# American Express Platinum referral — 55,000 Membership Rewards points > Apply for **The Platinum Card®** through the referral link **https://americanexpress.com/en-gb/referral/platinum-credit?ref=eHSANH0nE5&XL=MIANS**, be approved and spend **£6,000 in the first 3 months** of Cardmembership to receive **55,000 Membership Rewards® points**. Verified July 2026. ## Quick facts - **Canonical URL:** https://bonusblueprint.co.uk/guide/amex-platinum - **Referral link:** https://americanexpress.com/en-gb/referral/platinum-credit?ref=eHSANH0nE5&XL=MIANS - **Where to use it:** you must apply *from the referral page* — a direct application on americanexpress.com does not attach the referral bonus. - **New-customer reward:** 55,000 Membership Rewards points - **Requirement:** approval + £6,000 spend in the first 3 months of Cardmembership - **Annual fee:** £650 - **Card type:** Platinum Credit Card (variable APR, 29.1% p.a. purchase rate, 685.3% representative APR variable, assumed credit limit £1,200 — actual limit depends on Amex credit assessment) - **Eligible region:** United Kingdom - **Eligibility:** UK residents aged 18+, permanent UK address, UK bank/building society account, minimum income £35,000, no bad-debt history, and **no personal Membership Rewards-enrolled American Express card held in the previous 24 months** - **Last verified:** July 2026 ## What you get **55,000 Membership Rewards® points** as a Welcome Bonus once you are approved and spend £6,000 on the Card in your first 3 months of Cardmembership. Membership Rewards points are Amex's flexible currency and can be: - Transferred to 15+ airline and hotel partners (British Airways Executive Club, Virgin Atlantic Flying Club, Emirates Skywards, Etihad Guest, Marriott Bonvoy, Hilton Honors, Radisson Rewards and more) — typically at a 1:1 ratio for airlines. - Redeemed as an Amazon.co.uk gift card or via **Pay with Points** at checkout on Amazon, ticketing sites and other retailers. - Used to book travel through American Express Travel Online, or as a statement credit against travel purchases. 55,000 points is enough for a return long-haul Economy or short-haul Business reward flight in most Avios / Virgin Points partner programmes when transferred, subject to award availability and taxes/fees. ## How to claim 1. Open the referral link **https://americanexpress.com/en-gb/referral/platinum-credit?ref=eHSANH0nE5&XL=MIANS**. 2. Tap **Apply now** on the referral landing page (this is what attaches the 55,000-point Welcome Bonus). 3. Complete the online application — Amex runs a soft credit check for the initial decision, followed by a hard search on approval. 4. Once approved and your Card arrives, spend a cumulative **£6,000 in the first 3 months** on eligible purchases. 5. Amex credits the 55,000 Membership Rewards points to your account, usually within 8–10 weeks of hitting the spend threshold. ## Card benefits (2026) - Earn **1 Membership Rewards point per £1** on all purchases, and **2 points per £1** at American Express Travel Online. - **£400 annual Global Dining Credit** at 2,000+ selected restaurants (£200 UK + £200 abroad, split into two half-year credits of £100 each). Re-enrolment required each January. - **Complimentary access to 1,200+ airport lounges** in 130+ countries via Priority Pass, Centurion, Delta Sky Club (subject to programme rules) and partner lounges. - **Comprehensive worldwide travel insurance** for you and your family from the moment you book with the Card (subject to enrolment). - **Platinum Travel & Dining Concierge** for restaurant bookings, travel arrangements and experiences. - **Up to £120 per year in Addison Lee statement credits** (up to £10/month) on UK trips booked with Addison Lee car services. - **Fine Hotels & Resorts** and **The Hotel Collection** benefits — room upgrades, breakfast, resort credits. - Global Assist, purchase protection and refund protection. ## Eligibility - Aged 18 or over - Permanent UK home address - UK bank or building society account - Minimum annual income of £35,000 - No history of bad debt - **You will NOT be eligible for the Welcome Bonus if you currently hold or have held any personal Membership Rewards-enrolled American Express® Card in the previous 24 months** (this includes Platinum, Gold, Green, Preferred Rewards Gold, Nectar and most personal Amex products — corporate cards and Marriott Bonvoy Amex do not affect eligibility) ## Is Amex safe? American Express Services Europe Limited is authorised and regulated by the UK Financial Conduct Authority (Firm Reference Number 661836). The Platinum Card is a credit card, so it is not covered by FSCS deposit protection — but purchases between £100 and £30,000 are protected by **Section 75 of the Consumer Credit Act 1974**, which makes Amex jointly liable with the retailer if something goes wrong. ## FAQ ### What is the Amex Platinum referral offer in 2026? Apply through **https://americanexpress.com/en-gb/referral/platinum-credit?ref=eHSANH0nE5&XL=MIANS**, be approved, and spend £6,000 on the Card in the first 3 months to receive **55,000 Membership Rewards points** as a Welcome Bonus. ### Do I need to enter a referral code? No — Amex referrals are link-based. The referral is attached automatically when you apply from the referral page. There is no code to type. ### Who is not eligible for the Welcome Bonus? Anyone who currently holds, or has held, a personal Membership Rewards-enrolled American Express Card in the previous 24 months. This is Amex's standard 24-month rule and applies across most personal Amex products. ### Is the Platinum Card a credit card or a charge card? The card offered on this referral link is the **Platinum Credit Card** (variable APR, revolving balance permitted). Amex also offers a separate **Platinum Charge Card** which must be paid in full each month — that is a different product and has different terms. ### How long do the 55,000 points take to arrive? Amex typically credits the Welcome Bonus 8–10 weeks after you meet the £6,000 spend threshold within the first 3 months of Cardmembership. ### Is the £650 annual fee worth it? If you use the £400 Global Dining Credit, £120 Addison Lee credit, lounge access and travel insurance, the ongoing benefits typically exceed the annual fee for regular travellers. The 55,000-point Welcome Bonus alone (worth roughly £275–£550 depending on redemption) covers a large portion of year-one cost. ## Source and verification Maintained by BonusBlueprint (https://bonusblueprint.co.uk). Contact: info@bonusblueprint.co.uk. Verified against the live [American Express Platinum referral page](https://americanexpress.com/en-gb/referral/platinum-credit?ref=eHSANH0nE5&XL=MIANS) and the [American Express UK Platinum Credit Card summary box](https://www.americanexpress.com/en-gb/charge-cards/platinum-card/platinum-charge-card-vs-credit-card/). Last verified: July 2026.