Welcome to September’s Points Parade New month, new bonuses, new reasons to let your wallet earn its keep. Seeptember’s best UK credit card offers are in, and some of them are seriously upgraded. Whether you’re hunting Avios, hotel points, cashback, or just the smug joy of lounge access, we’ve got the best deals on the runway.
We’re tracking every boosted bonus, limited-time offer, and card that’s actually worth applying for right now. If you’re not getting rewarded when you spend, you’re doing it wrong.
In This Post
American Express Preferred Rewards Gold Card
- Sign‑up Bonus: 40,000 Membership Rewards points – up from 20,000, valid until 14 October 2025
- Spend Requirement: £5,000 in the first six months
- Annual Fee: Free for Year 1, then £195/year
- Perks:
- 4 Priority Pass lounge passes annually
- 2,500 bonus points for every £5,000 spent (up to 12,500 points)
- Double points on airlines and overseas spending
- £120 in Deliveroo credits per year (£5 for the first two orders each month)
- Worth it?: A travel-savvy’s dream: elevated entry bonus, flexible points (1:1 to Avios/hotels), and niche perks, especially if you can offset the Fee in year two.
- Apply here: Snag the 40k while you can and fly further for the same spend.
American Express Business Gold Charge Card
- Sign‑up Bonus: 60,000 Membership Rewards points – up from the usual 20,000, when you spend £6,000 in your first 3 months. Offer ends 14 October 2025.
- Spend Requirement: £6,000 in the first 3 months
- Annual Fee: Free for Year 1, then £195/year (tax-deductible for businesses)
- Perks:
- Earn bonus points every quarter when you hit high spend thresholds.
- Up to £100 Dell Technologies credit per year via Amex Offers (split into two £50 statements each half-year)
- Up to 20 supplementary cards for your team at no extra cost, all funnel points into your personal Membership Rewards account.
- Consolidated spending reports and statement views are ideal for small business bookkeeping.
- Worth it?: A no-brainer if you run a business (or are handy with your own freelance spend). The massive 60k boost, tax-deductible Fee, and sweet extras like Dell credit practically pay you to carry this card.
- Apply here: Rack up 60k behind the scenes, then hit ‘apply’ and thank me later.
American Express Platinum Card
- Sign‑up Bonus: 80,000 Membership Rewards points – up from 50,000, valid for applications made before 14 October 2025
- Spend Requirement: £10,000 within the first six months
- Annual Fee: £650/year (pro-rata refunds available if you cancel mid-year)
- Perks:
- Priority Pass lounge access for you and a guest (plus pre-booking credits)
- Elite hotel status: Gold in Hilton Honors, Marriott Bonvoy, MeliaRewards; Premium in Radisson Rewards
- £400 annual dining credit (£200 UK + £200 abroad, split into £100 halves)
- Comprehensive travel insurance for you, your family, and supplementary cardholders
- Worth it? If you can spend £10k in six months and plan travel or grand dinners, this offer is one of the most rewarding out there. The combination of lounge access, hotel status, dining credits, and an 80k bonus can easily offset that £650 fee in year one.
- Apply here: Grab the 80k bonus and treat yourself to tangible luxury.
American Express Platinum Cashback Everyday Credit Card
- Sign‑up Bonus: 5% cashback (up to £125) in the first 5 months (no “up from,” but still one of the strongest short‑term offers around)
- Spend Requirement: None, simply shop and stack cashback (capped at £125 total during the introductory five months)
- Annual Fee: £0
- Perks:
- Ongoing cashback up to 1.25% depending on annual spend thresholds
- No credit checks needed for supplementary cards—handy if you’re building points across the family
- Flexible “Plan It™” instalment tool – break larger charges into fixed‑fee instalments over 3, 6, or 12 months
- Worth it? Absolutely, this is a rare cashback card that delivers upfront savings without a Fee, plus ongoing value if you spend big. Just be disciplined about paying it off each month.
- As one reader put it:
- “I use ours for everything… get about £600 cashback a year…”
- Just don’t carry a balance, or those gains vanish.
- Apply here: Stack 5% cashback while it lasts, and it’s totally fee-free
American Express Business Platinum Charge Card
- Sign‑up Bonus: 120,000 Membership Rewards points – up from 50,000, when you spend £12,000 in the first 3 months. Offer runs until 14 October 2025
- Spend Requirement: £12,000 in 3 months
- Annual Fee: £650/year, tax-deductible and pro‑rata refundable
- Perks:
- Cornerstone for business flyers: unlimited lounge access and elite hotel statuses
- Up to £200 Amex Travel credit per year, plus £150 Dell credit split across the year
- Comprehensive business travel and purchase insurance
- Tax-deductibility makes the steep Fee more palatable for business use.
- Worth it? Absolutely, if your business spend can hit the £12k mark, that 120k point haul alone is enough to outweigh the cost, and that’s before counting the generous credits and benefits.
- Apply here: Collect 120k points and turn your business expenses into travel nirvana.
Virgin Atlantic Reward+ Credit Card
- Sign‑up Bonus: 36,000 Virgin Points – up from 18,000, when you apply before 13 October 2025 and spend £3,000 in the first 90 days. No minimum spend required for the first 18,000.
- Spend Requirement: Make any purchase for the first 18k, and hit £3,000 in 90 days for the extra 18k
- Annual Fee: £160
- Perks:
- 1.5 Virgin Points per £1 on everyday spend
- 3 Virgin Points per £1 with Virgin Atlantic and Virgin Holidays
- Spend £10,000 per year to unlock a Flying Club Reward Voucher for upgrades or companion flights.
- Worth it?: For loyal Virgin flyers or anyone eyeing a cheeky Upper Class upgrade, this is one of the best-value points cards in the UK right now, especially with the double bonus promo live.
- Apply here: Get the full 36,000 boost while it lasts — it’s Virgin’s best offer in ages.Review: Virgin Atlantic Reward+ Credit Card (2025 UK Edition)
That’s a Wrap for September’s Wallet Watch
You’ve seen the bonuses. You’ve read the small print. Now, go grab the cards while the Best UK credit card offers are hot because next month, they might vanish faster than an upgrade on BA. We’ll be back in October with another full sweep of the best UK credit card offers.
Until then, apply smart, earn sharp, and don’t forget to follow us on X and Instagram for bonus alerts, hot takes, and point-fuelled chaos.
