American Express UK's most generous welcome bonuses in years disappear at midnight on January 13th, 2026. The Platinum Card is currently offering 85,000 Membership Rewards points plus £250 in travel credit (dropping to just 50,000 points after tonight), while the Gold Card offers 45,000 points with zero first-year fee (falling to 20,000 points tomorrow). Jack breaks down exactly who qualifies for these bonuses, how the 24-month eligibility rules work, and whether the £650 Platinum annual fee actually delivers value when you factor in lounge access, dining credits, and hotel status. This is your final chance to secure these enhanced offers before they reset to standard levels.

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