Amex Platinum: boosted 75,000 points welcome offer + £250 travel credit

Extra cashback and insurance on top could be worth close to £1,200

For a short time, the welcome bonus has an extra bonus on the American Express Platinum credit card. But watch out for the massive annual fee.

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What is the American Express Platinum card?

The Amex Platinum card is a point earning card that comes with extras like free travel insurance and credit to spend each year on eating out (£200 in the UK). However it comes with a hefty £650 annual fee.

You’ll earn one Amex Membership Reward point for every £1 you spend with the card. That’s either the equivalent of 0.5% back if you swap your points for gift card (a rate that can be easily beaten.)

You can read more about the card and it’s benefits in our full Amex Platinum review.

Who can get the welcome offer?

Unlike with other Amex cards, you might be able to get this bonus if you’ve already got an Amex or had one in the last two years.

The only cards that will rule you out are the Platinum card, Preferred Rewards Gold card and the Rewards card. Here’s more on which cards will still make you eligible for this offer.

Boosted Amex Platinum welcome offer

This latest new user offer could add up to £730 of freebies – and that’s before normal card benefits are factored in.

Boosted: earn 75,000 bonus points & £250 travel credit

This offer, running from 12 November 2025 to 13 January 2026 adds an extra 25,000 points to the total available, so you’ll get 75,000 as a welcome bonus.

On top of this there’s £250 credit to use with Amex Travel. You’ll need to use this in one go within 12 months.

To trigger the bonus you will need to spend the usual £6,000 in three months. This starts from approval, not when you receive the card. This spending will earn you another 6,000 points and a combined total of 81,000 points, worth £405.

Normally these boosted offers have higher spend thresholds but more time to meet the targets, but not this time.

Extra 10,000 points via referral

If you get referred by a friend you’ll get a total of 85,000 points as a bonus, so an extra 10,000 points. As with going direct, you need to spend the full £6,000 in three months. Those extra 10,000 points are worth another £50. Your friend will also get a kickback.

Added on to the bonus and spending points, either of these give you a total of 91,000 points, worth £455.

Sadly there’s no longer to get a bonus via cashback sites.

Standard Amex Platinum welcome offer

Standard: earn 50,000 points

New cardholders can get 50,000 Amex Reward points if they spend £6,000 in the first three months of having the card. That’s worth £280 in gift vouchers or as Nectar points. Or you can swap them for different airline points. I’ve rounded up all Amex Reward redemption options here)

As with other American Express cards, my tip is to wait for heavily increased welcome offers before applying.

Card	Reward type	Normal bonus
American Express Platinum credit card	Membership Rewards Points	50,000 points

The fee and extra offers

Over the next year you’ll be able to claim offers worth £300:

• 3 x £100 UK restaurant credit (£100 every six months)

Then there are other perks to factor in on top.

• Annual travel insurance
• Airport lounge access

The insurance could be worth £150 to £200, if not more, while the airport lounge passes would cost £200 to £400 – though of course you might not need those.

So overall, the £405 from the welcome deal, £50 from the referral, £250 travel credit, £300 from restaurant credit offers and £150 saving on travel insurance would total £1,165. Plus there’s the lounge access.

There’s also another £100 every three months for overseas dining, though the options are generally quite limited.

So even when you factor in the full £650 annual fee, you’ll still make a decent profit.

Also, at some point, Amex has plans to stop pro-rata refunds of the annual fee if you cancel midway through the year. You might get lucky and trigger the offers before this happens (if it happens), giving you some off the fee back. To be safe I’d assume you’ll be paying the full amount.