🚨 Huge new Amex UK welcome bonuses (Personal + Business) - ends 14 October 2025

Get on these great deals whilst they are fresh! Use our links for improved offers.

Author

Jack Culpan
August 27, 2025 • Estimated Reading Time: 3 minutes

Good morning, points collectors! Grab a cuppa - American Express just dropped four big UK welcome offers on Gold and Platinum, across both personal and business cards. And the best news? With our referral links, you’ll get even more points than the standard public offers.

  • Personal Gold (Preferred Rewards Gold): 45,000 MR after £5,000 spend in 6 months (vs 40k public). First year fee £0.

  • Personal Platinum: 100,000 MR after £10,000 spend in 6 months (vs 80k public). Annual fee £650 (pro-rata refundable).

  • Business Gold: 65,000 MR after £6,000 spend in 3 months (vs 60k public). First year fee £0.

  • Business Platinum: 130,000 MR after £12,000 spend in 3 months (vs 120k public). Annual fee £650 (often deductible).

All four bonuses post in one go once you hit the spend — no tiered triggers to worry about.

Who’s eligible?

  • Personal cards: You must not have held a personal Amex that earns Membership Rewards (Gold, Platinum, Green, Rewards) in the past 24 months. Holding BA, Nectar, Marriott, or Cashback Amex in that period may still leave you eligible.

  • Business cards: No 24-month lookback rule — if you’re accepted and hit the spend, you’ll get the bonus. Sole traders usually qualify; you don’t need a Ltd company or VAT registration.

Card-by-card overview

  • Bonus: 45,000 MR after £5k/6mo. First year fee waived.

  • Why: Low hurdle, free year, great starter card with boosted points on airlines and Amex Travel.

  • Bonus: 100,000 MR after £10k/6mo. Fee £650 (pro-rata refund if cancelled).

  • Why: Huge haul + premium perks: lounge access, hotel statuses, insurance, credits.

  • Bonus: 65,000 MR after £6k/3mo. First year fee waived.

  • Why: Best no-fee-year business kicker; easy on-ramp for sole traders.

  • Bonus: 130,000 MR after £12k/3mo. Fee £650 (often deductible).

  • Why: Record-breaking bonus, premium benefits, £200 Amex Travel credit each year.

Quick strategies

  • New to Amex (no MR card in 24 months): Personal Gold (free first year) for 45k, or go straight to Personal Platinum for 100k if you’ll use the perks.

  • Already hold a BA/Nectar/Bonvoy/Cashback Amex: You may still qualify for the Personal Platinum 100k.

  • Sole traders / small business owners: Business Gold (65k) is the easy win; Business Platinum (130k) if you can meet the spend and want the perks.

  • Maximiser plan: Pair Business Platinum (130k) with Personal Platinum (100k) if eligible — that’s 230k MR from two bonuses.

What are the bonuses worth?

Using a conservative 1p per MR point valuation:

  • 45k ≈ £450

  • 65k ≈ £650

  • 100k ≈ £1,000

  • 130k ≈ £1,300

Premium cabin redemptions can easily push these values higher.

Key dates

  • Application deadline: 14 October 2025

  • Spend deadlines: Personal cards = 6 months from approval, Business cards = 3 months from approval

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