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IMPORTANT: American Express suspends the scrapping of pro-rata card fee refunds

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American Express informed us on Wednesday morning that it has suspended its plans to stop pro-rata fee refunds on its UK credit cards from 2nd October.

We don’t have any further information at this point. This is very much a last minute change of heart, given that the original announcement was made (in a HfP exclusive story) back in mid June.

This means that there is no longer a requirement to cancel any cards this week if you didn’t want to find yourself locked in for the rest of your membership year.

American Express suspends end of pro rata fee refunds

We believe that Amex does not intend to inform cardholders of this change, but the call centre agents have been told and can confirm this to you. You may want to call to get your own confirmation since there is no public statement that we can show you as verification.

We don’t know what the position is if you have cancelled a card this week and would now like it back.

The plan to stop pro-rata fee refunds is not dead, just resting, but we understand that there will be no changes until at least 2024.

I suggest keeping a regular eye on HfP over the next 2-3 weeks for more news ….

Want to earn more points from credit cards? – December 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.

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

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

Barclaycard Avios card

Barclaycard Avios Mastercard

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 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.

SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.

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 – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

Crazy 100,000 points (TO 9th JANUARY) and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 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:

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

American Express Business Platinum

40,000 points bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year 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 and no annual fee Read our full review

Comments (328)

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

  • a270 says:

    When does the BA Premium Amex 60,000 offer end. Rob’s article mentioned 10th October, but when I am clicking it is showing 25,000 for the premium one and 5,000 for the blue one.

    • a270 says:

      Just reread and says 60,000 if you are an Executive Club member from a specific page. Does that mean no one can refer you?

  • S says:

    Not good on Amex, damages the brand as their cs was so much better than Barclays / virgin.
    Already cancelled for refund and did not receive any retention offer…..

    Also have kids which greatly reduces 2-4-1 voucher utility – school hols etc.

    May go for the virgin bonus or just stick all spend through chase or John Lewis cards…..

  • Bernard says:

    Too late.
    The fact they wanted to do this, and Amex/Delta PR fiasco in the US says e we here Amex is headed.
    So time to move on to better offers (hello Barclaycard!)

    • RussellH says:

      You are welcome to Barclaycard.
      Without any hesitation, in my experience over the last 9 years, by far the worst customer “service” of any financial institution I have ever dealt with.

  • Lady London says:

    Ok if they’re not divesting then it sounds like the new programme will give anniversary bonuses (for keeping cards as in completed another year).

    I guess they will in some way have to give a better anniversary reward (rather than incentive) to those cardholders who already have many years continuous – either with Amex or with a particular card – for example by issuing first reward immediately or starting them higher if there’s a ladder of higher rewards for more years.

    • RussellH says:

      If by “anniversary bonuses” you mean handing out an additional chunk of points at the start of each new card year, as Creation do for the Marriott M/card, then yes, please.
      It should be an obvious way to stop people churning, if implemented sensibly, which Creation do not – it is a flat 2000 points each year, whether the card sits in the drawer all year, or whether you put significant money through the account.
      Better, surely, would be a low basic anniverary bonus, which you would get provided the card was used during the year, with increments for both the number of years the card had been held and for the turnover on the card in the previous 12 months.

  • jahk says:

    I cancelled last week for pro rata refund. A retention offer was activated about a month ago, but decided to forgo it as my wife was able to take advantage of the 60k BAPP offer.

    For all those complaining about amex customer service. I find it very satisfactory via live chat.

    • Peter K says:

      Only if not complicated. I’ve had to direct them to where to find their own application t&c’s before (at the chat agents request) when they were completely getting something wrong and not understanding the difference between business and personal cards!

  • TobyNow says:

    What if the cancellations that occured in the run up to this deadline triggered some sort of clause for BA and there is new a performance issue from their point of view? Could that be what’s going on?

  • Milaneser says:

    If something bad is indeed coming, my best guess is that Amex UK are about to follow Spain and make changes to the MR earn rate on Gold and the cheaper cards 😜

    • Harrier25 says:

      That would me more suicidal than stopping pro-rata fee refunds, but you never know with the current CEO. She’s awful.

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

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