Maximise your Avios, air miles and hotel points

New Amex Gold and Plat holders – a word on triggering your sign-up bonus ….

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Last week I promoted an offer, now closed, for 30,000 bonus American Express Membership Rewards points with the fee-free Amex Preferred Rewards Gold card

A lot of people took this offer up, and now have to spend £2,000 within 90 days to trigger the bonus.

If you missed this offer, don’t worry.  You can still get 20,000 MR points – worth 20,000 Avios or other stuffDetails of the card are here.

Some people struggle to achieve the £2,000 target spend within 90 days.  Historically, I have suggested booking something refundable – like a fully flexible BA flight, cancellable for a £15 fee.  

If Amex has set your account up properly, the 20,000 points would post instantly when the transaction that takes you over £2,000 of spending posts to your Amex statement.  You could then cancel the BA flight and retain the bonus.

Amex now seems to be taking a harder line on this.  A number of different reports, from different people, both from Head for Points readers and Flyertalk posters, makes it quite clear that Amex is now removing sign-up bonuses if a refund causes your net spend within the first 90 days to fall below £2,000.  And fair enough, of course.  Amex is already being hugely generous with their sign-up bonuses in the first place.

The best way to deal with this is, frankly, to spend £2,000 in 90 days cleanly!   This may mean, for example, thinking about how much spending you can realistically do in the next 90 days.  If you are going on holiday in March, for example, you may want to delay getting the card until January so that your hotel bill will fall into the 90 day period.

What are your other options?

Transfer your Membership Rewards bonus into Avios before your refund goes through.  This will leave you with a large negative MR balance, which would almost force you to cancel the card since you would take years to clear it with normal spend alone.  However, cancelling a card whilst leaving a negative MR balance is not going to endear you to Amex next time you want to apply for a card.

Do not refund your BA flight for a few months.  I doubt that the bonus points would get taken away if you triggered your refund outside the 90 day period.  This may mean, of course, that you have to settle your card bill for the flight now.  When you refund it, you will end up with a big credit balance on your card which will take a couple of months to work through.

Try to bring forward as much spending as possible to reach the £2,000.  If you spend £50 per week in Tesco, for example, why not buy £750 of Tesco giftcards?  You will have worked through them in 4 months and it is not a major complication to your life.  Perhaps you could top up your Oyster card with a few hundred pounds, or buy an annual rail season ticket instead of monthly ones?

Please post any other thoughts in the Comments below.  Whatever you do, though, do not burn your bridges with Amex.  Amex is THE major player in the UK loyalty credit card industry, and if you have a falling out with them then you will be the loser in the long run.

On a more positive note, I am pulling together an article on the quirks in the Amex Gold bonus points system (it is often possible to earn 3 or even 4 points per £1 instead of the usual 1) which will go up in a day or so.


Want to earn more points from credit cards? – November 2022 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

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

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £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.

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 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

30,000 points and unbeatable travel benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 points bonus 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:

American Express Business Platinum

40,000 points sign-up bonus and a £200 Amex Travel credit every year Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

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

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company 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

1% cashback and no annual fee Read our full review

Comments (25)

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

  • Mummy55 says:

    Do you think it’s possible to buy MasterCard gift cards using Amex gold card and use these to pay household bills such as BT phone bills ect. where they will not take Amex???

  • Howard B says:

    We have about 150,000 Reward Points and about 60,000. No need to transfer them at this moment. Does anyone have any guess when Amex Rewards Points and SPG Points will be given a bonus to transfer to Avisos?

    • Raffles says:

      Last SPG (well, any hotel point) transfer to Avios was April to June this year, when there was a 25% bonus. Tends to come round once every 12-18 months. Open to all. Amex to BA transfer bonuses are more frequent these days but are targetted, so there is no guarantee you will be able to take part in any particular one – I am blocked from the current one.

  • Howard B says:

    thanks….so is there at the moment a targeted Amex to BA bonus?

    • Raffles says:

      Yes, I think it is still there. You need to log into your Membership Rewards account and look at the banner ads. Click through into the Travel Rewards bit and, again, look at the banner ads (all 5 versions – click on the white dots in the ad to bring up all the versions). You either see ads for Virgin and BA transfer bonuses or you don’t. I don’t.

  • Buddy says:

    Raffles, do you know if you can sign up for two charge cards (say platinum and gold) at the same time if you are referred and get both signup bonuses if ou meet the spending target?
    They seem to do it in the US all the time but not sure how Amex UK would view it.

    • Raffles says:

      I have never seen this done in the UK. I think you have to go with one or the other (or do one, cancel, and do the other in a year. Think long term in this game.).

  • Shaya says:

    Just wondering why the years wait? Isnt is six months?

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

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