Amex Business Gold referral link: 22,000 bonus points
My Amex Business Gold referral invitation offers 22,000 Membership Rewards points when you are approved and spend £3,000 in the first three months of Cardmembership. It is for eligible UK LTD and LLP businesses. There is no annual fee in year one, then £195 a year; terms and status apply.
- Your benefit
- 22,000 Membership Rewards points after approval and £3,000 spending in the first three months of Cardmembership.
No annual fee in year one; £195 annually afterwards. Purchase rate 29.1% p.a. variable when using Flexible Payment Option. Company liability with a business personal guarantee. Confirm the invitation and full eligibility before applying.
Eligibility, conditions and what I receive
To qualify: UK LTD or LLP businesses; signatory must be 18+ and a director/member. Subject to status. The welcome offer excludes current or previous holders of an Amex Business Membership Rewards card within the past 24 months.
My reward: I receive 9,000 Membership Rewards points per approved referral, up to 90,000 points per calendar year under my invitation.
Check the provider’s current terms before applying.
My business-owner view of Amex Business Gold
I run Draper Digital and use Amex Business. I look at a business card as a way to manage business spending, with any rewards alongside that. The welcome points are useful only if the spending and ongoing costs work for the business.
My invitation is for Business Gold with Flexible Payment Option. Use the link to check the exact card and offer, because a personal Gold card or a different business offer has different terms.
How do I use the Amex Business Gold referral link?
My invitation uses a link, so there is no separate promo code to enter for this offer. I would work through these steps before counting on the bonus.
- Open my referral link and confirm that Amex displays the Business Gold Card and the welcome offer you expect. Read its terms before starting your application.
- Check your business type, applicant requirements and previous Business Membership Rewards cards. Apply through the invitation page if the card suits your business; approval is still required.
- If approved, record that date: it starts the three-month Cardmembership period. Keep the offer terms with your records.
- Charge at least £3,000 of qualifying goods and services to the account during that period. I would plan this around purchases my business already needs, with money available for repayment.
- Check your statements, required payments and Membership Rewards balance. The invitation allows up to four weeks after the required spend for the bonus to be added, potentially in more than one instalment.
The referral offer cannot be added after you have already applied without the invitation. If the application page shows a different offer, use the conditions displayed there rather than assuming this page overrides them.
Account for the fee and repayment costs
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.
Check both card and welcome-offer eligibility
My 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.
Keep points separate from the spending budget
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.
Amex Business Gold referral FAQs
What is the Amex Business Gold referral bonus?
My invitation currently offers 22,000 Membership Rewards points for eligible applicants who are approved and spend £3,000 in the first three months of Cardmembership. Opening the account alone does not earn the bonus. The points are a reward under the offer terms, not a cash payment.
Is there an Amex Business Gold promo code to enter?
There is no extra code for my invitation. Use my referral link to reach the Amex application journey, then check the displayed offer before applying. Other Amex promotions can have different conditions; this guide covers the invitation linked here.
Is this the personal Gold card or Business Gold?
This is the UK Business Gold Card with Flexible Payment Option. Personal Preferred Rewards Gold and Corporate Cards are different products. I would check the full card name before comparing bonuses, fees or benefits.
Can a sole trader apply through this Business Gold invitation?
This invitation is for UK limited companies and limited liability partnerships, with a director or member applying. It is not a sole-trader offer. A business name on its own does not make a sole trader a limited company.
What are the basic application requirements?
Amex lists an applicant aged 18 or over who is a director or member of an eligible UK LTD or LLP, has a permanent UK home address, a UK bank or building society account and personal annual income of at least £20,000. Meeting these initial requirements does not guarantee approval or welcome-bonus eligibility.
Can I get the Business Gold welcome bonus if I have a personal Amex?
Holding a personal Amex does not by itself affect eligibility for a Business Card welcome bonus, according to Amex’s referral terms. You still need to meet this Business Gold offer’s conditions, including the separate rule about previous Business Membership Rewards cards. I would check both before applying.
What if I have held an Amex Business Card before?
The welcome offer excludes anyone who currently holds, or has held in the previous 24 months, an Amex Business Card that earns Membership Rewards points. That is a welcome-offer restriction; it is separate from whether Amex will approve a card application.
When does the three-month spending period start?
It starts when your application is approved, according to my invitation’s terms. At least £3,000 in qualifying goods and services must be charged to the account within that period. I would record the approval date and the offer conditions rather than start the clock when the physical card arrives.
What happens if I do not reach the £3,000 target?
You will not meet this welcome bonus’s spending condition. I would not buy things the business does not need just to reach it. Your normal statement payments and any applicable card costs still need to be covered.
When will the 22,000 points appear?
The invitation says to allow up to four weeks after the required spending. It also says the bonus can arrive in at least two instalments: 2,000 points and 20,000 points. A first instalment is therefore not necessarily the whole award. If the stated time has passed, ask Amex to check your offer and qualifying spend.
Can I add my referral link after I have already applied?
No. The terms for this invitation exclude applications already made without the referral offer. Start from my link before applying if you want this offer, and keep the terms shown in that journey.
What does Business Gold cost after the first year?
The annual fee is waived in year one and is £195 from the first anniversary. I would put that renewal cost in my business budget before applying. Paying interest can add to the cost, so the welcome points should not be the only reason for choosing the card.
Do I have to repay Business Gold in full each month?
The current product has a Flexible Payment Option, subject to its terms and limit. Repaying the full statement balance by the due date avoids purchase interest under the stated rules; paying over time incurs interest. Amex displays a 29.1% p.a. variable purchase rate. Follow the required payment on your statement, including amounts due in full. Company liability is supported by a business personal guarantee.
What do I receive if you use my Amex referral?
I may receive 9,000 Membership Rewards points for an approved referral, subject to the programme’s conditions and a 90,000-point annual cap. That is separate from your 22,000-point welcome offer and its spending requirement.
What I receive when you use my Amex link
My invitation awards me 9,000 Membership Rewards points for each approved referral, up to 90,000 points in a calendar year. Your 22,000-point welcome offer is separate and requires the qualifying spending.
These are points, not a cash payment. I keep the fee, repayment costs and spending requirement alongside the offer so you can decide whether it fits your business.
22,000 Membership Rewards points after approval and £3,000 spending in the first three months of Cardmembership.
- Your benefit
- 22,000 Membership Rewards points after approval and £3,000 spending in the first three months of Cardmembership.
No annual fee in year one; £195 annually afterwards. Purchase rate 29.1% p.a. variable when using Flexible Payment Option. Company liability with a business personal guarantee. Confirm the invitation and full eligibility before applying.
Eligibility, conditions and what I receive
To qualify: UK LTD or LLP businesses; signatory must be 18+ and a director/member. Subject to status. The welcome offer excludes current or previous holders of an Amex Business Membership Rewards card within the past 24 months.
My reward: I receive 9,000 Membership Rewards points per approved referral, up to 90,000 points per calendar year under my invitation.
Check the provider’s current terms before applying.
Sources & checks
- Amex: UK Business Gold product details ↗Checked 1 October 2026
- Amex: paying your Business Card balance ↗Checked 1 October 2026
- Amex: Business Gold and Flexible Payment Option ↗Checked 1 October 2026
- Amex: referral programme and welcome-offer eligibility ↗Checked 1 October 2026
Written with AI assistance and editorial review. How I write these guides.
