American Express - Earn 22,000 points signing up 💳

Free Money — Credit — American Express

Time needed 5 minutes

Deposit £3,000

American Express (Amex) is a global financial services company best known for its premium credit cards and generous rewards schemes. Their Preferred Rewards Gold Card is a top choice for those looking to earn points, enjoy travel perks, and build credit—with no fee in the first year.

To claim the 22,000 points:

1. Sign up here - for the Amex Preferred Rewards Gold Card

2. Complete your application and verify your ID

3. Activate your physical card when it arrives and make your first purchase (any amount) within 30 days

4. Spend £3,000 on the card within 3 months to receive 22,000 Membership Rewards points (over double the standard offer!)

Tip: Use the card for everyday expenses like groceries, bills, insurance or even holidays to hit the £3,000 spend easily. Avoid interest charges by paying off in full each month.

Key Benefits Include:
– 4x free airport lounge passes yearly (via Priority Pass)
– £120 Deliveroo credit (£10/month)
– Flexible points that can convert to Nectar, Avios & more
– Free for the first year (£195 annual fee thereafter – cancel any time)

👉 [Here’s a guide for easy ways to make payments to qualify for offers like this.]

👉 [Learn more about American Express here.]

👉 [Get notified about new offers here]

👉 [Have a referral link? Share it here]

👉 [Need to see the T&Cs for this offer? Click here]

Enjoyed this offer? Check out more great Credit offers below!

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FAQ’s

• What is American Express?

  American Express (often called Amex) is a global financial services company that offers:

  • Credit cards and charge cards

  • Rewards and cashback programmes

  • Travel and insurance benefits

  Unlike most banks, Amex is both:

  • The card issuer

  • And the payment network

• Is American Express safe?

  Yes — American Express is very safe and well-established.

  • Regulated in the UK by the Financial Conduct Authority (FCA)

  • Strong fraud protection and buyer protection policies

  • 24/7 monitoring for suspicious transactions

  However:

  • It is a credit card provider, not a bank

  • So it does not use FSCS deposit protection (because you’re borrowing, not saving)

• How does American Express work?

  Amex cards work like most credit cards:

  1. You spend using your card

  2. Amex pays the retailer

  3. You repay Amex (monthly or over time)

  Key difference:

  • Many Amex cards offer rewards, points, or cashback on spending

• What credit score do you need for Amex?

  You typically need:

  • A good to excellent credit score

  • Stable income and credit history

  Amex offers an eligibility checker so you can see your chances without affecting your credit score.

• Does American Express have fees?

  It depends on the card.

  • Some cards are free

  • Others charge annual fees (e.g. £160–£650+)

  In return, you may get:

  • Cashback

  • Travel perks

  • Points and rewards

• Does American Express have a refer a friend scheme?

  Yes, American Express has a refer a friend offer.

  Right now, you can get 22,000 Amex points when your membership is approved.

  Have a referral link to share? Share it on our sister site here.

• How do I contact American Express UK?

  In-app / online chat (recommended)

  • Log in to your account

  • Use the live chat feature

  • Available 24/7

  Phone (UK)

  • General customer service: 0800 032 7216

  • Many cards have specific numbers on the back of the card (recommended to use)

  From abroad

  • +44 (0)1273 675 533