Amex Business Gold referral: 22,000 points and the costs to check

Open the referral link using the button above. Check that the card and welcome offer match what you expect, and read the conditions on that application page. Keep a copy of the offer and the date your qualifying period begins.

The £3,000 target in the supplied invitation runs over the first three months of Cardmembership. Keep a record of eligible purchases and refunds. A submitted application is not approval, and opening the account is not enough to earn the welcome points.

The UK product page lists no annual fee for the first year, then £195 per year. If you use Flexible Payment Option, the displayed purchase rate is 29.1% p.a. variable. This is the purchase rate, not a quoted representative APR.

Paying the entire balance by the statement due date avoids purchase interest under the stated repayment rules. Paying over time incurs interest. The product uses company liability supported by a business personal guarantee, so read those obligations carefully.

Further reading: Amex: UK Business Gold product details ; Amex: paying your Business Card balance ; Amex: Business Gold and Flexible Payment Option

The supplied invitation is for UK LTD and LLP businesses, with an adult director/member as signatory, subject to status. The product page also lists a UK bank or building society account, a permanent UK home address and at least £20,000 annual personal income.

The welcome offer excludes applicants who currently hold, or held within the previous 24 months, an Amex Business Card earning Membership Rewards points. Check the exact product conditions; a personal-card offer or an older Business Charge Card is not interchangeable with this invitation.

Further reading: Amex: UK Business Gold product details

Points are not cash and their value depends on how you redeem them. Make your decision using a realistic redemption you would actually use, rather than the largest theoretical value.

For your own comparison, write down the annual fee, any expected interest, ordinary eligible spending and the value of the benefits you expect to use. If the card is not useful without the welcome offer, consider whether another account would be simpler.

The supplied invitation awards Tristan 9,000 Membership Rewards points per approved referral, up to 90,000 points per calendar year. This is separate from the new Cardmember’s welcome offer. No points have been counted here as earned or converted into cash.