Meet your credit card ‘minimum spend’ requirement with new Amex gift cards

American Express has launched its pre-paid gift cards in the UK.  Take a look at their website.

Basically, you can now (in theory) walk into a WH Smith, Sainsbury or Superdrug and a buy a £20, £30, £50 or £100 Amex gift card.  The fee payable on top is £2.45, £2.95, £3.45 and £4.45 respectively.

This opens up an option if you are struggling to meet the minimum spend requirement on a new credit card to trigger the sign-up bonus. 

One option I have mentioned in the past is buying supermarket gift vouchers, which have no fee attached.  However, it will take you a while to work through (say) £500 of Waitrose vouchers.

Whilst these Amex gift cards carry a fee, you can obviously spend through them more quickly than you could with ‘store specific’ gift vouchers.  The 4.45% fee on the £100 card is not cheap, but you may consider £22 a fair price to pay to get £500 of spend through your card.

These cards cannot be topped up.  The biggest problem with them is getting the available balance down to exactly £0 to clear them out.  What I recommend, when you are down to the last couple of quid, is to order yourself an Amazon gift voucher.

You can buy these for any amount (pounds and pence, so if you had £2.96 on your gift card it is OK to order a £2.96 evoucher) and you can pre-load your Amazon account with them immediately, even if you aren’t buying anything now.  The money is there to spend next time you visit Amazon.

Note that you can get similar gift cards from MasterCard and Visa – even Tesco sells them.  However, they tend to cap out at £50 which makes the fee disproportionately more expensive for buying large amounts.

(If are struggling to meet the minimum spend on a credit card to get the bonus, also look at this article from Friday.  You can buy HMV or Waterstones gift vouchers at a 20% discount, which should be eBay’able for 90% of face value.)

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Want to earn more points from credit cards? – April 2025 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 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 Mastercard

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

Barclaycard Avios Mastercard

Get 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.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 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:

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

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

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

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