HFP ‘Credit Cards’ page updated for January – what are the best deals this month?

It’s time for our monthly round up of what is coming and what is going in the world of UK airline and hotel credit card sign-up deals.

Our updated directory of all 23 UK travel credit cards can be found by clicking the ‘Credit Cards’ tab at the top of the site or – for email, Flipboard, Apple News or mobile readers – by clicking here.  This article is a summary of the recent changes, and will hopefully be a useful starting point for the surge of new readers we get every January.

What’s new?

December was a quieter month, following November’s overnight closure of the two TSB Avios credit cards with no warning story here.  The special offers on the Etihad and Lufthansa cards were extended by a few weeks but finally ended during the month.

The current higher bonuses on the British Airways cards continue until February.

I was told yesterday that the 2,500 Clubcard points (6,000 Avios) on the Tesco Premium credit card – which was due to end today – is actually being pulled at 7am so it will have gone by the time you read this.  I will take a look at the replacement package and report back!

You can also still get 1,000 Clubcard points (2,400 Avios or 2,500 Virgin miles) via this link for the FREE Tesco Clubcard credit card.  This offer is not available via the Tesco Bank website.  This card comes with 0% interest for 17 months on new purchases which could be useful if you have some major spending planned.

Credit cards

What are the best travel credit card sign-up deals this month?

If you are looking to apply for a new credit or charge card, here are my top recommendations based on the current sign-up bonus. The BA and Tesco offers are special deals whilst the Amex and Hilton cards are consistently strong offers.

These deals are listed in no particular order and their position on the list is not a sign of how good or bad the offer is.

Tesco Clubcard MasterCard

This card is free.  If you apply via this special link, you will receive 1,000 Clubcard points when you make your first purchase.  These convert into 2,400 Avios or 2,500 Virgin Flying Club miles.  You will also pay 0% interest on purchases for the first 17 months.

Whilst this isn’t saying much, the Tesco Clubcard MasterCard is the highest paying Visa / MasterCard on the market if you want to earn Avios unless you meet the stringent requirements for HSBC Premier or are willing to pay the £150 fee for Tesco Premium.  Representative APR 18.9% variable.  My review of the Tesco Clubcard credit card is here.  You can apply here.

Tesco Mastercard credit card

British Airways American Express

Until 8th February, the bonus on this free card increased from 3,000 Avios to 9,000 Avios.  My full review of the card is here.  You can apply here.  Representative APR 22.9% variable.

British Airways American Express Premium Plus

Until 8th February, the bonus is increased from 18,000 Avios to 25,000 Avios.  Note that the annual fee recently increased from £150 to £195.  I wrote a full review of the British Airways Premium Plus card here.  You can apply here.  Representative APR 76.0% variable including £195 fee based on a notional £1200 credit limit.

Amex Platinum

American Express Platinum

The sign-up bonus on this card is 30,000 American Express Membership Rewards points.  You need to spend £2,000 in 90 days to trigger the bonus.

Your points can be transferred into various airline and hotel programmes.  You could get 30,000 Avios, 30,000 Virgin miles, 60,000 Hilton points, 90,000 Carlson points, 2,000 Eurostar Frequent Traveller points etc etc.

You receive a pro-rata refund on the £450 fee when you cancel the card and you will retain most of the benefits – Starwood Gold, Carlson Gold, Hilton Gold, Melia Gold and Shangri-La Jade – for the rest of the year even after you cancel. The Amex Platinum benefits package is extensive, though, and once you’ve got it you might find the numbers add up for you. I have had one for 15 years.

My full review of the Amex Platinum card is here – this also includes details of the additional refer a friend bonus. Amex’s own home page is here.

American Express Preferred Rewards Gold

This is currently an outstanding deal which is showing no signs of going away. You pay no fee for the first year and earn 20,000 Membership Rewards points (see here for what 20,000 MR points can get you – 20,000 Avios points for a start!).  You need to spend £2,000 in 90 days to trigger the bonus.

If you are new to this hobby, I would make this your first American Express card.  One benefit of earning American Express points is that you only need to transfer them to an airline or hotel scheme when you are ready to redeem – there is no risk of being caught out by devaluations!

My full review of Amex Gold is here. The Amex home page to apply is here.

Amex Gold

Hilton HHonors Platinum Visa

You receive a free night in any Hilton Group property for spending £750 on this card. That could be worth £250 if spent wisely at a Conrad or Waldorf-Astoria branded property. My full review of the UK Hilton credit card is here. The home page for applications is here.

This remains my favourite promotion for someone new to this hobby. The card is free, you only need to spend a modest amount to trigger the bonus, and you can enjoy a free night in a luxury hotel afterwards (if you pick a decent one!). It will whet your appetite for what miles and points can bring you. The representative APR is 18.9% variable.

Note that Barclays is now only allowing you to earn the free night once, even if you reapply for the card in the future.  Use your voucher wisely!  Remember too that it is only valid for six months.

Hilton Visa

Bonus on small business cards

Head for Points focusses primarily on personal cards. However, if you are a sole trader or run a very small business, you may also want to check out the American Express Platinum Business Card and the American Express Gold Business Card. There is currently a 20,000 points (= 20,000 Avios) bonus on the Gold Business card and a 40,000 points (40,000 Avios) bonus on the Platinum Business card.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Bits: Tesco Premium credit card changes, BA drops City to Madrid and Alicante, Railcard discount
Bits: (Huge?) Qatar Airways sale starts Monday, register for triple Avios now, Hilton / American Airlines promo
About Head for Points

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Comments

  1. Oh – I have loads at confirmed (just not yet payable). Annoying. I’ll revert back to cash I think…

    • Blimey-I was lucky today then. Had £90 become payable and must have only cashed it in at about 11am!

  2. rams1981 says:

    OT IHG card by Barclays and the 10k spend per year to trigger free night. How do you know when the spend starts accumulating towards the next voucher?

  3. OT new American Express offers, helpfully a new offer for Cafe Nero as my son has taking a liking to it (which appears to stack with the Avios Offer at Cafe Nero)

  4. I had a phone call from Lloyds today (they are sorting out my 4,500 bonus avios for the referral which didn’t appear automatically – got the card in September). Said there were issues getting it to go through as the refer a friend has finished as of 31st Dec. They are honouring it though. Just wondered if you were aware the referral bonuis no longer.

  5. Mark1980 says:

    Is there still an upgrade offer from Gold to Plat?

    • Wally1976 says:

      Don’t think there’s an ‘official’ offer but phone up/send a message to ask and you may get lucky. I’m planning to try this before referring my wife for Plat so any feedback on how it goes would be good.

    • I tried 2 weeks ago (both by phone and secure message) but was told “this offer is no longer available”, shame as this was an easy way to get more free/cheap Avios.

  6. I read about people paying their tax bills using credit cards as an ‘easy’ way to get points. i didn’t think HMRC accepts credit card payments?

    • Visa and MasterCard accepted with a 0.4% fee. Search ‘tax weekend’ and you will get my last article (cannot copy and paste at the moment).

  7. Sam Wardill says:

    Is anyone else finding that the fraud security policies on Lloyds Avios are extremely restrictive? I struggled to buy my wife’s Xmas present (and £750 camera from Currys) on my card. In the end it went through on the Mastercard but not the AmEx. I just struggled to buy some suits for £300 from House of Fraser. In the end they went through on the primary cardholder’s Mastercard but not the AmEx nor the secondary cardholder cards. Calling up Lloyds customer service didn’t help. They couldn’t see the declined AmEx transactions.