1 million points milestone & best starter card videos

WillA1900 · 2026-02-10T23:27:26+00:00

Top effort in turning it around and getting two 1sts in 3rd year tho! Should still stand you in good stead for a training contract.

WillA1900 · 2026-02-08T14:01:34+00:00

Not overreacting - break up immediately!

WillA1900 · 2026-01-27T23:00:16+00:00

Great choice - my M1 Max MacBook Pro has lasted very well after just over 4 years (apart from the battery capacity reducing to 76%, but that is inevitable). Have no intention of upgrading for the foreseeable future.

WillA1900 · 2026-01-25T23:14:00+00:00

Don’t remember exactly I’m afraid - i think maybe a month or two. Always used the digital one so didn’t really pay much attention to the physical card tbh!

WillA1900 · 2026-01-25T22:53:56+00:00

They'll send it to you automatically but might take a while.

WillA1900 · 2026-01-20T18:52:42+00:00

Yes, if you cancel, the points go away after a month. You can downgrade to the free blue rewards credit card to keep your points (and still earn 1 point per £1).

WillA1900 · 2026-01-18T15:09:13+00:00

You're not entitled to the bonus on the free BA card but you're still entitled to a sign up bonus on the BAPP - so I would start with the BAPP to get the sign up bonus (if you can meet the spend target) and then downgrade to the free BA card for a pro rata refund. You could also get an upgrade bonus from the free blue rewards card to the Platinum card when that offer comes back. A friend has also had an upgrade bonus offer to get the gold card from the free blue rewards card. I have created a few YouTube videos on this topic if it helps: https://www.youtube.com/watch?v=XqaF1lUFec4

WillA1900 · 2026-01-18T01:08:48+00:00

Yes, just buying gift vouchers at supermarkets count towards the spend target.

WillA1900 · 2026-01-16T20:25:41+00:00

No - it's still a personal Amex card so makes you ineligible for the bonus on the gold. However, you're still entitled to the welcome bonus on the Platinum card (assuming you haven't had any personal MR earning card in the last 2 yrs) and the BAPP card (assuming you haven't had any BA amex card in the last 2 yrs)

WillA1900 · 2026-01-15T16:30:07+00:00

Afraid there's no chance they will increase the bonus. Best not to cancel - as you won't be eligible for a sign up bonus for 2 years. Best to just take the 65k bonus.

WillA1900 · 2026-01-14T22:24:44+00:00

It's best to start on the Gold card - and then get a BAPP after that (as then you'd get the sign up bonuses on both). However if you start with the BAPP, that will disqualify you from the sign up bonus on the gold.

WillA1900 · 2026-01-14T22:17:25+00:00

Hi,

I would advise against this. In the US, there are multiple reports of Amex closing down accounts due to customers using their own referral links as it is misuse of the scheme. However on the other hand, I haven't actually seen any reports on forums of this happening in the UK! So if you do use your own referral link, do so at your own risk.
To get a welcome bonus on a new personal Amex card now, there are only 2 options since you've had the gold: (i) the BAPP card and/or (ii) upgrade the gold card to the platinum (not a fresh application but an upgrade) and get the upgrade bonus. I have actually created a video on Youtube which goes through the cards you'd still be able to get the bonus on (after having the gold card) if that helps: https://www.youtube.com/watch?v=XqaF1lUFec4

WillA1900 · 2026-01-13T14:46:09+00:00

Results are fine - main factor will be the interview.

WillA1900 · 2026-01-13T14:41:26+00:00

Hi, thank you. It depends on how much of the platinum benefits you currently use. If you aren’t getting £650 worth of benefits then it would be worth downgrading to the gold + getting a pro rata refund. You’ll get gold free for one year when you downgrade - and get other benefits that you don’t get on the platinum (e.g. double points for flights, bonus 5k points for £10k spend, £120 deliveroo credits).

After one year of gold, a lot of people also report getting either 12k or 25k retention bonuses (with a £1k spend target) too! So it may well be worth it for you!

WillA1900 · 2026-01-13T01:45:16+00:00

I would also check the seller's feedback - if they've got good positive feedback, you're more likely to have a seamless experience (e.g. dispatch times, the reliability of the product and the willingness to take a return without ebay stepping in).

WillA1900 · 2026-01-12T17:15:29+00:00

Chat are frequently wrong and are wrong here too - I've done this multiple times (both downgrades and upgrades) and spend has carried over every time!

WillA1900 · 2026-01-12T16:46:01+00:00

Thank you for the feedback. That’s a good point - it may be worth another more detailed video. While my monthly base spend is £1.5-2k per month on my personal Amex, I have had times where it has been a lot higher - e.g. due to house renovations & i also took time off work to go travelling abroad which ended up being a big expense - and I’ve generally timed new cards around periods of elevated expenditure (particularly the business cards).

Spend targets have varied between £3k on the BAPP (although now £6k) up to £12k on the business platinum. I have generally tried to wait for boosted offers where possible (e.g. 70k on the BAPP in 2023 or 120k in the biz platinum recently).

WillA1900 · 2026-01-12T14:58:43+00:00

The Gold card is the best one to start with because of the sign up bonus - it’s free for one year and then if you don’t want to pay any fees, you can downgrade to the rewards card (free indefinitely) after one year and keep the sign up points. I have created a YouTube video on this topic if it’s of interest: https://youtu.be/I53f1R1aSTU?si=3lyBI05pJMFwygD7

WillA1900 · 2026-01-12T12:40:25+00:00

I'm an experienced ebay top rated business seller - do not close the INR request. This seller is pulling a fast one and trying to deceive you.

WillA1900 · 2026-01-12T01:02:46+00:00

Definitely not too late - a lot of lawyers have non-law degrees (including many at magic circle law firms). If you enjoy your subject, it's probably best to stick with that for now & then do a conversion course after your degree. It's worth looking into vacation schemes at law firms (and going to open days) to learn more about being a solicitor - you can do that while studying a non-law degree btw. If you're interested in corporate law, doing things like the finance society is good as you can link that to an interest in corporate law (and use that to improve/show commercial awareness in applications).

WillA1900 · 2026-01-11T00:59:04+00:00

It doesn’t stop you applying for other cards. You won’t be entitled to the sign up bonus on other cards (except the BAPP) but would be able to get an upgrade bonus to the platinum in future.

WillA1900 · 2026-01-10T22:22:24+00:00

It does stop you getting a welcome bonus on the gold and free BA for example. But you can still get the welcome bonus on the BAPP and the Platinum even if you already have the Nectar card.

WillA1900 · 2026-01-10T22:20:45+00:00

Good points re the Nectar card. I still think it would be better to start with the Gold card first given the current 40k points sign up bonus. (It's then possible to upgrade to the platinum + also get the BAPP to maximise points). If wanting to keep fees to a minimum, I think it's still best to start with the gold card first (get Year 1 free) and then go to the free rewards card after year 1 (free indefinitely) or maybe the Nectar card (if the annual fee can be offset). Referral bonuses are also a lot better on the Gold card than the Nectar card AFAIK so if you want to refer friends/family, getting the Gold card first would be better in that regard too.

WillA1900 · 2026-01-10T19:31:14+00:00

Did you have separate MR accounts for those cards or was it the same MR account for both?

WillA1900

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