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Got Amex Gold / Plat? Get 3,000 free Membership Rewards points with the companion credit card

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If you currently have an American Express Preferred Rewards Gold or American Express Platinum charge card, you should be eligible for a special offer for five days only.

If you add the (free) Platinum credit card or (free) Gold credit card to your account, you will receive 3,000 Membership Rewards points.

Amex Gold credit card

To see this offer, you need to log in to the statement page on the American Express website, desktop or mobile version.  It is not on the American Express app.

You should see a banner ad at the top of the statement page together with a link to click to apply.  Most people appear to have it although I doubt everyone will see it.

The representative APR on both credit cards is 14.9% variable.

Why would you want this? Well, there is one good reason – you receive 3,000 Membership Rewards points for signing up.  As the Amex Gold or Amex Plat credit cards are free, you are getting points for literally nothing (except for, presumably, a ding on your credit report).

There isn’t much else to add:

You need to spend £500 in three months to receive the 3,000 Membership Rewards points

You will earn 1 Membership Rewards points for each £1 spent

There is no annual fee

In theory you must cancel your credit card if you cancel your Gold or Platinum charge card.

However, some people report that they are allowed to keep their credit card when cancelling the charge card.  There is no pattern as to why, but if Amex allows you to do this then you do not need to empty out your Membership Rewards account – although you won’t reset the six month clock on when you can reapply for a charge card until you do.

Amex credit card

Is there much point to having this card for the long term?  No.

Fundamentally, Amex is encouraging you to run up debt that you cannot afford to instantly repay, otherwise you would use your charge card instead.  It will make your wallet thicker without adding any extra flexibility to how you spend, since it can’t be used anywhere where your Amex Gold or Platinum charge card isn’t already accepted.

If you DO pay interest on your credit card bill every month, then you do NOT want to be doing it on this card given the 14.9% interest rate.  There is only one low rate credit card which also offer points and that is the Tesco Clubcard Low Rate Mastercard.  This lets you earn Avios points or Virgin Flying Club miles, if you convert the Clubcard points, and has a market leading low interest rate of 5.9% variable.  You can apply for the Tesco Low Rate Mastercard here.

3,000 Membership Rewards points is worth having – that is 3,000 Avios or Virgin Flying Club miles.  Just don’t start running a balance on the card and paying 14.9% interest.


Want to earn more points from credit cards? – June 2021 update

If you are looking to apply for a new credit or charge card, here are our June 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the other top current deals:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

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

American Express Platinum card Amex

The Platinum Card from American Express

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

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending 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.

Amex American Express Business Gold card

American Express Business Gold

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

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

Comments (96)

  • Charlie Whiskey says:

    No sign of this at all.

  • Nick says:

    I’ve got a Gold Chargecard – seems I can apply for both Gold and Platinum Credit cards using the links above (thanks Simon and James!). Any advice on which to choose eg. would the latter be classed as a “companion” card? Would MR points accrue to my Gold account if I went for the Plat.?

  • Graham Walsh says:

    OT I upgraded my Gold Charge to Platinum. Forgot about the 10k spend bonus. However when I applied the website said they would be in touch as needed more info. Came home from work trip yesterday to find a new Plat card here including the Priority Pass.

    Also a quick email to Amx asking for the 10k points from the Gold card and they posted this morning. They said they would post within 60 days. It’s been 30 days since 1yr anniversary of the Gold card.

  • Doug says:

    Rob, I’m assuming you have contacts at BA, Amex and others. I’d enjoy a slightly off topic article about whether they discuss the impact of HfP and similar sites on their marketing/bonus/offers strategy. Also what your own thoughts on it are. For instance I’ve just churned the Amex Gold and it seems so painless and obvious that you wonder why they allow it. Now idea what proportion of people do this, or what the real cost is, but a somewhat insiders view would be interesting.

    • Rob says:

      I don’t think having that sort of discussion in public would have a happy result for anyone.

      • Genghis says:

        How about an article (more of a discussion) where people share where they’ve been recently on points and more importantly how they have got to earn those points / benefits? Any traction?

        • Pangolin says:

          +1

          I second that motion!

        • Graeme says:

          Definitely. I often find that’s where I learn really valuable tips.

        • TripRep says:

          That’s a good idea I can get on board with.. 😀

          Seriously though, I find such stories uplifting and inspiring, as much as I bleat on about BA’s deliberate decision to give poor service, I honestly want to experience great destinations and great flights to get there for great value.

          • the real harry1 says:

            I always like to hear about redemptions, big & small

            ours are on the small side but we get about 40 a year

        • robert says:

          +1

    • the real harry1 says:

      No idea what the real cost is?

      Try £200+, try £400+

  • Graham Walsh says:

    Oh and my Platinum fee was charged straight away.

    • Harpo says:

      So the IT glitch is sorted then? Damn! I’ve had 2 years of free plat and had hoped for another spin.

  • JASON WILTSHIRE says:

    Doesn’t appear anywhere for me.

    Anyone got a link?

  • sarah says:

    I managed to call up and get this on my gold card but they said they had never heard of such a card on platinum, is this correct? Thanks

  • Sarah says:

    ok so saw the links, it is for the basic Platinum card not the premium one and no other cards, is that correct? Thanks. Sorry made the assumption it was on the premium.

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