhere that after a 6 month period you can re-apply for the gold or platnium card and get the referral bonus points. Is that correct ?

    Assume this will still exclude existing SPG or BA AMEX card holders?


    • Raffles says:

      Hi Mark. As I wrote above, you CAN get the Gold card even if you have the SPG or BA card, and as long as you cancelled your existing Plat or Gold 6 months ago. You can’t have the Plat if you have an SPG or BA, though.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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