The most effective referral affords, welcome offers and further financial savings.
There are a great deal of methods you may get extra from an American Categorical bank card apart from the continued cashback rewards. They usually begin whenever you first apply.
First is both a referral bonus or cashback web site bonus. These typically are value between £10 and £25, relying on the cardboard and the place you get the hyperlink.
Subsequent is the welcome bonus for individuals who haven’t had an Amex in 24 months. These include cashback, reward and factors primarily based playing cards. These can simply be value £100 or extra, relying on the cardboard.
Lastly there are further affords accessible each month on the cardboard, with the Store Small promotion amongst my favourites.
Listed below are among the particular offers operating proper now.
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Customary welcome affords
For those who’ve not had an American Categorical card in your identify in 24 months you’ll be eligible for a welcome bonus whenever you join and meet particular spending thresholds.
You may be eligible for a bonus from the Platinum card and British Airways playing cards as an present cardholder – it depends upon which card or playing cards you’ve gotten. I’ve defined extra on this article.
The best paying customary welcome promotions are:
| Card | Bonus | Worth | Charge |
| American Categorical Most well-liked Rewards Gold bank card | 20,000 Amex Membership factors + 3,000 factors for spending | £153 in Nectar factors | £0 (£160 in yr two) |
| American Categorical Platinum Cashback bank card | 5% on first £2,500 spent | As much as £125 | £25 |
| Nectar American Categorical bank card | 20,000 Nectar factors + 2,000 factors for spending | £110 in Nectar factors | £0 (£25 in yr two) |
Boosted welcome affords
These affords are typically boosted and it’s typically value ready for these offers to come back alongside. As soon as to look out for embody:
- 30,000 quite than 20,000 for the Amex Most well-liked Reward Gold (normally Spring and Autumn every year)
- 60,000 quite than 30,000 for the Amex Platinum (normally Spring and Autumn every year)
- 70,000 quite than 25,000 for the BA Amex Premium Plus (ran Jan/Feb 2023)
When these and different offers are operating I’ll share the small print beneath.
Amex Platinum: Boosted 60,000 factors + £60 cashback
For a short while, the welcome bonus is elevated on the American Categorical Platinum bank card.
| Card | Reward kind | Regular bonus | Boosted bonus | Supply ends |
| American Categorical Platinum bank card | Membership Rewards Factors | 30,000 | 60,000 | 13 June 2023 |
It is advisable spend £6,000 in six months, which is able to earn you one other 6,000 factors and a complete of 66,000 factors. That’s value £440 in Nectar factors (if transformed by way of Avios).
There’s currenly additionally £60 cashback accessible if you happen to apply by way of TopCashback, or you may get 5,000 bonus factors by way of a refer-a-friend hyperlink.
This card additionally comes with £100 of Harvey Nicholls credit score and as much as £300 of eating credit score every calendar yr. Extra on each of those additional down the web page.
To essentially take advantage of this I’d wait to use for the cardboard till early June as these affords reset on 1 January. Mixed this could possibly be value £185. Right here’s my full information to find out how to stack these totally different offers collectively.
Nevertheless the cardboard does include a £575 annual price. You will get a partial refund if you happen to cancel when you’ve received the bonus. Extra particulars on this in my overview.
You may’t get the bonus if you happen to’ve had an Amex card that provides Amex Rewards within the final 24 months in your identify. However which means present Nectar and Platinum Cashback cardholders can apply.
BA Amex: Boosted 10,000 factors refer-a-friend welcome
This short-term refer-a-friend supply offers you further factors on the free BA Amex.
| Card | Reward kind | Regular bonus | Boosted bonus | Supply ends |
| British Airways American Categorical bank card | Avios factors | 6,000 | 10,000 | Unknown |
This may not be accessible by way of all refer-a-friend hyperlinks, however it’s value asking anybody you recognize with the cardboard, or use the hyperlink beneath.
You’ll have to spend £1,000 within the first three months to set off the ten,000 Avios level bonus. That is value £66.67 in Nectar factors.
Be sure you test the factors displaying is as said above, because it may change.
For those who additionally spend £12,000 in complete on the cardboard you’ll get a BA Companion Voucher, successfully a 2-4-1 ticket in economic system.
You can’t have had any Amex card within the final 24 months in your identify to get the bonus.
Amex Most well-liked Reward Gold: Boosted welcome bonus (expired)
From 12 October to eight November 2022 the welcome bonus is elevated on the American Categorical Most well-liked Rewards Gold bank card.
| Card | Reward kind | Regular bonus | Boosted bonus | Supply ends |
| American Categorical Most well-liked Rewards Gold bank card | Membership Rewards Factors | 20,000 | 30,000 (32,000 if you happen to go by way of a refer-a-friend hyperlink) | 8 November 2022 |
It is advisable spend £3,000 in three months, which is able to earn you one other 3,000 factors and a complete of 33,000 or 35,000 factors. That’s value as much as £240 in Nectar factors (by way of Avios).
You’ll additionally set off further bonuses all year long, relying in your spending (particulars right here).
The cardboard is free in yr one, however does include a £160 annual price after this, so that you’ll most likely need to cancel it after 12 months.
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+ Get a £17 Quidco bonus (new members solely). Extra particulars
Get one of the best of Andy’s cash saving content material each Thursday, straight to your inbox
Get a £17 Quidco bonus (new members solely). Extra particulars
Whether or not you’re eligible for a welcome bonus or not you need to all the time apply for an Amex by way of a refer-a-friend hyperlink or cashback web site. These may be value something from a fiver to greater than £100, relying on the cardboard.
It’s unimaginable to say which is greatest because the charges change per card and may typically be elevated. So I’d test each choices and go for the one which pays probably the most.
Cashback web site welcome bonus
An alternative choice to referral bonuses which may typically pay higher is to go by way of Quidco or TopCashback. It’s value checking each websites to see which one pays extra, after which evaluating the speed to the referral bonuses.
For those who’re not with both cashback web site then you may as well nab an additional welcome bonus on these too!
Refer-a-friend affords
Most Amex playing cards will give an additional bonus for signing up by way of a referral hyperlink. Once in a while these are boosted,
Clearly you may ask your family and friends if they’ve a hyperlink they’ll share with you, which you need to use for any Amex you want – not simply the one they’ve. They’ll additionally get a kickback for sharing their hyperlink.
For those who don’t have anybody then you need to use this hyperlink right here. I received’t get the cash on this as there’s a restrict to how a lot one particular person can earn in a yr, however you’ll nonetheless get the elevated supply.
To see all of the totally different referral choices click on the “see all playing cards with a referral supply” button on the high of the web page when it opens. You’ll get the speed proven for the cardboard you choose.
Improve affords
Very hardly ever there are promotions to get you to improve your card. The bonus received’t be pretty much as good because the welcome offers for newbies, however it’s value having a look.
Improve Gold credit score to Platinum: 20,000 factors
When you’ve got the Most well-liked Rewards card you then received’t qualify for the welcome bonus on the Platinum card, so this improve supply is value a glance.
You will get 20,000 Amex Reward Factors if you happen to improve from the Most well-liked Rewards Gold bank card to the Platinum bank card. You’ll have to spend £4,000 in three months, so that is just for huge spenders.
You’ll earn 1 level per £1 spent, so in complete you’ll get 24,000 factors if you happen to obtain this. That’s value £192 if transformed to Avios, after which to Nectar factors.
You’ll additionally get the £150 annual UK eating credit score and twice yearly £50 Harvey Nicks credit score. So join now and use each affords earlier than and after Jan 1, and that’s an additional £400.
You received’t get the £200 journey credit score that new prospects get.
Keep in mind you’ll have to pay £575 as an annual price, although as defined above within the Platinum welcome bonus deal, you may cancel when you’ve received the bonus and get a pro-rata refund.
Improve Gold cost to Platinum: 20,000 factors
When you’ve got the older Most well-liked Rewards Gold cost card (that is barely totally different from the bank card) you may get 20,000 Amex Reward Factors if you happen to improve to the Platinum bank card. You’ll have to spend £4,000 in three months, so that is just for huge spenders.
You’ll earn 1 level per £1 spent, so in complete you’ll get 24,000 factors if you happen to obtain this. That’s value £192 if transformed to Avios, after which to Nectar factors.
You’ll additionally get the £150 annual UK eating credit score and twice yearly £50 Harvey Nicks credit score. So join now and use each affords earlier than and after Jan 1, and that’s an additional £400.
Keep in mind you’ll have to pay £575 as an annual price, although as defined above within the Platinum welcome bonus deal, you may cancel when you’ve received the bonus and get a pro-rata refund.
Enhance Amex and Avios factors
Andy’s high tip
Nectar: Swap Amex and Avios factors
It’s attainable to swap Amex Reward factors for quite a lot of totally different choices, together with present playing cards. However probably the most helpful possibility goes to be swapping them for Avios factors after which swapping these factors for Nectar factors.
You’ll get the equal of 0.67p per level, so roughly 0.67% cashback. And you are able to do the identical in case your Amex card earns Avios factors straight. Right here’s extra on find out how to convert your factors.
10% Restaurant cashack
There’s a brand new supply to activate that’ll provide you with 10% again whenever you dine out at collaborating eating places in case you have the next playing cards:
- Platinum Cashback
- Platinum On a regular basis Cashback
- Platinum
- Most well-liked Rewards Gold
- Centurion
The supply runs till 3 July 2023 (no less than – so it could possibly be prolonged) and can work every time you eat out. There’s a full listing of eating places right here. It contains chains like Trustworthy Burger, Yo! and Gaucho, in addition to one-offs like Lima and Paternoster Chop Home.
If it operates like earlier affords that listing may change, so do test earlier than you dine.
Store Small 2023: £5 credit score with £15 spend
That is my favorite Amex supply and normally runs in June and December. In 2022 it ran 3 to 12 December and 20 to 26 June. You’ll get £5 again with every £15 spend at collaborating retailers, as much as 5 instances per card. Extra particulars of find out how to maximise your returns are in my full Store Small information right here.
Deliveroo: 2 x £5 credit score every month with Amex Gold
For those who maintain the Most well-liked Rewards Gold Amex then each month you may get £5 again on as much as two Deliveroo orders. Be sure you save the supply to your card. There’s additionally a £5 minimal spend per order.
Harvey Nichols: £100 free credit score a yr with Amex Platinum card
When you’ve got the Platinum American Categorical card (which comes with an enormous £575 annual price) now you can get £50 again twice a yr from spending at Harvey Nichols.
The spend may be cumulative and there’s no minimal spend. So purchase one thing for a tenner and also you’ll get £10 again to your card. The supply resets on 1 July every year and you’ll earn as much as £50 once more for the second a part of the yr.
It’s just for major card holders and you should activate the supply in your account earlier than spending. It’s as a consequence of run till December 2024.
Eating: As much as £300 free credit score a yr with Amex Platinum card
This supply is for individuals with the complete Platinum Amex, not the cashback variations. Every year till 31 December 2024 you’ll get £150 eating credit score to make use of at some high eating places. Most do appear to be in London however there are a couple of across the nation (primarily the Ivy chain) so you need to have the ability to redeem the supply.
There’s additionally the identical quantity accessible abroad, although the places are very restricted. So I’d deal with this as an additional quite than a certainty.
As with most Amex affords, you’ll want so as to add it to your card. It’s restricted to the principle cardholder solely so can’t be added to supplementary playing cards.
The cardboard comes with a large £575 annual price so I wouldn’t apply only for this supply (certainly there’s no assure it’ll be accessible to newbies) – however if you happen to do go for it, the price can be prorated if you happen to cancel.
