Bira partnered with American Express to give you a solution that will turn business purchases into rewards and keep your cash flow flowing.

Membership Rewards®

You can earn Membership Rewards® points every time you use your Card. Use your points to treat yourself, your employees or your clients, or to reinvest in your business

From everyday expenses to subscriptions and more, you can redeem your Membership Rewards points towards eligible Card purchases in so many ways.

As a new customer, once you’re approved, American Express will give you 20,000 bonus points when you spend £3,000 in the first three months.

Cashflow Management

With up to 54 days payment period on purchases and no pre-set spending limit, money management is more flexible. Just pay off your balance in full every month.

How Members benefit

  • The annual fee for the American Express Gold Card is typically £195, but we're giving you the Gold Card for free in the first year!
  • Earn 1 Membership Rewards point for every full £1 you spend.
  • If a new customer1, once you’re approved, we’ll give you 20,000 bonus points when you spend £3,000 in the first three months.
  • Plus, each quarter, you can spend £20,000 and receive an extra 10,000 bonus points.

Apply for the American Express Card here:

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Please note that Bira will be financially remunerated for successful referrals.

The Basic Card

If you’d prefer a Card with no annual fee, rewards or other features, an alternative option is available – the Basic Card.

Membership Rewards

Business Gold Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last six months are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.

*From time to time American Express may run a limited-time offer which will supersede the Membership Rewards bonus as stipulated herein. Should you apply for the Business Gold Card, the applicable promotional information will be presented to you at the point of application.

Full Terms and Conditions for the Membership Rewards programme apply. Visit for more information.

Business Gold Quarterly Bonus

With your American Express® Business Gold Card, you get at least one Membership Rewards® point for each full pound you spend on your Card for eligible purchases. Now in addition with the bonus in any Quarter (Quarter 1: 1 Jan to 31 March inclusive, Quarter 2: 1 April to 30 June inclusive, Quarter 3: 1 July to 30 September inclusive, Quarter 4: 1 October – 31 December inclusive), you will receive 10,000 Membership Rewards bonus points once you have spent a cumulative £20,000 in that Quarter. The Bonus Points will be transferred to your Membership Rewards account, and can be viewed on your Card Account statement.

You will continue to earn one Membership Rewards point on eligible purchases in excess of £20,000 in each Quarter for each pound you spend on your Card for the rest of that Quarter. Qualifying spend in each Quarter cannot be carried over to the following Quarter.

General Terms – Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges. Full Terms and Conditions for the Membership Rewards programme continue to apply. Visit for more information.

54 Days to Pay

The maximum amount of time for a payment period on purchases is up to 54 days and is obtained only if you spend on first day of new statement period and repay the balance in full on the due date.

Amex Offers for Business

Eligible Cardmembers can redeem an Amex Offer by first enrolling in the Offer in their Online Account or in the American Express® App and then using their enrolled Card to pay. Only U.K. issued American Express Business Cards may be eligible. We may consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your eligibility to access Amex Offers. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers programme, or any other Amex programme. Available Offers may vary for each eligible Cardmember. Please review the terms of each Offer for details on how to redeem.

The values quoted are based on the minimum available to Cardmembers by redeeming all of the Offers available to them during a 12 month period.

No Pre-set Spending Limit

Your spending limit is based on a variety of factors including Account history, credit record and personal resources, security may be required. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement.

Employee Spend controls

For full Terms and Conditions please click here


About American Express

American Express Company (Amex) is an American bank holding company and multinational financial services corporation that specializes in payment cards.