ENDING TONIGHT: American Express Platinum 100,000 Point Welcome Bonus - The Biggest UK Offer I've Ever Seen

Good morning, points enthusiasts!

I don't typically start newsletters with urgent announcements, but today warrants an exception. American Express has just dropped what is undoubtedly the most extraordinary credit card welcome bonus I've ever seen in the UK market - 100,000 Membership Rewards points on The Platinum Card. And here's the kicker: this offer ends tonight.

This is quite literally the biggest personal card welcome bonus in UK history, and I've been frantically checking my eligibility since the moment it appeared. In fact, I'll cut straight to the chase – I've already applied and been approved. That's how good this offer is.

The Numbers That Made My Jaw Drop

The headline offer requires £10,000 spend in six months to unlock 100,000 Membership Rewards points. Here's what that translates to:

• 100,000 Avios

• 100,000 Virgin Points

• 200,000 Hilton Honors points

• 150,000 Marriott Bonvoy points

At a conservative valuation of 1p per Avios point, that's £1,000 worth of points from the sign-up bonus alone.

The True Cost Calculation

The annual fee is £650, which initially made me wince. But here's where the maths gets interesting when you factor in the additional perks:

Immediate Credits (worth £450):

• £200 UK dining credit (£100 for Jan-June, £100 for July-Dec)

• £200 international dining credit (same split)

• £50 Harvey Nichols credit (available until 30th June)

So in year one, you're effectively getting £1,450 of value (£1,000 in points + £450 in credits) for a £650 fee. That's a profit of £800 before we even consider the other benefits. I’ve already spent this half of the year’s credits!!

The Premium Travel Benefits That Matter

Beyond the pure financial calculation, there are genuine travel benefits that significantly enhance trips:

Travel Coverage:

• Comprehensive family travel insurance

• Priority Pass lounge access with guest privileges

• Supplementary card that also carries benefits and points earning potential

Hotel Status Stack:

• Hilton Honors Gold

• Marriott Bonvoy Gold

• Radisson Rewards Premium (I am loving Radisson at the moment)

Fine Hotels & Resorts: Although it can be more expensive using this service than booking direct, the benefits can often outweigh the extra price. I love the $100 hotel credit and guaranteed 4pm check out, especially at hotels where I don’t have status (Hyatt for example).

Who Should Consider This Card?

This makes perfect sense if you:

• Can naturally spend £10,000 in six months without forcing it

• Don't currently hold any American Express Membership Rewards earning personal cards (or haven't in the past 24 months)

• Actually travel enough to benefit from lounge access and hotel status

• Appreciate premium travel insurance and car hire coverage

• Ideally have some major purchases planned

Crucially, having a British Airways American Express card doesn't disqualify you - this is a separate product line.

I should note that I already hold the Amex Gold & Platinum Business cards, but this didn't affect my eligibility for the personal card bonus since they're considered different products.

How to Apply (Before It's Too Late)

If you've considered your spending habits and this card aligns with your financial situation, you can apply using our link for the 100,000 point offer. Remember, the application deadline is tonight, so don't delay if you're interested.

As always, make sure you understand the terms and are confident about meeting the spend requirement naturally. Credit cards should complement your financial goals, not drive them.

Final Thoughts

In six years of writing about points and miles, I've learned that the best offers aren't always the biggest ones - they're the ones that align with your actual spending and travel patterns.

This American Express Platinum offer is undeniably exceptional from a pure value perspective. Whether it's right for you depends entirely on your financial situation and travel habits.

What's clear is that we're unlikely to see another personal card bonus of this magnitude anytime soon. American Express has really pulled out all the stops here.

If you're looking to boost your points balance substantially in 2025, this is quite possibly the opportunity of the year. In fact, with the recent American Express to British Airways points transfers now being instant, you could be booking that dream redemption sooner than you think.

Have you already applied? Are you tempted? I'd love to hear your thoughts on this offer and whether the spend requirement feels achievable for your situation.

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The information provided in this article is for educational and informational purposes only and does not constitute financial advice. Credit cards involve financial commitments and risks, including potential debt if not managed responsibly.