Amex Referral Offers UK: Up to 120,000 Bonus Points

American Express is running some of its biggest referral offers in the UK right now. Through a referral link, the Business Platinum Card comes with 120,000 Membership Rewards points plus a £150 Selfridges eGift Card (normally 55,000 points), and the personal Platinum Card comes with 100,000 points (normally 55,000).

One referral link opens every card in the programme. You choose the card that suits you on Amex’s page, and the referral bonus shown there is the one you get.

Referral link: London for Cheap receives bonus Membership Rewards points if you are approved. Representative examples for each personal card are in the table below.

Every current Amex referral offer (UK)

“Points” means American Express Membership Rewards points. Offers were checked on Amex’s referral page on 24 October 2026 and can change at any time, so confirm the bonus on the application page before you apply.

Business Platinum: 120,000 points + £150 Selfridges

This is the headline offer. Apply for The American Express Business Platinum Card through the referral link by 12 January 2027, be approved and spend £12,000 in your first three months, and you get 120,000 Membership Rewards points plus a £150 Selfridges eGift Card. The normal offer is 55,000 points.

Who it is for: UK limited companies (LTD) and limited liability partnerships (LLP). You must be 18 or over and a director or member of the business. Amex also lists a personal income of at least £35,000, a UK business bank account and a permanent UK home address. Sole traders are not covered by this offer.

Main benefits listed by Amex:

• 1 point per £1 on purchases and 2 points per £1 on American Express Travel
• Access to more than 1,550 airport lounges in 140+ countries through the Global Lounge Collection
• £200 annual travel credit at American Express Travel Online, plus a further £200 travel credit each time you spend £60,000 in a Cardmembership year (up to £400)
• Up to £150 a year in Dell statement credits (£75 each half-year, enrolment required)
• £20 back once a month on a £60+ prepaid Alamo or Enterprise booking
• Worldwide travel insurance for you, your immediate family and employees with Supplementary Cards (enrolment required)
• Complimentary Calm Premium and a digital subscription to The Times and Sunday Times
• One free Supplementary Business Platinum Card and up to 19 Business Gold Supplementary Cards
• Up to 54 days interest-free if you pay in full

It is a charge card with a £650 annual fee. You can pay in full each month or use the Flexible Payment Option line of credit, where the purchase rate is 29.1% p.a. (variable).

Eligibility for the bonus: you must not currently hold a Business Platinum Card, or have held one in the last 24 months.

Business Gold: 60,000 points + £100 Selfridges

The cheaper business option. Through the referral link, The American Express Business Gold Card comes with 60,000 points plus a £100 Selfridges eGift Card (normally 22,000) when you spend £6,000 in three months. It has no annual fee in the first year, then £195 a year. This offer also ends 12 January 2027 and is for UK LTD and LLP businesses.

You do not qualify if you currently have, or have had in the last 24 months, an American Express Business Card that earns Membership Rewards points.

Apply for Business Platinum or Business Gold →

The Platinum Card: 100,000 points (ends 3 November)

For personal applicants, The Platinum Card referral offer is 100,000 Membership Rewards points (normally 55,000) when you apply by 3 November 2026, are approved and spend £6,000 in your first three months.

Main benefits listed by Amex:

• Access to more than 1,550 airport lounges in 140+ countries
• Up to £200 a year in dining credits at selected UK restaurants, and a further £200 abroad (enrolment required)
• Platinum Wellness benefits across lululemon, Oura and Calm, which Amex values at up to £350 a year combined
• Worldwide travel insurance for you and Supplementary Cardmembers, including partners and dependent children under 25, for trips up to 90 days
• Hotel benefits through Fine Hotels + Resorts and The Hotel Collection, such as upgrades and late check-out when available
• Higher-tier car rental loyalty status with Avis and Hertz (enrolment required)
• 1 point per £1 on purchases and 2 points per £1 on amextravel.co.uk

Amex lists a minimum income of £35,000 a year and no history of bad debt.

Eligibility for the bonus: you must not have held a personal Membership Rewards-enrolled American Express Card in the previous 24 months.

Representative example: Purchase rate 29.1% p.a. (variable). Annual fee £650. Representative 685.3% APR variable, based on an assumed credit limit of £1,200.

The APR looks extreme because the £650 annual fee is counted against a small assumed credit limit. It shows how costly the card is if you do not use the benefits.

Apply for the 100,000-point Platinum offer →

Gold, BA, Rewards and Cashback cards

The same referral link gives access to the other personal cards. Their bonuses are smaller, but so are the fees and spend targets.

American Express Preferred Rewards Gold Credit Card: 22,000 points

Spend £3,000 in three months for 22,000 points, slightly more than the 20,000 on Amex’s public page. There is no annual fee in the first year, then £195. Amex lists 3 points per £1 on American Express Travel, 2 points per £1 with airlines, four Priority Pass lounge visits a year, and £5 back twice a month on Deliveroo (enrolment required). Minimum income: £20,000.

Representative example: Purchase rate 29.1% p.a. (variable). Annual fee £195 (£0 in your first year). Representative 85.8% APR variable, based on an assumed credit limit of £1,200.

British Airways American Express Premium Plus Card: 31,000 Avios

Spend £6,000 in three months for 31,000 bonus Avios. You do not qualify if you have held a personal British Airways American Express Card in the previous 24 months.

Representative example: Purchase rate 29.1% p.a. (variable). Annual fee £300. Representative 135.7% APR variable, based on an assumed credit limit of £1,200.

The American Express Rewards Credit Card: 12,000 points

Spend £2,000 in three months for 12,000 points, with no annual fee.

Representative example: Purchase rate 29.1% p.a. (variable). Annual fee £0. Representative 29.1% APR variable, based on an assumed credit limit of £1,200.

British Airways American Express Credit Card: 6,000 Avios

Spend £2,000 in three months for 6,000 bonus Avios, with no annual fee. The higher 15,000 Avios offer we covered in our BA Amex guide ended on 6 October 2026.

Representative example: Purchase rate 29.1% p.a. (variable). Annual fee £0. Representative 29.1% APR variable, based on an assumed credit limit of £1,200.

Amex Cashback Credit Card: £25 bonus cashback

Spend over £11 within the first 11 months for £25 bonus cashback, plus 5% cashback (up to £125) in the first five months. The annual fee is £25.

Representative example: Purchase rate 29.1% p.a. (variable). Annual fee £25. Representative 34.6% APR variable, based on an assumed credit limit of £1,200.

For the Gold, Rewards, BA Credit Card and Cashback cards, you do not qualify for the bonus if you have held any personal American Express Card in the previous 24 months.

How to apply through the referral link

Who gets the bonus?

The rules differ by card. Amex says you may still be approved without qualifying for the bonus, so check this before you apply.

Because the business offers only look at business cards, holding a personal Amex does not by itself stop you getting the Business Platinum or Business Gold bonus. You still need an eligible LTD or LLP business and to pass Amex’s checks.

All applicants must be 18 or over with a UK bank account and a permanent UK home address.

What are Membership Rewards points worth?

It depends on how you use them. On the referral page, Amex’s own example says 50,000 points can get £225 in statement credit, £225 towards flights booked on American Express Travel, £225 at Amazon.co.uk or £250 in gift cards from selected retailers.

You can also transfer points to airline and hotel partners such as British Airways Executive Club and Emirates Skywards, or use them with PayPal Pay with Points. Transfers to airline schemes can give more value if you are flexible with reward flights, but taxes and charges still apply.

Fees, interest and the catch

These bonuses are only worth it if three things are true:

• The spend target is spending you would do anyway. £12,000 in three months is about £4,000 a month. £6,000 is about £2,000 a month. Do not buy things just to hit the target.
• You pay in full every month. Interest at 29.1% p.a. (variable) on any balance you carry will quickly cost more than the points are worth.
• You can justify the annual fee. £650 for Platinum or Business Platinum is a lot of money. The lounge access, travel credits and insurance only offset it if you would actually use them.

Not every business accepts American Express, so check that your regular bills and suppliers can be paid by Amex before you plan your spend.

Only apply if the card suits your circumstances. Applying for credit can affect your credit file, and approval is not guaranteed. New to the UK? Read our guide to building a UK credit score first.

Amex referral questions

Before you apply

• The bonus shown on the application page matches what you expect.
• You meet the 24-month rule for your chosen card.
• You can reach the spend target with normal spending.
• You will repay the balance in full every month.
• The annual fee makes sense for how you will use the card.

See all current Amex referral offers →

Sources and checks

• American Express referral page (all cards with a referral offer)
• American Express UK referral programme
• The Platinum Card
• Preferred Rewards Gold Credit Card
• Business Platinum Card

Checked on 24 October 2026 against American Express’s referral page and card pages. American Express can change or withdraw offers at any time.