Maximise your Avios, air miles and hotel points

Excellent deal: 60,000 points sign-up bonus with the American Express Platinum Business card

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American Express has launched an excellent deal for the Platinum Business charge card.

For a limited period, until 6th November, you will receive a sign-up bonus of 60,000 Membership Rewards points (=60,000 Avios or other miles).  The usual bonus is 40,000 points.

You need to spend £6,000 within three months to receive the bonus.

The only ‘catch’ is that you must be referred by an existing cardholder to get this deal.  I can provide you with a refer-a-friend link if you email me, however (rob at

60,000 American Express Platinum Business

You can find out more details about the Platinum Business card here but do NOT apply via that link if you want the 60,000 points bonus.

You may qualify for the sign-up bonus even if you think you don’t

Remember that it is substantially easier to qualify for the sign-up bonus on the Platinum Business card than the personal Platinum card.

To get the 60,000 Membership Rewards points on signing up, you only need to have gone SIX MONTHS without any American Express card which earns Membership Rewards points.  The personal Platinum card now requires you to wait 24 months.

(And …. remember …. having Platinum Business does NOT stop you getting the bonus on personal Platinum later.  The rule on the personal Platinum card is that you can’t have had any PERSONAL card earning Membership Rewards points in the last 24 months.  Amex does not look at Business cards.  The Platinum Business card is a good way to fill the gap if you are waiting 24 months before you can reapply for personal Platinum.)

Now let’s look at the card in more detail …..

American Express Platinum Business 60,000 points

The card facts

American Express Platinum Business is a charge card, not a credit card.  You must clear your full balance at the end of each month.

The card is metal.

The sign-up bonus via this refer-a-friend offer is 60,000 Membership Rewards points which requires you to spend £6,000 within your first three months of membership.  You qualify for the bonus as long as “[you do not] currently hold or have held any Membership Rewards enrolled American Express Card in the past six months.”

You earn 1 Membership Rewards points on virtually every £1 spent on the card.  These convert 1:1 into Avios, Virgin Flying Club miles and lots of other airline and hotel programmes, plus Eurostar points (15:1).  You can also redeem for various shopping vouchers.  You can see the redemption options on the Membership Rewards website.

The annual fee is £595, refundable pro-rata if you cancel.  Additional Platinum supplementary cards after the first free one are now £295 – these cards receive all of the benefits below.  You can have 98 free Gold supplementary cards but these do not come with any benefits.

What are the criteria for applying for Amex Platinum Business?

There is no income requirement and no trading requirement.  You can apply even if you have just set up your business, as long as:

The business has a current UK Bank or Building Society account
You/The business have/has no County Court Judgements for non-payment of debt
You are aged 18 or over
You have a permanent UK home address

It is no longer a requirement that you have been in business for at least one year.

What is the Amex Platinum Business benefits package?

Let’s look at what you get for £595.  For comparison, the annual fee on the personal Platinum card is now £575:

You will receive a free Priority Pass card.  Priority Pass is a network of 1200 airport lounges across the world, including eight in London Heathrow.  This includes the Aspire lounge in BA’s Heathrow Terminal 5.  Your Priority Pass allows an unlimited number of free visits to their lounges.  You can also bring in a guest for free.

You can also give a Priority Pass card to a second person by allocating your one free supplementary Platinum Business card to them.  If this is your partner or spouse, you would both be able to get into the lounge for free and each bring in a free guest so a family of four is covered.  Additional guests would be charged at £20 each.

You will receive access to the Plaza Premium Lounge in Heathrow Terminal 5.  This is not a Priority Pass lounge but American Express Platinum Business cardholders can get access, with a guest, by showing their Platinum card at the front desk.  You can also access American Express Centurion lounges with a guest, including the upcoming one in Heathrow Terminal 3.

You will receive comprehensive travel insurance.  This is a very valuable benefit because of the high level of coverage available – you can take a look at the policy document here (PDF).  This is a substantially stronger insurance package than you get with the personal version of Platinum.  There is NO EXCESS to pay at any time, there is no requirement to use the Platinum Card to pay for anything and you are covered up to the age of 80.

You will receive Gold status in the Marriott Bonvoy hotel loyalty scheme.  This will give added benefits at Marriott, Renaissance, Sheraton, Westin, W, aloft, St Regis, The Ritz-Carlton, The Luxury Collection etc properties – almost 30 brands in total.

You will receive Gold status in the Radisson Rewards hotel loyalty scheme.  This will give added benefits at Radisson Blu / RED, Park Plaza and Park Inn hotels.

You will receive Gold status in the Hilton Honors hotel loyalty scheme.  This is the best mid-tier hotel status to have, because you get free breakfast with it.  You will get benefits at Hilton, Waldorf Astoria, Hampton, Curio etc.  The personal Platinum card has had this benefit for many years but it was not part of Platinum Business.

You will receive Gold status in the MeliaRewards hotel loyalty scheme.  You will get benefits at Melia and INNSIDE hotels, with benefits including three 20% discount vouchers each year and ‘2 for 1’ breakfast.  The personal Platinum card has had this benefit for many years but it was not part of Platinum Business.

You will receive Jade status in the Shangri-La Golden Circle hotel loyalty scheme.  Due to a reciprocal partnership, you can match this to Gold status in Taj Inner Circle.  The personal Platinum card has had this benefit for many years but it was not part of Platinum Business.

You receive £150 or equivalent cashback when you book a onefinestay home rental.  This benefits was also introduced to the personal Platinum card last month.  You can use this benefit an unlimited number of times.  There are no ‘cheap’ properties with onefinestay, however, and combined with a minimum stay requirement it is virtually impossible to spend less than £600.

You receive a free digital subscription to The Times and The Sunday Times.  This is worth over £300, and if you currently pay for this it is a huge incentive to take out the card.

You can access the Amex Fine Hotels & Resorts Programme.  This offers genuine added value benefits at a large number of luxury hotels across the world.  These include a GUARANTEED 4pm check-out, free breakfast, an upgrade if available at check-in and typically a $100 credit towards on-property spending.

There are also benefits with Avis Preferred and Hertz Gold Plus Rewards but these are, in all honesty, no better than deals that are generally available.

There are only two negative points to note.  You do NOT receive Eurostar lounge access with Platinum Business.  This is only a benefit for holders of the personal version of The Platinum Card.  You also do not receive the £10 monthly Addison Lee taxi credit.


60,000 Membership Rewards points (worth 60,000 Avios or 90,000 Marriott Bonvoy points or 180,000 Radisson Rewards points or 60,000 Virgin Flying Club miles etc etc) is an excellent return for getting this card.

Whilst the £595 annual fee is high, it would be refunded pro-rata if you decided after a few months that the card was not for you.

Remember that it is far easier to get the bonus on Platinum Business because it only requires you to have gone six months without a card earning Membership Rewards points.  The personal version requires to have gone 24 months without a personal card earning Membership Rewards poitns.

You can find out more about American Express Platinum Business on the American Express website hereDo not apply via that site – the only way to get the 60,000 points offer is to email me at rob at for a refer-a-friend link.

Want to earn more points from credit cards? – March 2023 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.

SPECIAL OFFER: Successfully apply for either of the Barclaycard Avios credit cards by 2nd April 2023 and you will be entered into a free draw to win ONE MILLION AVIOS! Full details are on the application forms here (free) and here (paid). This competition is exclusive to Head for Points readers. T&C apply.

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 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

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:

Until 30th March 2023, the sign up bonus on American Express Business Platinum is increased to 120,000 Membership Rewards points – click here. The bonus on American Express Business Gold is increased to 60,000 Membership Rewards points – click here. T&C apply, see the application forms for details.

American Express Business Platinum

Crazy 120,000 points bonus (to 30th March) and a £200 Amex Travel credit every year Read our full review

American Express Business Gold

60,000 points sign-up bonus (to 30th March) 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

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

1% cashback (3% for 3 months if you apply by 31st March) and no annual fee Read our full review

Comments (98)

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

  • Katy says:

    Thanks for this. Can you apply as self employed do you know? Also does a BA Amex count as a MR earning card?

  • RWJ says:

    Can a sole trader apply for this or does it have to be a limited company with its own bank account?

    • Michael says:

      Just flicked through the terms and conditions, couldn’t find anything limiting the card just to limited companies.

    • Shoestring says:

      sole trader can get the card provided you meet the bank a/c etc criteria

  • Vicki Harris says:

    If my husband is currently a supplementary card holder on my personal Platinum Amex card (and a supplementary card on my BA Amex account) , but has no other Amex card in his own does that mean he could claim the 60,000 points bonus?

    • Alex W says:

      Supplementary cards don’t affect bonus eligibility as they don’t come with their own Membership Rewards account.

  • Mr(s) Entitled says:

    Any good ways to hit the spend? 95% of my business expenditure is invoiced and paid via Bacs. Of the remaining Amex will not be universally accepted.

    • Mr(s) Entitled says:

      I am discounting billhop which would cost £177 and thus significantly eat into the value of the offer.

    • The Savage Squirrel says:

      Change suppliers? Ask your supplier to take Amex?

      Must be plenty of people in my industry in the points game as every significant supplier accepts Amex, and anyone that doesn’t accept it doesn’t last long….

  • Neil says:

    So, without wanting to promote fraud/dishonesty I’m curious to know how easy it is for people not in a conventional business to open the business card.

    Does the company need to be LTD?
    Does the company need to be registered at companies house?
    Does the business account have to be the account you pay your bills with?

    I’m employed as an employer for example, but have a lot of expenses with my job. I’m also a landlord. Is this a no-go for people like me?

    • Rob says:

      Landlord is fine if you have a business bank account for the money you get.

  • Simon says:

    I have personal platinum at the moment and am seriously considering the 6 month break before applying for the biz plat. I have the bapp as well. I guess I need to empty the membership rewards and take a hit on no lounges or travel ins for six months. Anything else to consider? Thanks

  • PaulC says:

    How annoying my strategy only allows me to apply and get the bonus in January having only just closed my personnal platinum card in July!

    • PaulC says:

      Here’s a possible solution? – Can I use a relatives name to open the account who has never had an AMEX card ever and say that they work for my company or does the initial account holder have to be the director of the company and do they check this?

      • PaulC says:

        Maybe I have answerred my own question but can anyone confirm this works?

        “the Cardmember who sign(s) the agreement. Where your business is a limited company or limited liability partnership, there will be two joint Cardmembers, (i) the limited company or the limited liability partnership (as the case may be); and (ii) a director or a member of the limited company”

        So if I make a relative a member of my limited company I’m all good, but what does “member” actually mean, employed and on my books? How do AMEX check?

        • CDB says:

          A member is the term for a partner in a limited liability partnership, not an employee. All company/LLP info is registered at Companies House.

          • PaulC says:

            So the person applying has to be of direct ownership with the company in some way. So annoying im two months out with this deal!

          • Lady London says:

            I suppose it wouldn’t be beyond thé thinking of dôme people here to add a Director or two…!

  • DS says:

    OT: Any official response regarding IHG Accelerate and all those who got the “Stay once and earn 1,000 points.” only? i.e. if it’s intentional.

    • Matt says:

      Peter P kindly replied to my post on Monday, basically saying he had queried it and been fobbed off.
      I understand that IHG aren’t wanting just to give away points, but surely the idea is to incentivise us to push spend their way. Truly baffling to me how £4 of points is meant to do that, unless they think I’ve never heard of Hilton, or Marriott, or
      Result: last quarter I “earned” 150k IHG points and my money usually went there. This quarter I will get exactly 0 IHG points… the same number of my pounds they will get.

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

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