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In the U.S. offers reviewed for October 2026, Amex’s highest listed personal welcome offer is as high as 175,000 Membership Rewards points on The Platinum Card® after $12,000 in purchases in six months. The largest reported offer overall is on the Business Platinum: as high as 300,000 points after $20,000 in purchases in three months, according to The Points Guy. Those are point bonuses, not guaranteed cash values, and Amex says offers vary and applicants may not qualify for the offer shown.
Amex welcome offers compared
The table separates personal cards from business cards and distinguishes issuer-published offers from third-party reporting. “As high as” describes a published maximum, not an offer every applicant will receive.
| Card | Offer and qualifying spend | Annual fee | Source and qualification |
|---|---|---|---|
| The Platinum Card® from American Express (personal) | As high as 175,000 Membership Rewards points after $12,000 in purchases within the first six months of Card Membership | $895 | American Express U.S. comparison page, retrieved October 7, 2026; offers vary and applicants may not be eligible. American Express personal cards |
| American Express® Gold Card (personal) | As high as 100,000 Membership Rewards points after $8,000 in purchases within the first six months | $325 | American Express U.S. comparison page, retrieved October 7, 2026; offers vary and applicants may not be eligible. American Express personal cards |
| American Express® Business Gold Card | As high as 200,000 Membership Rewards points after $15,000 in purchases within the first three months | Not stated on the cited offer page | American Express business offers page, retrieved October 7, 2026; offers vary and applicants may not be eligible. American Express business cards |
| The Business Platinum Card® from American Express | As high as 300,000 points after $20,000 in purchases in the first three months | Not stated in the cited roundup | The Points Guy, October 2026 roundup; third-party reported offer. The Points Guy’s October 2026 Amex offers roundup |
Offer pages can change. The personal comparison result was crawled about two months before the October 7, 2026 research timestamp, so confirm the live offer, terms, annual fee and any expiration date in the application flow before applying.
Which bonuses may be worth $1,750 or more?
There is no issuer-guaranteed dollar value for these Membership Rewards points. The Points Guy’s October 2026 roundup estimates the 300,000-point Business Platinum offer at up to $6,000 and the 200,000-point Business Gold offer at up to $4,000, using its own valuation methodology. These are third-party estimates, not cash bonuses or guaranteed redemption values.
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#1 Best Overall
Visa Physical Gift Card $200 (plus $6.95 Purchase Fee)
- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
The cited personal offers are stated by Amex in points, not dollars. Whether any of the bonuses is worth $1,750 to you depends on how you can redeem the points and the value you personally get from those redemptions. A large points total alone does not establish a fixed cash equivalent.
Quick Recap
Bestseller No. 1
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Bestseller No. 3
Bestseller No. 4
Bestseller No. 5
Best Value
Visa Virtual eGift Card
- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Rank #4
Visa Physical Gift Card $50 (plus $4.95 Purchase Fee)
- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
Rank #3
MasterCard Physical Gift Card – $200 (plus $6.95 Purchase Fee)
- Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- Double check if the URL/website is genuine before entering card details online. Do not provide any gift card details (example: claim code) to someone you do not know or trust. There are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- If you believe that your Card has been lost or stolen, notify Mastercard immediately by calling 1-833-791-7288. You will be asked to provide the Gift Card number and other identifying information.
- Use your Mastercard Gift Card in the U.S. everywhere Mastercard debit cards are accepted, including online. Your Amazon.com Balance cannot be used to purchase Mastercard gift cards.
Rank #2
Visa Physical Gift Card $100 (plus $5.95 Purchase Fee)
- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
How to choose between the offers
- Start with the spending requirement and deadline. The examples run from $8,000 in six months on Gold to $20,000 in three months on Business Platinum. Apply only if you can meet the requirement through planned, eligible purchases without overspending or taking on debt.
- Compare the personal-card fees with your expected use. Amex lists annual fees of $895 for the personal Platinum and $325 for the personal Gold in the cited comparison. The bonus does not erase a fee, and the fee recurs according to the card’s terms.
- Keep business offers in the business category. Business Gold and Business Platinum have different offer sources and shorter spending windows in these examples. Consider them only if a business card fits your circumstances and you can satisfy its terms.
- Use the offer actually presented to you. Amex says, “Welcome offers vary and you may not be eligible for an offer.” The public maximum is not a promise of the points, terms or approval you will receive.
- Judge points by your likely redemption. Third-party dollar estimates are one framework, not a universal ranking; compare them with the ways you expect to use Membership Rewards.
Before applying
- Open the relevant Amex personal-card page or Amex business-card page and review the live offer shown for the card.
- Read the offer terms for the qualifying purchase amount, spending period, exclusions, expiration details and any account-specific eligibility language.
- Confirm the current annual fee and other card terms on the issuer’s page; do not rely on an older comparison result if the live application shows different details.
- Estimate whether your normal planned spending can clear the threshold within the stated window, then assess point value using your own redemption plans rather than treating a third-party estimate as cash.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
