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Well, hello there, frequent flyers and points enthusiasts! I'm Jack, and welcome back to Smart With Points, where we turn your everyday spending into extraordinary adventures. Now, I've had my fair share of exciting mornings in the points and miles game, but let me tell you, waking up to what American Express just dropped has given me the kind of buzz that would make a triple espresso jealous. We're talking about four massive welcome bonus increases across their Gold and Platinum cards, both personal and business, and they're only around until the fourteenth of October, two thousand and twenty-five. So grab that cuppa, settle in, and let's dive into what could be some of the best Amex UK offers we've seen in quite some time.
Right, let's get straight to the good stuff. American Express has just launched boosted welcome bonuses on four of their premium cards, and here's the kicker - if you use our referral links, you'll get even more points than the standard public offers. We're talking about proper upgrades here, not just a few extra points thrown in for good measure.
Let me break down exactly what you can get with our links. For the Personal Gold card, officially called the Preferred Rewards Gold, you'll earn forty-five thousand Membership Rewards points after spending five thousand pounds in six months. That's five thousand more points than the public offer of forty thousand. And the cherry on top? The first year fee is completely waived.
Now, if you're feeling a bit more ambitious, the Personal Platinum is offering a whopping one hundred thousand Membership Rewards points after spending ten thousand pounds in six months. The public offer is only eighty thousand, so you're getting an extra twenty thousand points just for using our link. Yes, there's an annual fee of six hundred and fifty pounds, but it's pro-rata refundable if you decide it's not for you.
For those of you running businesses, or even if you're just a sole trader, the Business Gold card is serving up sixty-five thousand Membership Rewards points after spending six thousand pounds in three months - that's five thousand more than the public offer of sixty thousand. And just like the personal version, the first year fee is waived.
But here's where it gets really exciting - the Business Platinum is offering a record-breaking one hundred and thirty thousand Membership Rewards points after spending twelve thousand pounds in three months. The public offer is one hundred and twenty thousand, so you're getting an extra ten thousand points. The annual fee is six hundred and fifty pounds, but for business owners, this is often tax-deductible.
Now, what I particularly love about these offers is that all the bonuses post in one go once you hit the spend threshold. There's no messing about with tiered triggers or having to remember multiple spending requirements - hit your target, get your points, simple as that.
Let's talk about eligibility because this is crucial. For the personal cards, you must not have held a personal Amex that earns Membership Rewards in the past twenty-four months. That means no Gold, Platinum, Green, or Rewards cards. However, and this is important, if you've only held British Airways, Nectar, Marriott, or Cashback Amex cards in that period, you may still be eligible for these personal card bonuses.
For business cards, it's even better news. There's no twenty-four month lookback rule at all. If you're accepted and hit the spending requirement, you'll get the bonus. Sole traders usually qualify without any issues - you don't need a limited company or VAT registration to apply.
Let me give you a quick overview of each card and why you might want to consider them. The Personal Gold is fantastic as a starter card with its low spending hurdle and free first year. You'll earn boosted points on airlines and Amex Travel, making it perfect if you're just getting into the points game.
The Personal Platinum, on the other hand, is all about that premium experience. Yes, it's a significant bonus to hit, but you're getting lounge access, hotel statuses, comprehensive insurance coverage, and various credits that can help offset that annual fee.
For business owners, the Business Gold is an excellent no-fee-year option that's particularly easy for sole traders to get approved for. The Business Platinum offers that record-breaking bonus plus premium benefits including a two hundred pound Amex Travel credit each year.
Now, let's talk strategy because that's what we're all about here at Smart With Points. If you're new to Amex and haven't held a Membership Rewards earning card in the past twenty-four months, I'd suggest starting with the Personal Gold for that free first year and forty-five thousand point bonus. However, if you're confident you'll use the premium perks, going straight to the Personal Platinum for one hundred thousand points could be the better play.
If you currently hold a British Airways, Nectar, Bonvoy, or Cashback Amex card, you may still qualify for the Personal Platinum's one hundred thousand point bonus - definitely worth checking.
For sole traders and small business owners, the Business Gold at sixty-five thousand points is an easy win, especially with that first year fee waived. But if you can meet the spending requirement and want those premium perks, the Business Platinum's one hundred and thirty thousand point bonus is absolutely massive.
Here's a maximiser strategy for those who can handle it - if you're eligible, pairing the Business Platinum with the Personal Platinum could net you two hundred and thirty thousand Membership Rewards points from just two bonuses. That's serious points earning power.
So what are these bonuses actually worth? Using a conservative valuation of one penny per Membership Rewards point, forty-five thousand points is worth approximately four hundred and fifty pounds, sixty-five thousand is around six hundred and fifty pounds, one hundred thousand points is roughly one thousand pounds, and that massive one hundred and thirty thousand point Business Platinum bonus is worth about one thousand three hundred pounds. And remember, that's using conservative valuations - if you're smart about redeeming for premium cabin flights, these values can easily be much higher.
Now, let's talk timing because this is crucial. The application deadline is the fourteenth of October, two thousand and twenty-five, so you've got some time, but don't sleep on these offers. For spending deadlines, personal cards give you six months from approval, while business cards give you three months. The business cards have tighter deadlines, but they also tend to have higher bonuses, so it balances out.
If you're interested in any of these American Express cards, make sure to click the links in our show notes to get these enhanced bonuses. Remember, that's forty-five thousand points for the Personal Gold, one hundred thousand for the Personal Platinum, sixty-five thousand for the Business Gold, and one hundred and thirty thousand for the Business Platinum.
That's all for today's episode of Smart With Points. I hope this breakdown helps you decide which of these fantastic Amex offers might be right for you. Remember, these enhanced bonuses are only available through our links, so make sure to check the show notes. Thanks for listening, and don't forget to subscribe to Smart With Points on all major podcast platforms, or visit our website at smartwithpoints.co.uk for more great content. Until next time, keep earning those points smartly!
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