British Airways BA American Express Premium Plus Card UK 2019 Review

British Airways American Express Premium Plus BA Amex Card UK 2019 Review

Are you looking for a high earning Avios Points credit card that comes with a Free 2-4-1 Companion Voucher enabling you to take someone for free on the same flight as you?

If you answered yes to the opening statement, the British Airways American Express Premium Plus Card is the probably the best card available for you at present in the UK.

British airways Premium Plus Card Benefits Overview

British airways premium plus

    • 25,000 Bonus Avios Points when you spend £3000 in the first three months of your membership.
    • 2-4-1 Companion Voucher after spending £10,000 in each membership year.
    • 1.5 avios point earnt per £1.00 spent using your BAPP card.
    • 3 x avios points per £1.00 when spent on British Airways flights or holidays.
    • Free travel accident / Inconvenience insurance when you use your British airways American Express premium plus card for the travel purchases.
    • Earn 6000 Bonus avios points for adding a Free supplementary card holder to your account.
    • Additional bonus avios / cashback regular offers.



The Bonus 25,000 Avios Points Introductory Offer

British airways American Express premium plus credit card

The British airways American Express Premium Plus Card is currently the highest earning bonus avios point credit card on the market today in the UK.

Recently many Credit Card companies have been slashing their previously generous bonus point offers or completely removing them from the market. This is due to the new European Union rules imposed in the UK on financial institutes and how much they can charge fees to the Public & Companies using financial payment products. 

But amazingly, American Express have decided, for the present atleast not reduce or remove the very generous sign up bonus point offer with the British airways premium plus card. For how long we do not know but most people have decided to not take the chance and have taken out the card now just in case its scrapped.

Once you take out this card, American Express cannot reduce the bonuses or remove them as by signing up for the agreement, both parties involved are contractually bound by the conditions offering you protection.

Back to that generous 25,000 Bonus Avios point offer…

BAPP Amex eligibilityEvery new customer of the American Express British airways Premium plus credit card or a customer which has not held this card in the last 24 x months can receive the 25,000 Bonus avios points offer.

You need to spend on the BAPP ( British airways Premium Plus) Card £3000 in the first three months of your new card membership.

To some people, this amount of spending may look unachievable, but lets now look at the many ways below how you can easily spend £3000 in three months.

  • Grocery shopping – virtually all supermarkets in the UK now accept Amex as a payment option. If your a family of 3-4, you can easily spend on groceries per month £300 – £500 and a couple at £200 – £400.
  • Online Purchases – with online purchases of nearly everything these days, it is easy to spend your online purchases using your new American Express card. If you do not see Amex as a payment option at the checkout, most retailers now offer PayPal which you can use to select Amex as your selected payment provider.
  • Entertainment – virtually all Public houses / Bars / Restaurants now accept card payment, most will also accept Amex. But always check first, if its a major chain & they do not accept American express,  they most likely have Gift Cards available which can be purchased from your Supermarket which accepts Amex as payment.
  • Bill Payment – you will be pleasantly surprised to read that you can usually use American Express to pay your utility bills online. Even if you have a Direct Debit set up, you can still make overpayments using your credit card. 
  • Supplementary Cards – double your spending power on your new BAPP card by giving your partner / spouse a supplementary card for all their spending.

You can probably see by reading our tips above how easy it is to spend the required amount within three months to collect that generous 25,000 Avios point bonus.



What does 25,000 Bonus Avios Points Get Me?

BA Premium Economy 777

You can actually fly on British Airways in Economy from most regional airports to most European destinations for less than 25,000 Avios points.

  • For 20,000 Avios Points you can get 1 x Return flight from London to Athens & have 5000 avios left over.
  • For 15,000 Avios Points you can fly 1 x Return flight from London to Rome plus 10,000 points left over.
  • For 9000 avios points you can fly 2 x Return flights or take a partner from London to Berlin.
You can also redeem those 25,000 Avios points to upgrade from Premium Economy Class to Club World Business Class as per the picture below or Business to First Class.
britishairways a350 1000
The new British airways Club Suite with Door, available using Avios Points as an Upgrade.

British airways American Express Companion Voucher 2-4-1

British airways premium plus credit card

One of the biggest advantages of the American Express British airways Premium Plus Card is the Free Companion Voucher otherwise known as the 2-4-1 voucher.

The British Airways Companion Voucher enables the account holder, once they have spent £10,000 in a year using the BAPP card to receive 2-4-1 travel. That means you can take a Companion with you for Free when you use Avios Points to book your chosen flight/s.

It’s basically like a BOGOF (Buy one, get one free) offer by American Express inconjunction with British airways. The 2-4-1 Companion Voucher is valid from the date of issue for 24 Months so gives you plenty of time to find your preferred flights. All you need to remember is that you need to have flown atleast the outbound part of your flights before the 24 month expiry date on your voucher, the inbound section can be anytime afterwards.

This allows you, as the account holder with a Companion Voucher to take a companion with you on the same flight and cabin when you redeem your Avios Points for a British Airways avios reward flight. Taxes, fees and carrier charges do apply though.

The Amex 2-4-1 Companion Voucher can if used correctly, achieve amazing savings on your flights.

Example: You book a First Class return flight on British Airways using Avios Points, Your Companion then flies completely free even in First Class return. This 2-4-1 Voucher can represent savings when using BA First class as much as £6000 – £8000.

Taxes & Surcharges are applicable when booking Reward flights using avios points.

The British airways Premium Plus Card Earning Rate

British airways American Express card vs BA Amex Premium Plus card

 

The British airways American Express Premium Plus credit card earns Avios points at a rate of 1.5 points per every £1.00 spent using the BAPP card on qualifying purchases.

If we compare this to other avios loyalty point earning cards on the UK market today such as The American Express Preferred Rewards Gold Card, Review found by clicking the link below:

> American Express Gold Card Review <

The British airways American Express Premium Plus card earns an extra 50% more Avios Points for every pound spent on the card than other avios loyalty point cards on the market today.

The BAPP cards extra 50% more avios points earnt make this is a very lucrative card to own as it enables you including the 25,000 Bonus point introductory offer to save up enough posits for that Rewards flight including the 2-4-1 Companion Voucher.



Travel Purchases: 

Using your BAPP card on travel related purchases earns you 3 points for every £1.00 spent on British Airways flight taxes or BA Holidays. 

British airways Premium Plus Card Travel Insurance

Travel Inconvenience Insurance
Travel Inconvenience insurance covers flight cancellations, delays and delayed luggage when you pay with your Card.
  • £200 for flight delay, overbooking or missed connection
  • £750 for baggage delayed by airline for 6 hours
  • An additional £1,000 for extended baggage delay by airline
Global Assist provides help when you travel outside of the UK, in you own language, 24/7.
Travel Accident Insurance.
Travel accident insurance protects you for up to £250,000 on public transport when you buy your ticket on your Card.

American Express BA Premium Plus Card Supplementary Card

BAPP American Express supplementary card bonus

Every British airways Premium Plus Amex Card account holder can add supplementary cards to their account.

The First supplementary card is completely free and will provide you a bonus of 5,000 avios points.

If you wish to add more supplementary cards to your account after the first complimentary card, these will be chargeable.

Why you should add a Supplementary Card to your BA Amex Card Account

  • Make your £3000 Bonus offer spend requirements easier to reach by adding another card holder to your account. Double the spend, quicker to qualify!

 

  • Make the £10,000 required spend for your free 2-4-1 Companion Voucher within one year easier.

BA Amex Premium Plus vs BA Amex Credit Card

BA Amex BAPP vs BA Amex card

In this section we will look as a comparison between the two current American Express British airways credit cards available in the UK.

BA Amex

  • 5,000 Bonus Avios Points Introductory offer when you spend £1000 within the first three Months of membership.
  • Earn 1 x Avios Point per Pound spent on qualifying purchases.
  • Earn 2-4-1 Companion Voucher when you spend £20,000 a year (Expiry 12 x Months)
  • Free Travel Protection Insurance
  • Supplementary free card with 3,000 Bonus Avios Points
  • APR – 22.9% variable & Purchases
  • No annual fee

BA Premium Plus Card

  • 25,000 Bonus Avios Points Introductory offer when you spend £3000 within the first three Months of membership.
  • Earn 1.5  x Avios Points per Pound spent on qualifying purchases.
  • Earn 2-4-1 Companion Voucher when you spend £10,000 a year (Expiry 24 x Months)
  • Free Travel Protection Insurance
  • Supplementary free card with 5,000 Bonus Avios Points
  • APR – 76% variable & 22.9% Purchases
  • £195 annual fee



British airways American express Premium Plus Card Annual Fee

Unfortunately, most generous credit card sign up offer cards come with annual fee’s ranging from £95.00 – £200.

The British airways American express premium plus card annual fee is £195.00, this annual fee is applicable each and every year of membership.

British airways American express Premium Plus card eligibility

  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have no history of bad debt
  • I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal British Airways American Express Card product in the past 24 months.
  • If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds.

If you can answer yes to the above statements, you have a very high probability of being accepted.

To ensure your credit worthy, its always best to check your Credit score before applying for any type of credit. 

To check your Credit Score for Free, click on this link > Free Credit Score Report < and sign up to Topcashback who in turn will also pay you to check your Credit Score for Free. 

British airways American express card eligibility

BAPP Amex eligibility

To ensure your eligible for the Amex Premium Plus Credit Card, firstly you should ensure your credit score is good by completing a Free Credit Score Report as above.

Eligibility and your Credit limit will all depend on various factors contained within your credit score.

Too much credit already on your credit file does not automatically mean not being accepted. American express may just offer you a lower credit limit to start off which in most cases will be increased within the first three months.

Conclusions / Verdict / Opinions

BA PREMIUM PLUS AMEX CARD

There is no better earning Avios Point credit card on the UK market today than the BA Amex Premium Plus Card.

The generous benefits of 25,000 Avios points bonus, free 2-4-1 Companion Voucher & 1.5 Avios points per pound spent is outstanding.

 

The only drawback is the annual fee of £195.00 but you can reduce the annual fee by signing up for the card, spending £10,000 as quickly as possible. Then bag the 25,000 Avios points bonus & the 2-4-1 Voucher and downgrade to the fee free BA Amex card – Review Found Here > BA AMEX CARD REVIEW  

The Rules when paying for the Tax element of your 2-4-1 voucher redemption on flights are that you have to pay using your BA Amex card. In reality you can use any Amex card but downgrading to the Fee Free BA Amex works fine.

How to get Additional Avios Bonus Points for Signing Up

AMEX referral bapp

If you click this Link Here > British airways American Express Bonus < and navigate to the British Airways Premium Plus Black Card, you will earn an extra bonus of 1,000 Avios Points additional Bonus Avios offer or alternatively CONTACT US.

As an additional Bonus, once your signed up, you can add a Supplementary Card holder to your account earning an additional 5,000 Bonus Avios Points = 6,000 Extra Avios Points.

By using the extra bonus point offer on the link above & signing up for the Black Amex Card, you will earn 34,500 Avios points for spending £3000. 

American Express have recently updated the Terms & Conditions relating to Customer Sign up Bonuses.

If you have held an Amex Point earning card in the last 24 months, Amex will no longer credit to your account the generous sign up bonuses.

If you have any questions, please feel free to leave your comments below.



American Express British Airways Credit Card – BA Amex 2019 Review

American Express British Airways Credit Card BA Amex 2019 Review




Today we Review for you the Free American Express British Airways BA Amex Credit Card issued in the U.K. 

Also known as the BA Amex Credit Card, we will set out below all the benefits of the Amex British airways Card including the Great Avios Bonus Point Sign Up Offer, the Free Companion Voucher known as the 2-4-1, and all the Tips & Tricks to get the very best out of your card.

BA Amex Blue Credit Card

Before we get started, I regularly read online people stating this is not such a good card towards its Big Brother, the American Express Premium Plus Card which costs £195 a year.

I keep asking myself why, and you should too!

The British airways American Express Card is FREE, No Annual Fee, its costs you nothing and that’s forever..

You also do not have to have a large income anymore to be accepted for an Amex Card. A while ago American Express relaxed their minimum income requirements.

Every penny counts for us and annual fees are a major factor when we decide on taking out a new credit card, this should also factor highly in your decisions also.

Why should you pay £195.00 a year for a credit card, when you can get another card doing a similar thing for FREE?

Let’s start by looking at all the benefits of the British airways American Express Card.



British Airways American Express Card Key Benefits

American express ba card

6,000 Bonus Avios Points when you sign up and spend £1,000 in your first 3 Months by clicking here> BA Amex Sign Up Bonus <Otherwise you will only earn 5,000 Bonus Avios Points Bonus.

You will earn 1 Avios Point for every £1.00 you spend using the BA Amex Card.

You receive a Companion Voucher otherwise known as the 2-4-1 voucher which entitles you when buy One flight ticket using Avios Points, you get a Free ticket for your companion when you spend £20,000 a year on your BA Amex Card. Expires after 12 Months from the date of the Voucher is issued.

(Later on we will teach you how to only spend £10,000 a year to get the 2-4-1 Voucher using our Tips)

No Annual Fee forever or for aslong as you hold the card.

Regular Bonus Point offers / Cashback offers in your account.

Free Travel Accident insurance cover protects you for up to £75,000 on public transport when you buy your ticket using your BA Amex Card.

24/7 Amex Customer Service even outside of the U.K.

British airways American Express Card Annual Fee

Ba amex card earning aviosAs we have already stated above, the BA Amex Card comes with no annual fee. 

For me, this is one of the “Stand Out” benefits of this card. Why would you want to pay £195.00 a year for a credit card that only offers you a few more benefits than one for free?

With all fee free credit cards, we take them out and keep them forever in the wallet or in the drawer to use later. It doesn’t matter if you do not use the card for a while, your not paying anything for it.

BA Amex Blue Card Avios Earning Rate

British airways American Express sign up bonus

The British airways American Express card earns Avios loyalty points at a rate of 1 point per £1.00 spent. 

Now, considering this card is completely free with No annual fee’s ever, this makes this card extremely generous when you compare it to other avios point earning cards on the market today. 

The American Express Preferred Rewards Gold Card, Review found by clicking the link here > American Express Gold Card Review < earns Avios Points at the same rate but you only get your first year for Free.

Year 2 and every membership year after for the Amex Gold Card will cost you £140.00 in fee’s.

American express is becoming more & more popular these days and many retailers are starting to accept Amex on the high street and Online for payment, so using the card to rack up those avios points will never be a problem for you.



The British Airways American Express Companion Voucher

British airways Amex companion voucher

By far the biggest perk of the American express British airways card is the Free British airways Companion Voucher.

The British Airways Companion Voucher enables the account holder to receive 2-4-1 travel with a Companion Voucher when you spend £20,000 each membership year on your British airways American Express Card, expires after 12 months.

This allows you, as the account holder with a Companion Voucher to take a companion with you on the same flight and cabin when you redeem your Avios Points for a British Airways avios reward flight. Taxes, fees and carrier charges do apply though.

The Amex Companion Voucher is a 2 for 1 saving on the total amount of avios points required for an avios point reward flight.

How to Book an Award Flight using your BA Companion Voucher

Calculate how many Avios Points are required for you to take a trip entirely using Avios points return and the second person Flying with you (Companion) flies completely Free, Its like a Buy one, Get one Free offer!

Remember that the entire award booking will be subject to taxes to pay. 

To book a British airways Avios award ticket/s, navigate within your British airways Executive Club and follow the images displayed below:

British airways executive club login

 

 

 

 

 

 

 

 

 

Ensure you select from the drop down box on the left hand side of your British airways Executive Club Club page to display “Book with Avios“.

Enter your departure airport from within the UK (BA Companion Vouchers only work when departing from the UK). Then your destination airport, select Return and your preferred dates.

BA companion voucher

 

 

 

 

 

 

 

 

 

Next, you can use the “Reward Flight Finder” or “Search and Book” sections as above to find an overview of availability on your chosen dates or see availability for your chosen cabin class across all months up to a year in advance.

British airways reward flight finder

 

 

 

 

 

 

 

 

 

 

 

 

Next, select your inbound flight in your chosen cabin class and date and press Continue.

British airways American Express 241 voucher

 

 

 

 

 

 

 

 

You will then end up at your Avios Point Reward Booking summary page displaying all your selected dates and your selected cabin class of choice.

If you see the above example booking we carried out, it displays the total amount of Avios Points required and the total taxes to pay.

When using the American Express British airways Companion Voucher in your BAEC account, the total of Avios Points required for this booking would be halved so only 148,000 Avios points instead of 296,000.

The above example booking used First Class, Return fares for two passengers. Flying first Class using the BA Companion 2-4-1 Voucher in our opinion is the best value you can get when using a 2-4-1.(Cash Price £7000).

You still would have to pay £1,335.92 in taxes when using the BA Companion Voucher.

On your booking summary page there will be displayed a message if you would like to use your Companion Voucher.

BA Amex 241 companion voucher

 

 

 

 

 

 

Simply press on “Redeem” and your Companion Voucher will be applied to your booking and will automatically update the required amount of avios points required deduction 50%.

 

How to get the Best Value from the BA Companion Voucher

BA FIRST CLASS CABINS

In our opinion the best value when using your Companion Voucher would be to find availability on BA First Class. 

Award availability using Avios Points can have its benefits. You can still find availability using points and your Companion Voucher when your chosen flight dates are all sold out.

Another good value for using avios points could be in “Peak Seasons” when flight prices are hiked high saving you thousands of pounds.

Economy Class is not worth it due to the taxes you still have to pay, choosing Economy could come out at roughly the same price of paying cash for the same fare ticket but at the same time wasting thousands of avios points & the 2-4-1 voucher.

You can hold up to 2 BA Companion Vouchers at any one time in your account. Or have Companion Vouchers in your account and Companion Vouchers in your partners BA account but still fly together in the same flights.

By having more than one 2-4-1 vouchers available means you can book family members on your flights.

How to Get a BA Amex Card Companion 2-4-1 Voucher for Spending £10,000 (Not £20,000)

BA Amex upgrade 241 voucher

American express allow you to upgrade your British airways American express Card to the British airways Premium Plus Card. This can be completed within your account or by calling Amex Customer Services to action.

Spend £10,000 on your British airways American Express Card, upgrade to the BA Premium Plus Card and shortly after you will receive an email notification that you have earnt a BA Companion Voucher.

At this point, to ensure you do not pay any fees on the BA Premium Plus Card, simply downgrade your card back to the BA Amex Card you originated with. 

This tactic works and is common knowledge and allowed by Amex. Using this tip results in you receiving the same Companion Voucher issued by the £195.00 a year BA Amex Premium Plus Card but on the fee free card.

Now you know this trick, why would you pay £195.00 a year when you get almost the same benefits for Free?

British Airways American Express Card vs BA Amex Premium Plus Card

British airways American Express card vs BA Amex Premium Plus card

In this section we look at the British airways American Express Card vs the BA Amex Premium Plus Credit Card as a Comparison in Benefits & Value for Money.

As detailed above, we have been discussing mainly all the benefits of the BA Amex Blue Card, now lets look at the Black BA Amex Premium Plus benefits.

The British airways Premium Plus Card Benefits

26,000 Bonus Avios Points when you sign up and spend £3,000 in the first 3 Months of membership by clicking here> BA Amex Sign Up Bonus <Otherwise you will only earn 25,000 Bonus Avios Points Bonus.

You will earn 1.5 Avios Point for every £1.00 you spend using the BA Premium Plus Amex Card.

You receive a Companion Voucher otherwise known as the 2-4-1 voucher which entitles you when you buy One flight ticket using Avios Points, you get a Free ticket for your companion when you spend £10,000 a year on your BAPP Card, expiry 24 Months.

£195.00 Annual Fee, each & every Membership year.

Regular Bonus Point offers / Cashback offers in your account.

Free Travel Accident insurance cover protects you for up to £75,000 on public transport when you buy your ticket using your BA Amex Card.

24/7 Amex Customer Service even outside of the U.K.

Notice any similarities above to the BA Amex Blue Card?

BA Amex vs BA Premium Plus

So, the only difference in benefits we can see between the British airways American Express card vs the British airways Premium Plus Card are:

BAPP – 25,000 extra Avios Points but you need to spend £3000 in your first 3 Months of membership

BA Amex – 5,000 Avios Points when you spend £1000 in your first 3 Months of Membership.

BAPP – 1.5 Avios Points per £1.00 spent

BA Amex – 1.0 Avios Points per £1.00 spent

£195.00 annual fee for 20,000 extra Avios Points + 0.5 extra Avios Points per £1.00 spent.

My personal opinion is that 20,000 extra avios points plus 0.5 extra Avios Points per £1.00 spent does not justify £195.00 in annual fee’s!

Our Verdict / Recommendations

British airways American Express card vs BA Amex Premium Plus card 

When you compare the two cards side by side for benefits, there is not a lot between the two in our opinion.

For the £195.00 annual fee your getting 20,000 extra avios and 0.5 extra avios on your spend. You could argue that having to spend £10,000 on the BAPP card will get you an extra 5,000 avios points from your spend = 25,000 Avios Points in total for £195.00.

Using our Tip, simply by Upgrading your British airways American Express Credit Card to the BA Amex Premium Plus Card by one click in your account or by calling up Amex Customer Services, you can have exactly the Same BA Companion 2-4-1 Voucher with an expiry date of 24 Months instead of 12 Months currently offered by the BA Blue Amex card.

All you need to remember is to downgrade your BAPP card back to your BA Amex card once you have been notified your 2-4-1 Companion voucher is ready to use in your British airways executive club. If you do this before the end of your first month of having the BAPP Card, you will not pay any Pro-rata fee’s applicable.

The Rules when paying for the Tax element of your 2-4-1 voucher redemption are that you have to pay using your BA Amex card. In reality you can use any Amex card but best to keep the BA Amex to pay, remember its free!

How to get the additional Avios Bonus Points for Signing Up

BA Amex referral avios bonus

 

 

 

 

 

 

If you click this Link Here > British airways American Express Sign Up Bonus < and navigate to your preferred AMEX CARD, you will earn the additional Bonus Avios offer or alternatively CONTACT US.

As an additional Bonus, once your signed up, you can add a Supplementary Card holder to your account earning an additional 3,000 Bonus Avios Points = 9,000 Avios Points.

American Express have recently updated the Terms & Conditions relating to Customer Sign up Bonuses.

If you have held an Amex Point earning card in the last 24 months, Amex will no longer credit to your account the generous sign up bonuses.

We hope you have found this article educational to assist you in earning avios points for free & bagging that great 2-4-1 Companion Voucher. If you have any questions, please feel free to leave your comments below.



American Express Gold Card UK 2019 Review

American Express Gold Card UK 2019 Review

The American Express Gold Card otherwise known as the Amex Preferred Rewards Gold Card for the UK Loyalty Point Collector is Simply in our opinion the Very Best card available on the Market Today. Just one of the amazing Benefits of this card is that it offers 10,000 Amex Membership points (12,000 points when you Contact Us) after spending £2000 In 3 x months. 12,000 Reward Points converts over to various airline / Hotel Partners such as the popular Avios rewards.

Overview:

In this Review article we will be looking at in detail all of the benefits that the Amex Gold Credit Card in the UK has to offer customers such as the 12,00 Bonus points Promotion, Free Lounge Passes, Free Travel Insurance cover, eligibility, earning Membership Reward points on everyday spend, the 10,000 point anniversary bonus, hotel room upgrades, discounts on hire cars, Purchase protection using the gold card, regular bonus point / cashback promotions, discounts using the Amex travel website, eligibility, credit score, Priority pass, offers & benefits, application & how to contact.

American express Gold Card Eligibility

Most people new to the Credit Card market usually think American Express cards are for only people who earn a considerable amount of money or wealthy. The fact is that the American Express Gold Preferred Rewards Card is available to almost anyone.

About two years ago Amex decided to change their eligibility criteria and now you do not need a Minimum income requirement to apply and be accepted. As long as your credit rating is fairly good, you have an excellent chance of being accepted. 

Where to use your Gold Credit Card in the UK

American Express Gold Rewards Card payment

Amex has not been the preferred choice of consumers in the past due to the reduced number of retailers who accept American Express cards as payment. This has changed in recent years, all big retailers like all Supermarkets, restaurant chains, online outlets all now accept American express. 

A great Tip to be aware of is if you plan to make a purchase online and do not see the Amex logo displayed as a payment option, look for the PayPal logo instead. PayPal accept American express as a payment option so all you need to is enter your card details in your PayPal account, now you can use your Gold Card as payment online.

Another way to use as payment if a retailer for some reason does not accept Amex, such as a payment option, simply buy gift cards from any major supermarket using your Gold card for that retailer.

There also lots of ways of using your card on payments that you would otherwise usually use cash through your bank account like Direct Debits to Utility companies, Council Tax etc. We will go into more detail in these routes a little later on.

10,000 / 12,000 Bonus Point Promotion

Amex Gold Bonus

When you apply for the American Express Gold Credit Card and spend £2000 in the first 3 x months, you will be rewarded to your account 10,000 Membership Reward Points. You can increase that bonus by “Contacting Us” to earn 12,000 MR Points instead of 10,000. 

We will send you details by email how to earn an extra points on your Bonus, this can only be done by someone who has already an account set up with Amex. 

The 10,000 MR points can be used in many ways, if you transfer that amount to Avios, you will have enough points to redeem for a free flight to various places in Europe from London. You can also transfer your Bonus points to various other airline / Hotel Partners including Virgin Atlantic, Etihad Guest, Emirates, Hilton Honors, Radisson or Marriott. You can either choose from a free economy flights with British Airways to Europe or maybe enough for One Free Night in a hotel, that’s the benefit of the points, they are flexible and can be used to pay towards or in full of your chosen travel arrangements.

American Express Gold Card Lounge Access

American express gold Lounge Club amex gold
Lounge Club Free Passes

As part of your cards benefits, you will also receive once a year, two Free Lounge Passes. Generally to purchase lounge access will cost you around £25 each so you receive for Free approx £50 worth of lounge passes per year.

The Free Lounge Passes are applicable at all lounges in the world as part of a company called Lounge Club. Lounge Club provides customers lounge access at various airports around the world for a fee, either per entry or you can buy separately yearly membership. Lounge Club offer you free access to over 700 x airport lounges around the world.

You can use your American express Preferred Rewards express gold card free Lounge Passes not just for yourself but also on a guest so you’re not restricted if travelling together. You are also able to purchase after you have used up your two free passes at a discounted rate. 

Each and every year you’re an Amex Gold Card member, you will receive through the post two new free Lounge passes.

American express Gold Card UK Offers

As part of the package of your Gold Credit Card, you also receive regular offers to your account. There is a specific section in your account which holds and displays all new and current offers applicable to you. Most of these offers are tailored to your specific spending at different retailers so can be very attractive. 

We usually have up to 15 x different offers at any one time. Some offers will be for example 10 – 20% cashback if you use your Gold Card to pay for items at a specific retailer. You will also receive regularly bonus point offers for a specific spend amount. The points and savings can quickly add up using the offers section, we strongly recommend that you sign up to all Marketing communications from Amex when you take out a card, this option will ensure your sent an email as soon as they are entered into your account.

You will need to be fast as the best offers are usually only available to the first certain amount of thousand people. All you need to do is simply accept the offer/s in your account as soon as you are made aware of them. Once you have clicked “Save Offer”, it’s saved until it expires. You can save as many offers as you want in your account and you’re not under any restrictions to actually use the offer/s if you do not wish to.

American Express Gold Card UK Benefits

As discussed previously, the benefits of the Gold Rewards Card for loyalty point collectors are brilliant. Below we have attached pictures of all the transfer partners and the redemption rates applicable to each partner. You will see the best Hotel / Airline partners listed below.

Amex Gold card members earn One point for every £1 spent on purchases.
2 x points for every £1 spent directly with airlines or in a foreign currency.
3 x points for every £1 spent at American Express Travel, your exclusive Card member online travel site.
 

American Express gold credit card transfer partners uk

Amex transfer partners uk

Amex Gold Card transfer partners uk

Amex gold card hotel transfer partners uk

American express Gold Credit Card Travel Insurance

Amex travel insurance uk
Amex travel insurance protection cover uk

If you pay for flights using your Gold Card, your instantly protected by free travel insurance protection. The cover includes inconvenience up to The sum of £200 if your departure was missed, this could be for instance from a result of an accident, car breakdown on the way to travel, or you have simply missed a travel connection. Also, you will be compensated to the figure of up to £200 also if you luggage is delayed by an airline for four hours or more.

There are some exceptions though that you need to be aware of including the protection does not cover you if the travel,operator has already offered you an alternative, the delay of luggage was on the final part of your journey, delays under four hours.

The Card holder and any supplementary Cardmembers and also respective partners and dependent children under the age of 23 are all covered by the protection. This includes if they are travelling together or alone on business and or on leisure trips.

 

American Express Preferred Rewards Gold Card UK Anniversary Bonus

All American Express Gold card members receive an Anniversary Bonus each and every year of membership. Each member receives a very generous 10,000 Membership Rewards points after each year if you spend at least £15,000 within the previous 12 month period.
 
The bonus 10,000 points take on average 2 x weeks to credit to your account in the following year of your account. This extra bonus can be transferred to one of the many airline / Hotel Partners or redeemed for a gift card to use at most retailers.
 

American express gold card annual fee

In year one of your membership, your annual fee is completely free. On the anniversary of your first year of membership you will be billed directly to your account year 2’s full membership fee of  £140. 

You can cancel your membership at anytime, if you pay the annual fee of £140 and decide to cancel your membership during year 2, you will receive a pro-rata refund of the difference. As an example, you pay for year 2’s membership but decide to cancel one month after. You would receive approximately 11 x months pro-rata refund, membership refunds are calculated on a daily rate also.

Gold Card Credit Limit 

On the successful application, you will be communicated your allocated Credit Limit on your account. Your allocated credit limit will depend on different factors including your income, expenditure and if you already hold other credit cards with balances outstanding. As an example, we were provided a credit limit of £6800 in the first month, this was increased to £10,000 after 6 x months.

Hotel Collection Programme

An often missed perk of this card is the Amex The Hotel Collection’ programme.This provides an upgrade up to £100 credit when you book a two night or more stay at participating hotels detailed in the programme.  The hotels participating include Radisson Blu, Omni, Kimpton, Hilton, Sofitel and lots more. 

American express gold additional card fee

Additional cards or Supplementary cards as they are official known as are available on your account. supplementary cards are a fantastic way to make your spend requirements for the generous 10,000 MR bonus after 3 x months. 

Your first supplementary card is completely free of charge, sometimes Amex will send you an email invitation to take out a supplementary card offering you a bonus. We received this invitation and even before the supplementary card had arrived, 3000 bonus points were credited to my account.

If you wish to add more supplementary card holders on Your account to family members, each additional supplementary card will cost £45.00 each.

American express gold application

Amex application form uk
application form uk

The application process is extremely easy to complete online. You will be required to complete all sections as per the sections above. Information such as annual income, time at your current address, previous home addresses if you have moved within the last three years, other credit cards held and balances etc. 

Once you have submitted your application online, you will either receive an instant decision statement if successfully accepted or a message they will be in contact shortly with a decision. If you do not receive an instant decision, do not think your not accepted, it usually means some additional checks need to be completed using a credit reference agency using your credit file. 

In our instance, even though we meet all the requirements of the Gold credit card application, we never get an immediate decision. It usually takes up to 7 x days for a successful application communication. We find that we receive our cards through the post before we receive a communication that we were successful in our application.

Gold Credit Card balance transfer

Amex Gold Card transfer
Amex Gold Card transfers uk

Your account will communicate to you how to balance transfer from other cards. Balance transfers are 9,9% for the first 6 month period. You can either call up to complete a balance transfer or online through your account. The details required include your American Express Card details, Credit Card account number or the number on Gold Card. 

You will need to have the details of the Name of the other bank where the balance is held you wish to transfer and the amount you wish to transfer. 

Gold card login details

Amex gold credit card Login
Amex gold credit card Login
 
Your account provides easy online accessibility 24 x hours a day. You will be required at the application stage to enter a correspondence or account nominated email address and your preferred User identification details and your selected password details. You will need to remember these to enable online access to your account. 
 
If you do forget your login details, you can easily recover your user ID and passwords by simply entering details off your card, your date of birth etc.

American express gold card phone number

Amex Gold Card contact details
Amex Gold Card contact details uk

Our Verdict / Recommendations 

As stated before, the American Express Preferred Rewards Gold Card is one of the very best credit cards in the UK today. When you consider all the benefits and offers and that you do not pay any annual fee in year one, you really cannot beat this Card.

The range of airline / Hotel Partners you can transfer your points to is one of the most comprehensive available. With double MR points (2 per £1) on all travel treated spend like airline tickets or hotels, your points will soon mount up fast.

If your into collecting airline or hotel loyalty points so you can potentially stay in Luxury hotels or fly in the best airlines in the world, this Card is for you.

If you would like to earn 12,000 MR Points instead of 10,000 points, simply drop us a line via our Contact Us section on our home page.