If you hold an American Express card and you’re working towards your sign-up bonus, refunds are one of those sneaky things that can trip you up. Whether you’re eyeing up a juicy sign-up bonus, pushing towards a British Airways Companion Voucher, or chasing an annual spend perk, it’s well worth understanding how American Express treats refunds behind the scenes. Because alas, when it comes to rewards credit cards, refunds are never just “nice to have your money back”. Net spen