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

It is 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 new readers.

What’s changed this month?

The big story was the mainstream launch of the American Express Rewards Credit Card (ARCC).

ARCC:

ARCC is a standard Amex-branded credit card.  It has no annual fee and no substantial benefits, except for the ability to collect Membership Rewards points at 1 point per £1 spent.

There are three versions of the card available:

LOW RATE – 5,000 Membership Rewards points bonus and a representative APR of 9.9% variable (click here)

or

BASIC – 10,000 Membership Rewards points bonus and a representative APR of 22.9% variable (click here)

or

PURCHASES – NO sign-up bonus but 0% APR on purchases for 18 months and a representative APR of 22.9% variable beyond that (click here)

The first two cards require a £500 (5,000 points version) or £1,000 (10,000 points version) spend within three months to trigger the bonus.  You won’t get a bonus if you’ve had a Gold, Green or Platinum Amex in the last six months.

There are two reasons why you should consider getting an ARCC card:

As I wrote in this article, it is your solution if you are planning on cancelling a Gold or Platinum Amex to avoid the annual fee, but do not want to cash in your Membership Rewards points just yet.  The free ARCC card keeps your Membership Rewards points alive.

As I wrote in this article, the ARCC card is BETTER than the free British Airways Amex card if you don’t plan on spending £20,000 to trigger the 2-4-1 voucher.

Other offers:

The usual ‘back to school / work’ rush of new offers failed to appear this year.  It seems that MBNA is sitting on its hands – there are rumours that its Amex licence ends in February and of course it appears to be losing the Virgin cards to Virgin Money – and they are the main drivers of special offers.

British Airways is still running an improved sign-up bonus on its two British Airways American Express cards.  No closing date has been given for this deal.

There is a slight tweak this time.  The Premium Plus card is back to 25,000 Avios for signing up.  The free BA Amex, however, is only up to 5,000 Avios from the usual 3,000 Avios – this is usually increased to 9,000 Avios.

I would guess that Amex is trying to encourage more people to take the Premium Plus card by widening the gap in the sign-up bonus.  Frankly, you shouldn’t get the free BA Amex if you are planning to earn the 2-4-1 Avios flight voucher – this article explains why.

best travel 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.   Only the British Airways offers are special deals whilst the IHG and Amex 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.

British Airways American Express

For an unspecified period, the bonus on this free card increased from 3,000 Avios to 5,000 Avios.  My full review of the card is here.  You can apply here.  Representative APR 22.9% variable.  Do note, however, my comment above about the new Amex Rewards Credit Card which may be a better choice for many people.

British Airways American Express Premium Plus

For an unspecified period, the bonus is increased from 18,000 Avios to 25,000 Avios.  Note that the annual fee increased last year 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 (which you can instantly match to Marriott 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. 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

IHG Rewards Club Premium MasterCard

This is my preferred Visa / MasterCard because of the strong overall package.  Whilst there is a £99 annual fee, this is offset in Year 1 by the 20,000 bonus IHG points you receive.  You get IHG Rewards Club Platinum status for as long as you hold the card.  You will also receive a voucher for a free night at any IHG Rewards Club property when you spend £10,000 per year.  Representative APR 41.5% variable including fee based on a notional £1200 credit limit.

The Tesco card is also an option

Whilst it has no sign-up bonus, the no-fee Tesco Clubcard MasterCard remains the best free Visa or MasterCard for earning Avios for 95% of people (the HSBC Premier cards are better but this has very strict criteria for signing up).  You receive 0.3 Avios per £1 if you convert your Clubcard vouchers into Avios.  There is also the potential to use the points for Virgin miles or a totally different Clubcard Boost deal.

0.3 Avios per £1 is still not great unless you assume that there will be occasional conversion bonuses – and the nasty ’rounding down per transaction to nearest £8′ rule means that you will get less than 0.3 Avios is reality.  They are a good bet if you want a long interest free or balance transfer period.  There are various versions of the Tesco card but the best are:

Low rate card (representative APR 5.9% variable) or

30 months interest free period on all purchases (representative APR 18.9% variable) or

0% interest on balance transfers for 40 months (representative APR 18.9% variable)

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.

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.

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Comments

  1. Mr(s) Entitled says:

    Amex Nectar should be here.

  2. I see that “You won’t get a bonus if you’ve had a Gold, Green or Platinum Amex in the last six months.” I assume that being an additional cardholder on my wife’s Gold card doesn’t count and I can apply for my own Gold card or the new ARCC card with the bonus?

    • Yes. Being a supp affects nothing

      • Thank you. Somebody has just asked me to book and pay for some flights for them [not computer savvy] and that will trigger the 20,000 bonus. Excellent news.

    • This question gets asked almost every day, maybe the wording in the articles should make this clearer

      • Hopefully this question doesn’t get asked every day! Others have mentioned that they’ve taken out supp cards during the application process of the Gold Amex but then noticed that Amex offers bonus avios for taking out a supp once the card has arrived. Does Amex offer a similar sweetener for BAPP cards? I’m due to refer my wife for a BAPP but wanted to know whether I should hold off on the supp card? Many thanks

        • I can’t recall whether it was Gold or BAPP (suspect the latter), but I added my wife as a supp. cardholder at the application stage. A week or so later I got the bonus offer, for my FIRST supp. cardholder.
          I contacted Amex and asked, since I already had a supp, how was I supposed to qualify for this offer. They applied the bonus points there and then.

        • I would hold off.

        • Hopefully Rob’s “I would hold off” suggests that Amex might be doing a sup car bonus soon? I’d like to add my other half onto my Gold and BAPP for quick bonus before cancelling a card.

        • I recently held off getting a supp at the time of churning the Plat and waited six weeks before I got my 5000 MR email for adding a first supp.. Snapped it up.

          Oddly I applied for a supp on my BA Amex for my son a couple of days later and got 3000 BA miles for that too even though I have had another supp on my account since forever.

      • Amex should make it clearer.

        I also get emailed at least once a week to ask whether the phrase “anyone with a Membership Rewards account cannot have a bonus” means BA Amex cards too.

  3. RussellH says:

    Comparing the free BA Amex with the free American Express Rewards Credit Card, the BA sign-up is more useful, if you are already collecting Avios.

    It is also useful for keeping an overall Amex a/c live if you wanted to churn the American Express Rewards Credit Card (assuming that this will be possible).

    I accept that the PRG Amex is more lucrative to churn, but the targets on the American Express Rewards Credit Card are much more attainable.

  4. OT but re. Nectar points. Does anyone know if there is a limit to the number of Nectar points you can use when there is a promotion making them worth 1p on eBay?

    • Andrew M says:

      More often than not (these days). Normally only, say, 1500 or 3000 points. Pretty poor if sitting on a huge stash.

    • Half your balance, because what they do is make you redeem them at 0.5p per point and then give you 50% of them back as a bonus 4 weeks later.

      So …. you redeem 40,000 points for £200 of ebay credit but, a month later, you get rebated 20,000 points back. You can’t empty out your account this way.

  5. Nate1309 says:

    The ARCC gets a love of “ooooo’s” and “wows” being see through.

  6. Hi,

    confused on the signup bonus if you already have a card…. I have just received the 30,000 nectar points bonus, could i cancel and still get he 20,000 preferred rewards gold bonus?

  7. Anotherbigspender says:

    I have an existing Amex Platinum Cashback card. Cashback is paid next month and I was planning to cancel then to sign up for one of the Avois Reward cards. Does anyone know if I will qualify for the sign up bonuses?

    Alternatively, my wife is a secondary card holder on my account. Could she sign up as a main card holder and then refer me for extra bonuses in 6 months?

    • Anotherbigspender says:

      The bold text would suggest I am ok…

      You will not receive the sign-up bonus if you have held a Platinum, Gold or Green American Express card in the six months before you apply.

      For clarity, [b]you will definitely receive the sign-up bonus if you already have a BA Amex, SPG Amex, Platinum Cashback Amex or any Amex issued by Barclays, Lloyds or MBNA.[/b]

      After the first year, when the £140 annual fee kicks in, you can cancel at any time for a pro-rata fee refund. American Express is the only card issuer to offer such a pro-rata fee refund.

      American Express no longer has a minimum income requirement for any of its cards.

    • You’re fine. Plat Cashback blocks you from nothing.

  8. John Gallagher says:

    Couldn’t find a thread to post this so will post here:
    I get 3 x spend (instead of 2 everywhere else) at Hilton hotels with HH uk credit card.
    I have 14 nights of ancillariy spend coming up outside of the Uk that I would normally put through my Curve which is linked to my HH CC.
    I assume doing it this way would only generate 2 x spend?

  9. O/T – Just received my Amex Gold Charge Card and wondered if I should set up a new online account for it or see if I can link it to my BAPP online account. Can’t find anything to back up my next statement but I think I might see different offers if I have 2 online accounts or am I dreaming? Wouldn’t be the first time 🙂

    • Swad Wolf says:

      I have both of these cards on the same online account and I receive different offers on each card so you should be ok.

    • Johnny_c-l says:

      You can add it to your existing account via the ‘card management’ menu along the top. You’ll then have the option to view the offers for this card (in addition to your BA card).

  10. I have the original free LLOYDS BANK DUO AVIOS credit card. Does that come with the upgrade voucher after GBP7,000 spend? I called Lloyds and they did not know!

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