Is the American Express (Gold / Platinum) Personal Charge Card bonus still available?
Yes. As of Jul 5, 2026 the American Express (Gold / Platinum) Personal Charge Card bonus is live and pays 80,000 to 175,000 Amex Membership Rewards points for spend $6,000 in 6 months on gold, or $8,000 in 6 months on platinum. amex 'once per lifetime' rule per card product applies..
Amex Membership Rewards transfer 1:1 to Delta SkyMiles, Air Canada Aeroplan, ANA, British Airways Avios, Virgin Atlantic, Air France/KLM Flying Blue, and 15+ more. Worth 1.5 to 2.0 cents each in travel.
The numbers, in full
| Payout | 80,000 to 175,000 Amex Membership Rewards points |
|---|---|
| What it takes | Spend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $4,174/hr |
| When it pays | Points post 8 to 12 weeks after the spend requirement is met |
| Offer ends | No published end date |
| Last checked | Jul 5, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $4,174/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| American Express (Gold / Platinum) (this offer) | $4,174/hr | 0.38h |
| Chase Sapphire Preferred | $3,261/hr | 0.38h |
| Marriott Bonvoy Business American Express | $2,348/hr | 0.38h |
| Chase Sapphire Reserve | $2,027/hr | 0.62h |
| Chase United Explorer | $1,957/hr | 0.38h |
| Delta SkyMiles Gold American Express | $1,826/hr | 0.38h |
Open it
This link is our personal referral. It costs you nothing and often pays you more than the public page.
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