American Express Referral
Here’s how to take advantage of the American Express referral offer and score up to 100,000 Membership Rewards points in just a few easy steps: (Remember you can order ANY card. The link will take you to the Platinum card but click all cards top left)
Click this exclusive referral link: https://americanexpress.com/en-gb/referral/platinum-credit?ref=fAISANFZsj&XL=MIANS. The link directs you to the Amex Platinum Credit Card application page (but you can click the arrow button to choose a different card) and the referral is automatically applied. Complete the application, and once approved and eligible spending requirements are met, the bonus points—often credited within a few weeks—will appear in your account. That’s all you need to do to unlock a significant rewards boost right from the start.
American Express in the UK: The Complete 2025 Guide
When it comes to premium credit cards and rewards programmes, American Express (Amex) is one of the most recognised names in the world. Known for its exclusive benefits, strong rewards structure, and premium customer service, Amex has built a loyal following in the UK.
But with a wide variety of cards available—from cashback to travel rewards—choosing the right Amex product can feel overwhelming. This guide breaks down what American Express offers in the UK, who it’s for, what the benefits are, and whether it’s worth applying.
American Express Referral Code UK 2025 – How to Get Up to 80,000 Points
If you’re thinking about signing up for an American Express card, one of the smartest ways to do it is by using an American Express referral code. Not only does it unlock a boosted welcome bonus for you as a new customer, but it also rewards the person who referred you.
Right now, you can apply through this exclusive American Express referral code link:
👉 https://americanexpress.com/en-gb/referral/platinum-credit?ref=fAISANFZsj&XL=MIANS
By using this link, new customers can earn up to 80,000 Membership Rewards points—one of the most generous Amex referral offers available in the UK dependant on card ordered.
1. Who Is American Express?
Founded in 1850 in the US, American Express started as a freight forwarding company before expanding into financial services in the early 1900s. Today, it’s one of the world’s most valuable financial brands, known for premium cards, global acceptance, and its Membership Rewards programme.
Amex entered the UK market decades ago and has steadily grown, offering both personal and business credit cards designed around rewards, travel perks, and cashback.
2. American Express in the UK: Card Types
American Express UK offers a range of credit and charge cards, each tailored to different spending habits. Here are the most popular categories:
A. Cashback Cards
- Platinum Cashback Everyday Credit Card
- No annual fee
- 5% cashback for the first 3 months (up to £100)
- Up to 1% cashback thereafter
- Platinum Cashback Credit Card
- £25 annual fee
- 5% cashback for first 3 months (up to £125)
- Up to 1.25% cashback on purchases
B. Travel & Rewards Cards
- Preferred Rewards Gold Credit Card
- Annual fee: £195 (first year often free)
- Earn Membership Rewards points (convertible to Avios, Nectar, hotel points)
- 2 complimentary airport lounge visits per year
- Travel insurance benefits
- The Platinum Card® (Charge Card)
- Annual fee: £650
- Unlimited Priority Pass lounge access for you + guest
- £300 annual dining credit (split across UK & abroad)
- Extensive travel insurance for family
- Elite hotel loyalty status (Hilton Honors Gold, Marriott Bonvoy Gold, etc.)
- British Airways American Express® Card
- No annual fee
- Collect Avios points on everyday spending
- Spend £12,000 annually to receive a Companion Voucher for BA flights
- British Airways American Express® Premium Plus Card
- Annual fee: £300
- Higher Avios earning rate
- Spend £10,000 to unlock a 2-for-1 Companion Voucher, valid in all BA cabins (including First Class)
- Nectar Credit Card from Amex
- £30 annual fee
- Earn Nectar points faster on everyday spending
- Points redeemable at Sainsbury’s, Argos, eBay, and more
C. Business Cards
Amex also offers business credit and charge cards in the UK, including:
- American Express Business Gold
- American Express Business Platinum
- Cashback Business Cards
These come with tailored rewards, expense management tools, and perks for SMEs.
3. Key Features & Benefits of Amex in the UK
Here’s why so many people choose Amex over traditional banks:
- Membership Rewards Points → Flexible rewards scheme redeemable for Avios, hotel loyalty points, gift cards, and more.
- Cashback Options → Simple, no-fuss cashback for those who prefer money back instead of points.
- Airport Lounge Access → Premium cards unlock free access to Priority Pass lounges worldwide.
- Travel Insurance → Comprehensive coverage included with higher-tier cards.
- Exclusive Offers → Amex “Shop Small” promotions, ticket presales (American Express Invites), and targeted cardholder offers.
- Customer Service → Amex is consistently praised for UK-based, 24/7 customer support.
- Security → Industry-leading fraud protection, with the ability to freeze/unfreeze cards instantly via the app.
American Express Referral Programme UK: Your In-Depth Guide
What Is the Amex Referral Programme?
American Express runs a “Refer-a-Friend” programme that rewards both existing cardholders and new applicants. By using a unique referral link, new cardholders can unlock enhanced welcome bonuses when approved for an eligible card
Here’s how it typically works:
- An Amex cardholder shares their unique referral link.
- A friend uses this link to apply for an eligible American Express card.
- If the application is approved, both parties earn bonus rewards—which vary by card type.
- Referral limits apply: you can earn up to 90,000 Membership Rewards, Avios, Nectar points, or £150 cashbackper calendar year.
Using Our Exclusive Referral Link: How It Works
Click here to apply and get up to 80,000 points (offer changes regularly, but you will receive the best current offer)
https://americanexpress.com/en-gb/referral/platinum-credit?ref=fAISANFZsj&XL=MIANS
Here’s a step-by-step explanation:
- Click & Apply
Visit the referral link above to begin your application for the Amex Platinum Card. This ensures you receive the enhanced 80,000 Membership Rewards points offer. Note that the link will take you to the Platinum card, but the referral offer will apply to most of the cards available. You can click the arrow button top left to see the other cards available with the referral offer - Approval & Card Setup
Once approved, activate your card and begin meeting any spend thresholds required (commonly, spend criteria must be met within 3 months). - Receive Your Bonus
The bonus points are typically credited within up to 10 weeks of approval. - Referrer Earns Too
The cardholder who shared the link receives a referral bonus—usually tens of thousands of points based on their card type.
What 80,000 Membership Rewards Points Could Be Worth
Typical Value Ranges
- Around 0.75p–1.25p per point when used for premium travel redemptions like flight upgrades, giving you £600 to £1,000 in value for 80,000 points.
- Average benchmark value is £800 (at 1p per point).
- The Points Guy (TPG) estimates Membership Rewards points can reach 2 cents (~£0.0167) under optimal travel redemptions, potentially giving 80,000 points a value of around £1,333.
- Entry-level redemptions (like statement credit or Amazon groceries) are far less—usually around 0.6p per point, making 80,000 points worth approximately £480.
Best Redemption Options
- Transfer to airline partners like Avios, Flying Blue, or KrisFlyer—commonly 1:1 ratios, good for long-haul premium flights.
- Hotel loyalty transfers such as Marriott Bonvoy (2:3 ratio) or Hilton Honors (1:2 ratio)—can yield 0.75p–0.66p per point.
- Amex Fine Hotels & Resorts bookings—guarantee ~1p per point plus elite benefits.
Why Use a Amex Referral Code?
- Superior bonus: Referral links regularly offer enhanced bonuses compared to the public Amex website.
- Mutual benefit: Both you and your friend receive points if the application is approved.
- Flexibility: Referree can switch card type on the Amex site even after clicking the referral link.
- High earning cap: You can collect up to 90,000 points per year from referrals.
Summary Table
| Step | Action |
|---|---|
| 1 | Apply using the referral link to activate the 80K points offer. |
| 2 | Spend required amount within the timeframe to trigger the bonus. |
| 3 | Wait up to 10 weeks for points to credit. |
| 4 | Choose how to redeem points: flights, hotels, travel credit, etc. |
| 5 | Redeem strategically—best value comes from transfer partners. |
Final Thoughts
If you’re considering an American Express card, this referral link—**https://americanexpress.com/en-gb/referral/platinum-credit?ref=fAISANFZsj&XL=MIANS**—is one of the most rewarded ways to sign up, offering up to 80,000 Membership Rewards points. Depending on how you use them, those points could be worth anywhere between £480 and over £1,300.
To get the most value:
- Be strategic about redemption (airlines, hotels, FHR).
- Follow the steps to ensure the welcome bonus is triggered.
- Remember—Amex’s referral caps are generous, so don’t hesitate to refer others in turn!
Let me know if you’d like help crafting a companion landing page or SEO snippet to target “American Express referral code UK” searches!
4. What Do UK Customers Say About Amex?
Trustpilot (4.1/5 rating)
- Positive Feedback:
- Excellent customer service—fast, friendly, and UK-based.
- Rewards programmes are generous compared to banks.
- Travel perks (lounges, companion vouchers) get high marks.
- Negative Feedback:
- Not all UK retailers accept Amex (though acceptance is growing).
- Premium cards carry high annual fees.
- Cashback/point rewards work best for higher spenders.
Forums & Reddit
- Frequent travellers and business owners swear by Amex Platinum and BA Premium Plus cards for the Companion Voucher and lounge access.
- Everyday spenders often prefer the Platinum Cashback card for simple value without points complexity.
- Some frustration remains around smaller shops still refusing Amex, though schemes like “Shop Small” are helping.
5. Downsides of American Express UK Cards
While Amex has many strengths, here are things to consider:
- Acceptance Issues → Some small businesses, local cafes, and independent retailers don’t accept Amex due to higher merchant fees.
- High Annual Fees → Premium cards like Platinum (£650) only make sense if you travel often and use all included benefits.
- Best for Higher Spenders → Cashback and rewards structures tend to reward higher monthly spend.
6. How to Maximise an Amex Card in the UK
- Pick the Right Card → Choose cashback if you want simplicity; Gold or Platinum if you want travel perks; BA cards if you’re an Avios collector.
- Use Referral Codes → Amex has one of the most generous referral programmes, giving both referrer and referee bonus points.
- Combine with Loyalty Schemes → Double-dip rewards by linking Amex to BA Executive Club, Nectar, or hotel programmes.
- Take Advantage of Offers → Always check the Amex app for discounts, cashback promos, and “Shop Small” savings.
7. Pros & Cons at a Glance
Pros:
✅ Excellent rewards structure (cashback or points)
✅ Premium travel perks (lounges, insurance, hotel status)
✅ UK-based 24/7 customer service
✅ Strong security features
✅ Generous referral programme
Cons:
⚠️ Limited acceptance in some shops
⚠️ Annual fees on premium cards can be expensive
⚠️ Best value comes with higher monthly spending
8. Final Verdict: Is Amex Worth It in the UK?
For many UK consumers, American Express offers unbeatable value—if you use the benefits wisely. Frequent travellers will find the lounge access, insurance, and companion vouchers worth the annual fees, while everyday shoppers can still benefit from cashback or Nectar points.
If you’re someone who:
- Travels regularly,
- Spends £1,000+ per month on a card,
- Or loves maximising rewards schemes…
…then Amex is a fantastic choice.
Bottom Line: For the right spender, American Express in the UK is not just a credit card—it’s a lifestyle upgrade.
Remember the American Express referral code programme is one of the best ways to get started with Amex. With the current offer of up to 80,000 Membership Rewards points, it’s the ideal time to apply.
👉 Use this exclusive referral link now to claim your bonus:
https://americanexpress.com/en-gb/referral/platinum-credit?ref=fAISANFZsj&XL=MIANS
Whether you’re looking for free flights, hotel stays, or cashback, these points give you a serious head start.
