American Express Platinum referral bonus (2026): Claim 90,000 Points Deal

You can earn 90,000 Membership Rewards points when you apply for the American Express Business Platinum Card through the StartGround exclusive referral link and spend £6,000 within your first three months. This welcome bonus sits well above the standard public offer, which makes the referral route the smartest way to apply right now.

StartGround Amex Platinum Referral Bonus	Details
Partner Promo Code	Direct Referral Link
Offer	90,000 Membership Rewards points welcome bonus
Spend Requirement	£6,000 in the first 3 months of Cardmembership
Eligibility	UK-based LTD or LLP directors/members, aged 18+, £35,000+ personal income
Redemption Method	Apply via the StartGround exclusive referral link
Annual Fee	£650
Last Verified	July 2026

This is a verified StartGround partner referral offer.

The Business Platinum is the flagship charge card for UK company directors, combining airport lounge access across 140 countries, annual travel credits, comprehensive travel insurance, and statement credit offers with Dell, Enterprise, and Superscript. If you run a Limited Company or LLP and put meaningful spend through your business, this card converts everyday expenses into premium travel and rewards.

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Steps to Claim American Express Platinum Deal

Claiming the deal takes a few minutes. Follow these steps to lock in the elevated welcome bonus:

Step 1: Click the exclusive referral link: Use our referral link to open the official American Express application with the 90,000 point offer pre-applied.

Step 3: Complete your application: Fill in your personal and business details, confirming your LTD or LLP registration and your role as a director or member.

Step 4: Meet the spend requirement: Put £6,000 of eligible purchases on the Card within your first three months of Cardmembership.

Step 5: Receive your bonus points: American Express credits the 90,000 Membership Rewards points to your account once you meet the spend threshold.

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American Express Platinum Pricing Plans and Discount

The Business Platinum carries a single flat annual fee rather than tiered plans. You pay for the Card once a year and every benefit unlocks immediately, with no premium tiers hiding features behind extra costs.

Pricing Element	Detail
Annual Fee	£650 per year
Purchase Rate	29.1% p.a. (variable), only if you use the Flexible Payment Option
Interest-Free Period	Up to 54 days when you pay your balance in full
Supplementary Cards	1 complimentary Business Platinum + up to 19 Business Gold Cards
Welcome Bonus via StartGround	90,000 Membership Rewards points

The fee looks steep in isolation, and it deserves a closer look. Run the numbers on the built-in credits and the picture changes quickly. The £200 annual travel credit, up to £150 in Dell statement credits, up to £240 back on Alamo and Enterprise bookings, and the complimentary Times digital subscription offset a large share of the fee before you count a single lounge visit or insurance claim.

Your welcome bonus adds substantial value on top in year one. Redeem 50,000 points and you get options like a £225 statement credit, £225 towards flights booked through Amex Travel, £225 in Amazon purchases, or £250 in gift cards from selected retailers, and the full 90,000 point bonus scales those figures further.

Redemption Option (per 50,000 points)	Value
Statement credit	£225
Flights via Amex Travel	£225
Amazon.co.uk purchases	£225
Gift cards from selected retailers	£250
Airline transfer partners	Often higher, depending on the flight

Transfers to airline and hotel partners typically deliver the highest value per point, especially on premium cabin redemptions.

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American Express Platinum Overview and Features

The American Express Business Platinum Card is a premium charge card built for directors and members of UK Limited Companies and LLPs. It pairs a rewards engine with a travel benefits package that no other UK business card matches, and it gives your company flexible spending power that adjusts to how your business actually operates.

Unlike a traditional credit card, the Business Platinum expects you to clear your balance monthly in most cases. The Flexible Payment Option adds a line of credit you can dip into when cashflow fluctuates, which gives you breathing room during heavy spending periods without a separate application.

Here is what you get across the Card’s core feature set.

Membership Rewards earning

You earn 1 Membership Rewards point for every £1 you spend on purchases, and 2 points per £1 on bookings through American Express Travel. Every software subscription, ad campaign, supplier invoice, and flight feeds your points balance.

Points never lose relevance because Amex gives you multiple redemption paths: statement credits, Amazon purchases, gift cards, PayPal checkout, and transfers to airline and hotel loyalty programmes. Frequent flyers usually extract the most value by moving points to British Airways Avios or other transfer partners.

Global Lounge Collection

Lounge access is the headline travel perk. Your Card unlocks complimentary entry to more than 1,550 airport lounges across 140 countries through the Global Lounge Collection, including Centurion Lounges and Priority Pass locations. That is a wider lounge network than any other card provider on the market.

For anyone flying several times a year, this benefit alone transforms the travel experience. You skip the crowded terminal, work from a quiet space, and eat properly before boarding.

£200 annual travel credit

Each Cardmembership year, you receive a £200 credit to spend on bookings made through American Express Travel Online. Book a hotel or flight you were going to buy anyway and the credit works like cash.

Heavy spenders unlock more. Spend £60,000 in your Cardmembership year and Amex awards an additional £200 Travel Credit for prepaid online bookings, and you can trigger this twice per year for up to £400 in extra credits on top of the standard £200.

Statement credit offers

The Business Platinum stacks recurring statement credits from named partners. Enrol your Card with Dell Technologies and you collect up to £75 in credits between January and June, then another £75 between July and December, totalling £150 annually on UK Dell purchases.

Car hire gets its own perk. Save the offer to your Card, spend £60 or more on a prepaid online booking with Alamo or Enterprise, and receive a £20 statement credit, valid once per calendar month for up to £240 per year.

Business insurance rounds it out. A saved offer gives you a 15% statement credit on any GBP online purchase of business insurance at Superscript, once per calendar year.

Comprehensive travel insurance

Your Cardmembership includes worldwide travel insurance covering you, your immediate family, and employees who hold Supplementary Cards. Enrolment is required, and once active it removes the need for separate annual travel policies across your team. For a business that sends people abroad regularly, the saving compounds every trip.

Flexible Payment Option

Cashflow rarely moves in straight lines. The Flexible Payment Option gives you a pre-approved line of credit the moment your Card arrives, letting you pay part of your balance over time when a big month lands. The 29.1% p.a. variable purchase rate applies only to balances you carry, so disciplined full payers never touch it.

You also get up to 54 days interest free when you spend on the first day of a new statement period and repay in full by the due date. Compare that to paying suppliers by cash or invoice, where money leaves your account immediately, and the working capital benefit becomes obvious for inventory and supply chain spend.

Dynamic spending power

The Card carries no pre-set spending limit in the traditional sense. Your limit is dynamic and adjusts to your business needs, your payment history, and your account behaviour. You can spend, repay, and spend again multiple times within a single billing cycle, earning points on every cycle, which suits businesses with lumpy procurement or big campaign months.

Employee cards and extras

Your account includes one complimentary Supplementary Business Platinum Card plus up to 19 Business Gold Supplementary Cards for your team. Every employee purchase earns points into your central Membership Rewards balance.

A complimentary annual digital subscription to The Times and The Sunday Times comes bundled in as well, keeping you on top of the news that moves your market.

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All American Express Platinum Deals and Promotions

StartGround currently lists one headline referral deal for the Business Platinum, alongside the recurring benefits every new Cardmember unlocks. Pick the route below that matches how you plan to use the Card.

Offer 1: 90,000 Membership Rewards points welcome bonus

This is the StartGround exclusive. Apply through the referral link on the deal page, get approved, and spend £6,000 on purchases within your first three months to receive 90,000 Membership Rewards points. The offer applies automatically via the link, and it represents a significant uplift over the standard public welcome bonus. This deal suits any eligible LTD or LLP director planning at least £2,000 of monthly business spend.

Offer 2: Up to £400 in high-spend travel credits

Beyond the welcome bonus, every Cardmember can earn a £200 Travel Credit by spending £60,000 in a Cardmembership year, repeatable twice annually for up to £400. These credits apply to prepaid online bookings through American Express Travel and reset every Cardmembership year, rewarding businesses that route serious spend through the Card.

Offer 3: Ongoing partner statement credits

New Cardmembers can immediately enrol in the recurring partner offers: up to £150 per year at Dell Technologies, up to £240 per year on Alamo and Enterprise car hire, and a 15% annual credit on Superscript business insurance. Stack all three and the credits alone recover a large portion of the annual fee.

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American Express Platinum Deal FAQs

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American Express Platinum Reviews

American Express holds one of the strongest reputations in premium cards, and the UK Business Platinum consistently ranks at the top of business charge card comparisons. Cardmembers renew year after year, which tells you the benefits keep justifying the fee for the right profile of spender.

Where the Card excels

Lounge access dominates the praise. Members repeatedly point to the Global Lounge Collection as the benefit that changes how business travel feels, particularly on long itineraries with connections. The 1,550+ lounge network beats every competing card, and access extends across the Centurion and Priority Pass ecosystems.

Membership Rewards flexibility earns strong marks too. Transferring points to airline partners for premium cabin flights routinely delivers outsized value, and the fallback options like statement credits and Amazon redemptions mean points never go to waste.

What users appreciate day to day

The service layer stands out. Amex customer support resolves issues quickly, disputes get handled properly, and the app makes tracking spend, offers, and points effortless. Businesses with employees value the supplementary card structure, since one complimentary Platinum and up to 19 Gold cards centralise team spend into a single rewards pool.

Cashflow features win quiet loyalty. Up to 54 days interest free changes how businesses time supplier payments, and the dynamic spending limit removes the ceiling problems that frustrate cardholders elsewhere.

Common points of feedback

The £650 fee draws the most scrutiny, and fairly so. Cardmembers who travel rarely or spend lightly struggle to extract full value, and the credits require some active management: you enrol for Dell, save the Alamo and Enterprise offer, and book travel through Amex channels to collect everything.

Acceptance comes up as well. Amex coverage in the UK has improved substantially, but a minority of small suppliers still decline it, so most members keep a Visa or Mastercard as backup.

Overall sentiment

The verdict is consistent: exceptional for frequent travellers and higher-spending businesses, harder to justify for occasional users. If you fly regularly and route real spend through the Card, the benefits stack well past the fee, and the 90,000 point welcome bonus makes year one comfortably profitable.

Name: American Express Business Platinum Card

Description: The American Express Business Platinum is a premium UK business charge card that earns Membership Rewards points on every purchase and provides airport lounge access, travel credits, and worldwide travel insurance for company directors.

Price: 650

Price Currency: GBP

Application Category: FinanceApplication

Editor’s Rating: 5 ★★★★★

Pros:

• Industry-leading airport lounge access.
• Flexible Membership Rewards redemptions.
• Generous travel and partner credits.

Cons:

• High £650 annual fee.
• Requires LTD or LLP structure.
• Amex acceptance gaps remain.

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American Express Platinum Alternatives

The Business Platinum leads the premium category, but a different card may fit your spending pattern or fee tolerance better. Here are the strongest alternatives for UK businesses.

Tide Expense Cards

Tide bundles expense cards into its business banking platform, giving teams spending cards tied directly to the business account with built-in categorisation and accounting sync. Unlike the Platinum, Tide cards draw on your own balance rather than a credit line and earn no rewards, but they excel at expense control for teams. StartGround members can also claim a separate Tide partner deal on the deals page.

American Express Business Gold

The Business Gold is the natural step-down inside the Amex family. You keep Membership Rewards earning and the Amex service experience at a much lower fee, with the first year often free. You give up lounge access, the travel credits, and the premium insurance package. Unlike the Platinum, the Gold suits businesses that want points without paying for travel perks they will not use.

Capital on Tap Business Credit Card

Capital on Tap targets small businesses that want straightforward cashback and credit access. You earn 1% cashback on card spend with no annual fee on the standard card, and approval criteria welcome younger businesses. Unlike the Platinum, it offers no lounge access or travel benefits, and it operates as a true credit card rather than a charge card, so it suits businesses prioritising simple rewards and revolving credit.

Barclaycard Select Cashback

Barclaycard’s business cashback card runs on the Visa network, which solves the acceptance question entirely. You collect uncapped cashback on eligible spend with no annual fee. Unlike the Platinum, there are no points, no transfers, and no premium travel benefits, making it a fit for cost-conscious businesses that value universal acceptance over rewards depth.

Feature	Amex Business Platinum	Amex Business Gold	Capital on Tap	Barclaycard Select	Tide
Annual fee	£650	Lower, often free year one	£0 (standard)	£0	£0 base plans
Rewards	Membership Rewards points	Membership Rewards points	1% cashback	Cashback	None
Welcome bonus via StartGround	90,000 points	Varies	Varies	None	Partner deal available
Lounge access	1,550+ lounges	No	No	No	No
Travel credits	£200/year + up to £400	No	No	No	No
Travel insurance	Comprehensive worldwide	No	No	No	No
Network acceptance	Amex	Amex	Visa	Visa	Mastercard

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Claim Your American Express Platinum Deal

A 90,000 point welcome bonus on a card that already pays you back through credits, lounges, and insurance is a rare alignment of timing and value. The referral link does the heavy lifting, and your first three months of normal business spend do the rest.

If you travel for business several times a year, the lounge network and travel credits alone reshape your annual travel costs, and the bonus points fund your next premium flight.

If your company spends £2,000+ per month, you clear the qualifying threshold on autopilot and bank the full bonus without changing a single habit.

If you are scaling a team, the supplementary card structure pools every employee purchase into one rewards balance while keeping spend visible.

Apply through the StartGround exclusive referral link today and start your Cardmembership with 90,000 points already on the way.

This offer is verified by StartGround in partnership with American Express. T&Cs apply. Credit is subject to status. The Business Platinum Card is a payment product with an annual fee of £650; a 29.1% p.a. (variable) purchase rate applies if you use the Flexible Payment Option.