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CHANGED: You now only have three months to trigger American Express sign-up bonuses

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Since the start of May, American Express had been giving people six months – rather than the usual three months – to hit the spending target required to earn the sign-up bonus on a new card.

This offer has now ended.

As of today, you will need to hit your spend target within three months. 

This returns the rule to how it was before the start of the coronavirus lockdown.  With consumer spending almost back to normal – Barclaycard data for July 2020 shows card spending was just 2.9% lower than July 2019 – American Express presumably feels that it no longer needs to make concessions.

American Express three month sign-up bonus rule

Existing Amex cardholders are not impacted

If you have applied for an American Express card recently, you will still have six months to trigger your sign-up bonus.

The three month rule will only apply to new applications from today.

What are the American Express sign-up bonuses?

As a reminder, here are bonuses available on American Express personal cards:

The Platinum Card: 30,000 Membership Rewards points (=30,000 Avios) when you spend £4,000 in three months

Preferred Rewards Gold Credit Card: 10,000 bonus Membership Rewards points (=10,000 Avios) when you spend £3,000 in three months 

British Airways American Express Premium Plus Credit Card: 25,000 Avios when you spend £3,000 in three months

British Airways American Express Credit Card: 5,000 Avios when you spend £1,000 in three months

Nectar Credit Card: 20,000 Nectar points (= £100) when you spend £2,000 in three months 

Marriott Bonvoy American Express Credit Card: 20,000 Marriott Bonvoy points (= 6,666 Avios) when you spend £3,000 in three months

The American Express Rewards Credit Card: 5,000 Membership Rewards points (=5,000 Avios) when you spend £2,000 in three months

Platinum Cashback Everyday Credit Card: 5% cashback on your purchases for three months (up to £100) 

Platinum Cashback Credit Card: 5% cashback on your purchases for three months (up to £125) 

American Express three months to earn sign-up bonus

On the Business cards:

The Gold Business Card: 20,000 Membership Rewards points when you spend £3,000 in three months

The Platinum Business Card: 40,000 Membership Rewards points when you spend £6,000 in three months

British Airways American Express Accelerating Business Credit Card: 2,200 On Business Points when you spend £3,000 in three months

We wrote a detailed article on ‘Which American Express sign-up bonuses do I qualify for?’ which you can find here.


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

If you are looking to apply for a new credit or charge card, here are our October 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.

The following offers will end soon:

  • 10,000 Avios on British Airways American Express (ends 2nd November)
  • 40,000 Avios on British Airways American Express Premium Plus (ends 2nd November)
  • 60,000 points on The Platinum Card from American Express (ends 2nd November)
  • 30,000 points on American Express Preferred Rewards Gold (ends 9th November)

Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 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 – 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

60,000 points and an unbeatable set of travel benefits – for a fee 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 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

60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios 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

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 (39)

  • BLT says:

    Anyone still waiting for Amex referral points? Partner referred me from an Amex platinum to an Amex platinum business card in June. I’ve now spent the 6k and received the 45k opening bonus (which indicates I was referred). Still no sign of the referral points. Do I have to get my partner to call up? How have others received missing points? Thanks

    • Wally1976 says:

      My wife received no points for referring me from personal gold to business gold at beginning of June. Have only just been able to raise it as a proper complaint as they make you wait until 10 weeks have elapsed. I’m not optimistic of ever seeing the points.

      Rob has mentioned previously that there’s a known problem with referrals to business platinum but Amex won’t admit it.

      Good luck!

    • Chris Heyes says:

      [email protected] i did 5/6 referrals end May from Platinum 3 to gold 2 to BA Premium,
      all bar one came good (they all applied in June) although all at different times
      The one missing when i phoned i was told didn’t go through my link
      When i phoned (Brighton) told them i had the email i’d sent them (and knew gone through link)
      they accepted it and manually added missing points no problem good service

      • BLT says:

        Thanks both. Will sort it by live chat. It really is annoying when it doesn’t work. Luckily I took a screenshot of the referral page prior to the application

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