American Express brings back a minimum income requirement for its cards
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Back in 2016, American Express removed the minimum income requirements from its UK personal and small business cards.
The plan was to take a more holistic view of your finances. A single person living at home on a £25,000 salary has a totally different disposable income profile to someone who is married with two kids and a mortgage taking home £35,000. Setting a strict cut-off level was seen as a blunt instrument.
For whatever reason, potentially linked to new FCA customer duty regulations, American Express has decided that this structure was no longer workable.

Minimum income requirements have now returned.
That said, they are not exactly tough. Someone on minimum wage doing 40 hours per week will still qualify for most cards. The real losers are the retired and non-working partners, as the requirement is based on your personal income. High savings or a high household income are no longer enough.
These are the new PERSONAL income requirements.
- Preferred Rewards Gold – £20,000
- British Airways (free card) – £20,000
- Amex Cashback – £20,000
- Amex Cashback Everyday – £20,000
- Nectar – £20,000
- Marriott Bonvoy – £20,000
- American Express Rewards – £20,000
- Business Gold – £20,000 (personal income, not company)
- The Platinum Card – £35,000
- British Airways Premium Plus – £35,000
- Business Platinum – £35,000 (personal income, not company)
It’s worth comparing these numbers to the 2016 levels, remembering that we’ve probably seen 25%+ wage inflation since then.
The Platinum Card was £40,000 in 2016 but is now £35,000. The Marriott Bonvoy American Express was £30,000 in 2016 but is now £20,000.
The only big jump is the British Airways Premium Plus card, which was available on a £20,000 income in 2016 but now requires £35,000.
The other personal cards were £20,000 in 2016 and remain at £20,000 now, so the income requirement is far lower in real terms.
For HfP readers, these limits are unlikely to make much difference to those in work but are likely to hit the retired or those applying on behalf on non-full time working partners or their student children.
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Want to earn more points from credit cards? – June 2025 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 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £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: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.
SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.

American Express Preferred Rewards Gold Credit Card
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus Card
30,000 Avios and the famous annual Companion Voucher voucher Read our full review

The Platinum Card from American Express
50,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard
18,000 bonus points 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:

The American Express Business Platinum Card
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card
20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa
NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

British Airways American Express Accelerating Business Card
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
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