Maximise your Avios, air miles and hotel points

BIG NEWS: American Express blocks multiple sign-up bonuses, starting immediately

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

American Express unveiled massive changes to its UK card sign-up bonuses last night.

This will effectively end card churning for most people.

Before I go on, I want to stress one thing.  The new rules on bonuses do NOT stop you applying for any of these cards.  They simply influence whether or not you will qualify for a sign-up bonus when you do.

It is also worth remembering that, even if YOU no longer qualify for a particular bonus, your partner or other adult family members might.

What is changing?

Until today, American Express sign-up bonuses followed two basic rules:

Cards were grouped into families based on reward type (Membership Rewards points, Avios, Starwood points, Nectar points) and your eligibility for a bonus depended on whether you had recently had a card in the same ‘family’

There was a six month restriction in place between cancelling an American Express card and being able to re-apply – with a new bonus – for a card in the same ‘family’

This is what is changing for the personal American Express cards:

The concept of ‘families’ has gone for most products.  The eligibility rules now span ALL personal American Express cards in most cases.

The look-back period increases from six months to 24 months

Whilst there are two exceptions, in simple terms you cannot get a sign-up bonus on a personal American Express card if you have held ANY personal American Express card in the last 24 months.

Are there any exceptions to these new rules?

Yes.  There are a few exceptions to the above:

The British Airways American Express Premium Plus Card is only impacted by the change in the look-back period to 24 months.   The old rules on eligibility remain – you cannot have had either of the two British Airways American Express cards in the previous 24 months BUT American Express does not count any other card you may have had.

(In plain English: if you’ve had a Platinum / Gold / Starwood / Nectar / Platinum Cashback card in the last two years, but NOT either of the BA Amex cards, you are eligible for the bonus on the Premium Plus card – but not the free BA Amex)

The Platinum Card is only impacted by the change in the look-back period to 24 months.   The old rules on eligibility remain – you cannot have had a Preferred Rewards Gold, Green, Platinum or American Express Rewards card (all of which earn Membership Rewards points) in the previous 24 months BUT American Express does not count any other card you may have had.

(In plain English: if you’ve had a BA / Starwood / Nectar / Platinum Cashback card in the last two years but NOT a card offering Membership Rewards points, you are eligible for the bonus on the The Platinum Card – but not Preferred Rewards Gold)

Small Business and Corporate products are not impacted at all.  The existing rules apply for those.  Importantly, the six month rule continues to apply for these cards.

(In plain English: if you’ve not had any personal or business card offering Membership Rewards points in the past six months, you are eligible for the bonus on the American Express Gold Business and American Express Platinum Business, assuming you own a qualifying small business)

Can you summarise this by card?

Here you go:

If you currently have the free British Airways or British Airways Premium Plus credit card ….

You would need to cancel and wait 24 months before you can get a bonus on Platinum Cashback, Platinum Cashback Everyday, British Airways, British Airways Premium Plus, Preferred Rewards Gold, Starwood Preferred Guest, Nectar, American Express Rewards

You can get a bonus NOW on The Platinum Card IF you have not held a Preferred Rewards Gold, The Platinum Card, Green or American Express Rewards card in the previous 24 months

You can get a bonus NOW on American Express Gold Business or American Express Platinum Business IF you have not held a Preferred Rewards Gold, The Platinum Card, Green, American Express Rewards, American Express Gold Business or American Express Platinum Business card in the previous six months and meet the qualifying criteria for having a small business

If you currently have Preferred Rewards Gold, The Platinum Card or American Express Rewards credit card ….

You would need to cancel and wait 24 months before you can get a bonus on Platinum Cashback, Platinum Cashback Everyday, British Airways American Express, Preferred Rewards Gold, The Platinum Card, Green, Starwood Preferred Guest, Nectar, American Express Rewards

You can get a bonus NOW on British Airways Premium Plus IF you have not held a British Airways or British Airways Premium Plus card in the previous 24 months

You would need to cancel and wait six months before you can get a bonus on American Express Gold Business or American Express Platinum Business, assuming you meet the qualifying criteria for having a small business

If you currently have a Nectar or Starwood Preferred Guest credit card ….

You would need to cancel and wait 24 months before you can get a bonus on Platinum Cashback, Platinum Cashback Everyday, British Airways American Express (free version), Preferred Rewards Gold, Starwood Preferred Guest, Nectar, American Express Rewards

You can get a bonus NOW on The Platinum Card IF you have not held a Preferred Rewards Gold, The Platinum Card, Green or American Express Rewards card in the previous 24 months

You can get a bonus NOW on British Airways Premium Plus IF you have not held a British Airways or British Airways Premium Plus card in the previous 24 months

You can get a bonus NOW on American Express Gold Business or American Express Platinum Business IF you have not held a Preferred Rewards Gold, The Platinum Card, Green, American Express Rewards, American Express Gold Business or American Express Platinum Business card in the previous six months and meet the qualifying criteria for having a small business

If you currently have a Platinum Cashback or Platinum Cashback Everyday card ….

You would need to cancel and wait 24 months before you can get a bonus on Platinum Cashback, Platinum Cashback Everyday, British Airways American Express, Preferred Rewards Gold, Green, Starwood Preferred Guest, Nectar, American Express Rewards

You can get a bonus NOW on The Platinum Card IF you have not held a Preferred Rewards Gold, The Platinum Card, Green or American Express Rewards card in the previous 24 months

You can get a bonus NOW on British Airways Premium Plus IF you have not held a British Airways or British Airways Premium Plus card in the previous 24 months

You can get a bonus NOW on American Express Gold Business or American Express Platinum Business IF you have not held a Preferred Rewards Gold, The Platinum Card, Green or American Express Rewards card in the previous six months

Discussion of the American Express sign-up bonuses changes continue in a further articles here.


Want to earn more points from credit cards? – June 2022 update

If you are looking to apply for a new credit or charge 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.

Until 18th July 2022 there is an astonishing special offer on these cards. You get 50,000 Avios on the Avios Plus Mastercard and 10,000 Avios on the free Avios Mastercard. You can apply here. We strongly recommend getting the Avios Plus card whilst this offer is running.

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

50,000 Avios for signing up (A CRAZY SPECIAL OFFER!) and an upgrade voucher for spending ….. Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

10,000 Avios for signing up (SPECIAL OFFER) 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.

SPECIAL OFFER: The sign-up bonus on Amex Gold is increased from 20,000 Membership Rewards points to 30,000 Membership Rewards points until 19th July 2022. This card is free for the first year.

British Airways BA Premium Plus American Express Amex credit card

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 Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 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 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:

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

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 card

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 (3% on business travel for four months) and no annual fee Read our full review

Comments (1171)

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

  • Frenske says:

    Now Brexiteers have truly something to blame the EU for. 😉

    This is a joke not a political point.

  • Will says:

    Oh dear. We cancelled 4 cards in the last 5 months. Sounds like no reason to open them again any time soon .Strategy is to simply keep one ba premium plus for now I guess.

  • Roger says:

    Hopefully people who have already applied in last few days are still eligible for sign up bonus.
    This only applies to new application from today onward?

    • Optimus Prime says:

      Yes I applied for BAPP last week and I can see the signup bonus spend tracker on my account.

    • Spurs Debs says:

      I applied for new card at weekend and got a weird message saying I had applied for two of same thing, which I hadn’t, no email to say I had applied no decision that I have/have not been accepted.
      I thought I’d just wait and see what happens.

    • john says:

      I applied last week for Gold, card arrived this week and I have the tracker also..

      ‘Spend £2,000 by 18 Jun 2019 to receive 20,000 Membership Rewards points’

  • AndyW says:

    Balls

  • Alex W says:

    Disaster. As a result I am going to need to cancel all 7 of our Amex cards as soon as possible!

  • Optimus Prime says:

    So same rules as in the USA but much worse signup bonuses, benefits and earning rates?

    Good luck earning enough Avios to redeem those Companion Vochers…

    • Heinztein says:

      Exactly. Unless you are routinely flying J long haul or have high business spend that you can put through an amex, in which case no more sign up bonuses will have negligible impact.

      • Tom1 says:

        Yes, can’t help but feel that BA will lose out here. I make the assumption that a lot of amex MR are converted to Avios rather than hotel points. So BA selling less Avios to Amex, and getting less £500 ‘taxes and fees’ on redemptions. What I don’t know is what percentage of redemptions came from amex churners – still pretty small I imagine.

        I guess the first action now is to max out the 90k referrals this calendar year then cancel my Amex cards.

    • BJ says:

      Tesco sim cards now the hottest game in town for a few weeks, after that…the Economist!?

  • RTS says:

    Lol. The gravy train has ended. Gutted. Was a good ride though ladies and gents.

    • Optimus Prime says:

      Indeed. It’s not even 2 years since I came across this site. At least others have had a good run.

  • Chopin says:

    damn, I am 3 days away for my next churning on Plat, already waited 6 months 🙁

    • Simon says:

      Likewise – was due to get new Plat next week… had been counting on that bonus to get enough points to book return leg of already booked outbound journey for my wife and I and our three kids!

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

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.