Maximise your Avios, air miles and hotel points

Which of the FIVE special credit card sign-up bonuses currently available should you get?

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In the 10 years we’ve been running this site, I don’t think we’ve ever seen so many credit and charge cards running ‘special’ sign-up bonuses at the same time.

Whilst this is great news for you, it is also easy to get confused about what is available. I thought I’d do a quick summary today of what is available and until when.

For more information on how each card works and the benefits it brings, click through to our full review. This article purely looks at the sign-up bonuses.

American Express Preferred Rewards Gold 30,000 points bonus

American Express Preferred Rewards Gold

What’s the deal? The sign-up bonus is increased to 30,000 Membership Rewards points from 20,000 Membership Rewards points. These convert to Avios at 1:1 and to many other airline and hotel schemes.

What do I need to spend? £3,000 in 90 days

When does the deal end?  9th November

What is the card fee? Free in the first year, £140 thereafter

Do I qualify for the bonus? You cannot have had any personal American Express cards, including the BA, Nectar or Marriott cards, in the past 24 months. Business cards and supplementary cards are OK.

What’s the legal stuff on interest rates? Representative 24.5% APR variable for the first year, 59.9% APR variable for subsequent years based on a notional £1200 limit and £140 annual fee.

Our full Amex Gold review is here.

You can apply here.

American Express Platinum 60,000 points bonus

The Platinum Card from American Express

What’s the deal? The sign-up bonus is increased to 60,000 Membership Rewards points from 30,000 Membership Rewards points. These convert to Avios at 1:1 and to many other airline and hotel schemes.

What do I need to spend? £6,000 in six months

When does the deal end? 2nd November

What is the card fee? £575, refundable pro-rata if you cancel

Do I qualify for the bonus? You cannot have had a personal Gold or Platinum American Express card in the past 24 months, or any other niche personal Amex card which also gives Membership Rewards points. Business cards are OK. BA, Nectar and Marriott cards are OK.

What’s the legal stuff on interest rates? None, this is a charge card. You must clear your balance each month.

Our full Amex Platinum review is here.

You can apply here.

British Airways BA Amex American Express 10,000 Avios bonus

British Airways American Express

What’s the deal? The sign-up bonus is increased to 10,000 Avios from 5,000 Avios

What do I need to spend? £1,000 in 90 days

When does the deal end? 2nd November

What is the card fee? Free

Do I qualify for the bonus? You cannot have had any personal American Express cards, including the Gold, Platinum, Nectar or Marriott cards, in the past 24 months. Business cards and supplementary cards are OK.

What’s the legal stuff on interest rates? Representative 24.5% APR variable

Our full British Airways American Express review is here.

You can apply here.

British Airways BA Amex Premium Plus American Express 40,000 Avios bonus

British Airways American Express Premium Plus

What’s the deal? The sign-up bonus is increased to 40,000 Avios from 25,000 Avios

What do I need to spend? £3,000 in 90 days

When does the deal end? 2nd November

What is the card fee? £250 per year, refundable pro-rata if you cancel

Do I qualify for the bonus? You cannot have had either British Airways American Express card in the past 24 months

What’s the legal stuff on interest rates? Representative 101.1% APR variable based on a notional £1200 limit and £250 annual fee

Our full British Airways American Express Premium Plus review is here.

You can apply here.

British Airways Accelerating Business American Express 60,000 Avios bonus

British Airways Accelerating Business American Express

What’s the deal? The sign-up bonus on this card is 60,000 Avios – this is a relaunch offer which is expected to drop at some point but we do not know what it will become

What do I need to spend? £5,000 in 90 days

When does the deal end? No end date is published – the terms say that it will run until at least 2nd November

What is the card fee? £250 per year, refundable pro-rata if you cancel

Do I qualify for the bonus? You cannot have had an American Express small business card (Business Gold, Business Platinum etc, Accelerating Business) in the previous 12 months. You also need to have some sort of self employment or small business income to apply.

What’s the legal stuff on interest rates? Representative 96.7% APR variable based on a notional £1200 limit and £250 annual fee

Our full British Airways Accelerating Business American Express review is here.

You can apply here.

Conclusion

There is a lot of choice here, which doesn’t always make things easy.

Study the rules carefully to see what you can get.

  • If you have only had BA American Express cards, you should qualify for 60,000 points on The Platinum Card.
  • If you have only had Gold or Platinum American Express cards, you should qualify for 40,000 Avios on British Airways Premium Plus.
  • Got some sort of self employment or small business income? You should qualify for 60,000 Avios on BA Accelerating Business if you’ve not had business Amex recently.

Comments (17)

  • Jonathan says:

    So what sign up deals are there that don’t include American Express ?

  • WillPS says:

    BA PP is the only card available to me. Is my maths right in saying that bonus is worth 64000 Nectar points (or £320 to spend at JS)?

    Probably worth a go…!

    • WillPS says:

      It blocks you from getting a bonus on everything except Platinum and BA PP (Nectar probably the most relevant one for me).

      A successful BA PP application would have blocked everything except Platinum until it was cancelled.

  • AlanC says:

    The referral bonus for amex. Is it on your membership year or jan to dec?

  • TJ says:

    For the Plat card, do you just have to apply by 2-Nov or does the application have to be approved by then?

    • CarpalTravel says:

      Amex Quote:
      “The 60,000 Membership Rewards bonus points will be awarded onto your Account if you are a new customer and you have applied after midnight GMT 12 August 2021 and before midnight GMT 2 November 2021”

      • CarpalTravel says:

        It then goes on to say about once approved, you need to hit the spend target, so definitely seems application based.

      • Rob says:

        Be wary about believing that, because the Amex computer will work off ‘approved’. Keep screenshots etc if for some reason you can only apply last minute. Of course, if you get instant approval its not a problem anyway.

        • Will says:

          Yes, those of us who signed up last minute to the business plat and had to wait for approval can vouch for that.

          Amex did resolve painlessly with screenshots though.

  • Jon says:

    Currently have a gold card so looking of opening a BAPP for the bonus points.
    How does Amex view customers who cancel quickly after hitting the bonus spend target? 1-3 months after opening?
    Do they they cancel any points earned or other cards held with them etc?

    • Rob says:

      Nothing is taken away. Whether you get a black mark against you is unclear but it seems not. If you’ve been a good customer on your Gold they won’t mind one bit.

  • David A says:

    Rob, do you know how quickly AMEX apply the 60K Avios welcome bonus on the Accelerating Business Card? I reached the £5K spend within the first week of having it, but won’t receive my first statement for a few days. Does it post automatically after the first statement is generated? Likewise, the 3x pts & OB pts for BA spend. My BA expenditure is all listed at 1.5x on the AMEX site. Thanks.

    • Rob says:

      No idea. Can’t you see the ‘pending’ number of Avios via the Amex app or website?

      • David A says:

        Rob, yes, the app shows all the Avios earned, but lists the BA spend at 1.5x instead of 3x. Also, the total Avios pending is 1.5x my sterling spend; no 60K welcome bonus.

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