HfP ‘Credit Cards’ page updated for June 2017 – what are the best deals this month?

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• Jay says:

  8 Jun8 June 12:34

  Is the BAPP card offer likely to come up again later in the year? First time planning to get as new to the miles/points collecting game.

  I’ve hit points spend on Amex Plat and ready to cancel. I’ve just got the Lloyds card so thinking best to hold off on the BAPP card until the double Avios points ends (near end of year)…that a good strategy? Or would it be better to get the BAPP now and get the bonus points in 3 months and then use the Lloyds?

  • Genghis says:

    8 Jun8 June 12:43

    Only you can decide on the best strategy depending on what you want to achieve.
    The BAPP offer comes around very often but I would apply for it asap to get the sign up bonus and then cancel (if you don’t need the 241 at the moment) so as to reset the clock on another sign up bonus in 6 months’ time. Depending on how much you spend, the avios earned from the sign up bonus will be much more than the double avios (capped at £2.5k per statement month on the Lloyds card).

    • Jay says:

      8 Jun8 June 12:45

      Thanks Genghis. That answers it for me as with my work expenses that’ll go over that amount in a month. Much appreciated 🙂

  • Rob says:

    8 Jun8 June 13:04

    Last year BAPP spent more time on 25k than the ‘usual’ 18k so I wouldn’t worry.

• Chris says:

  8 Jun8 June 13:33

  Random OT question: Some of the VISTA experiences offered to amex platinum members have caught my eye. It says that if purchased they must be paid for using the platinum card itself however. Does anyone know if they enforce that? I’ve already triggered my plat bonus and need to channel spend to some other cards. THanks.

  • Rob says:

    8 Jun8 June 14:13

    If it is online booking I doubt it matters. If it is call centre booking they might enforce it but if you wanted to channel spend to another UK Amex then they might let you off.

    • Chris says:

      9 Jun9 June 13:41

      Thanks Rob!

• Anna says:

  8 Jun8 June 13:47

  Just about to activate the 2 4 1 on the BAPP and we get an offer of 7000 bonus avios on a further £7000 spend…not targeted or anything! It’s also interesting that this is the spend required to trigger the Lloyds upgrade voucher.

  I won’t be taking up the offer – a £7000 spend would in this case generate 17,500 avios – whereas £7000 would buy around 450,000 avios if we felt so inclined!

  • MarkH says:

    8 Jun8 June 13:56

    I don’t think you can compare it like that as the £7k spent as part of the offer is money spent on other things that you presumably would buy anyway.

    It would be valid to compare vs the £7k spend needed for the Lloyds upgrade voucher though

    • Genghis says:

      8 Jun8 June 14:03

      And i certainly wouldn’t buy avios at that price!

    • Anna says:

      8 Jun8 June 14:33

      The point is I would never spend £7000 on the card when I’ve already got the 2 4 1, just to get 7000 avios. You can buy 7000 avios for £127. I was using the example of buying to show how poor the offer is, not because I would buy them!

      • Genghis says:

        8 Jun8 June 14:49

        I disagree. It depends on how fast you would spend £7k.
        Spending £7k on the card would yield 10,500 avios and when add on the extra 7k avios, yields a total of 17,500 avios for £7k spend, valuing avios at 1p = £175. If you can spend that in say two months, that would be an additional (195/12)*2 in fees = £32.50 assuming you would not otherwise use the card and so get a net benefit of £142.50 or just over 2%. This is decent. For avios beaten by the Lloyds card in first 6 months at 2.5% (but only on up to £2.5k per statement month spend). But you also delay “resetting the clock” by two months.

        • Aliks says:

          8 Jun8 June 17:19

          But if you will be spending £7,000 in the next couple of months, you could trigger a welcome bonus on a different Amex card and get much more than 7,000 avios.

          If you and spouse are all maxed out on all other Amex cards then you are probably Avios rich anyway. . . .

        • Genghis says:

          8 Jun8 June 17:29

          Very true. Whether something is good depends on circumstances. We’re waiting to churn all 3 Amex currently but I wouldn’t describe myself as avios rich. At least not approaching Rob / TRH1 levels.

• Another Phil says:

  8 Jun8 June 15:35

  OT – I am booked to fly WT+ EDI-LHR-KUL in the not-too-distant future. This was booked before CE was available on domestic flights. After the changes my booking class showed as Y and I was automatically given CE access for domestic leg. The booking class is now T for all legs but I’m still in CE. Is this likely to be an error?

  • Another Phil says:

    8 Jun8 June 15:36

    Oops it’s J for the domestics.

    • Another Phil says:

      8 Jun8 June 15:37

      Which I still find bizarre given that the BA website says that’s a class for business flexible…

      • Another Phil says:

        8 Jun8 June 15:38

        Maybe I’m mis-remembering something…

        • Nick says:

          8 Jun8 June 18:51

          You are missing something. J is ‘business flex’ when sold on its own, but as a connection on shorthaul to longhaul, it’s simply a way of forcing availability on the best timed connecting flight. Imagine if you had a restricted R class longhaul inbound and the first connection with R available was 22 hours later. Would you be happy? No and BA knows it. So they allow J where required but only when added to a longhaul business fare.

• Mycity says:

  8 Jun8 June 18:33

  If I cancel my BA Premium card after renewal , do you get back a portion on the £195 already paid like the Amex Gold and Platinum?

  • Lev441 says:

    8 Jun8 June 18:51

    Yes, it’s refunded pro rata.

  • Nick says:

    8 Jun8 June 18:52

    Yes

    • Mycity says:

      8 Jun8 June 23:18

      Thanks for the answers guys

• Alan says:

  8 Jun8 June 20:49

  Just to confirm, that’s my £100 BAPP credit now posted – for some reason it is dated 2 days ago, but only showed up in account today. Was 5 days from original transaction purely on dates, or 7 days in respect of when it was actually visible on my account.

• Mark LLL says:

  9 Jun9 June 10:47

  Would an experienced forum member please advise:

  Applied for Amex gold rewards charge card, Rob kindly supplied a referrers code.
  Used the code at sign-up and additional 2,000 MR bonus showed during application i.e. 22,000 MR (Achievable with spend conditions)

  However, on card activation only the standard 20,000 MR welcome offer is showing as available (if I spend GBP 2,000 in 90 days).
  Is this usual, or should I be seeing 22,000 instead of 20,000.
  I hope Rob got his referrer’s bonus, I’m thinking it was my HFP ‘subs’ for the year 🙂

  • Rob says:

    9 Jun9 June 10:53

    This is usual. Amex’s IT is not good enough to update that message for referred people. You’ll get the 22k.

    • Leo says:

      9 Jun9 June 11:25

      I never did actually….

  • Alan says:

    9 Jun9 June 11:19

    Totally normal 🙂

    • Mark LLL says:

      9 Jun9 June 11:33

      Thank you Rob and Alan, it is reassuring to know this is usual 🙂

      Leo, I’m sorry to hear you did not get the bonus.

      • Leo says:

        9 Jun9 June 11:49

        Thanks for clarifying the situation for others! I just chalked it up to experience.

• Rts says:

  9 Jun9 June 13:12

  Anyone know if the gold to play upgrade offer has come back yet?

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