‘Credit Cards Update’ updated for January

I have updated the ‘Credit Cards Update’ page for January. It was not a difficult job, for once, because there have been no major changes since the December list came out!  The only amendment was removing the Miles & More 10,000 mile bonus which ended on 10th December.

To be honest, I expect this situation to be temporary with a few offers launched later this month.

Given the lack of new deals, let me repeat my advice on the best cards currently available if you are thinking of a New Year ‘churn’:

1. Starwood Preferred Guest American Express

The 20,000 point bonus (usually 10,000) gets you 25,000 airline miles in over 30 programmes, including Avios. There is a £75 fee  and you get a pro-rata fee refund when you cancel. This offer runs until 1st February, so if you are interested then I would apply sooner rather than later.

2. British Airways American Express cards

Again, there is an excellent offer at the moment which I believe will end soon. 9,000 Avios for the free card and 25,000 Avios for the paid card is about as good as it gets. And the 2-4-1 voucher for use on Avios redemptions that comes with this card is the most valuable perk in the UK loyalty card sector, as I discuss here. If you have been thinking about the BA Amex, now is as good a time as any to jump in.  Apply here (free) and here (paid).

3. American Express Preferred Rewards Gold

This is currently an outstanding deal, which is showing no signs of going away. No fee for the first year and 20,000 Membership Rewards points if you are referred (see here for what 20,000 MR points can get you – 20,000 Avios points for a start!) The bonus if you are not referred is lower, at 20,000 points.  Apply here.

Amex Gold

4. Hilton HHonors Platinum Visa

Finally, if you’re looking for a Visa or Mastercard, this card remains a great deal purely for the sign-up deal. You get a free night in any Hilton Group property for spending £750. That could be worth £250 if spent wisely at a Conrad or Waldorf-Astoria branded property.

Hilton credit card

Full details, including links to the application forms, are on the ‘Credit Cards Update’ page.

You will note that I haven’t included Amex Platinum in this list. I want to cover this again in a separate post in a few days.

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  1. Think it is safe to cancel the SPG while leaving the points as SPG, or would you move them on before hand?

    Can’t see any reason or need to move them on yet.

    • No risk here at all, your points are safe in SPG

      • I know, it’s just the ‘churning’ factor seem too cheeky for me! It feels like I’m being abusive.

        Mind you, if the people in America are playing the Chase game, why should we missout on some fun…

  2. With the SPG card, how long should one expect to wait before the 20,000 points are posted – once the requisite £1,000 has been spent?

    • Mine posted instantly as part of the transaction which pushed me over £1000

      • Same here. Got card. Confirmed working with a couple of low vals. Put through a £1k+ transaction, SPG account credited with 21,… in a single posting.

        Sadly had to do a tiny part refund on my £1k txn, which took it just under £1k, so banged through a few more low value ones just in case the system wanted to reverse the 20k at that time.

  3. Does anyone know if this is the same for the AmEx Gold card? Just passed the £2k mark (in 6 weeks – eek!) so will the 20K bonus MR post soon? Thanks

  4. I don’t think there is a set limit.
    I’ve had 4 with Amex direct at one point.

  5. Sorry if this has been answered elsewhere – applying for the SPG card, I get a message on the AMEX application screen saying:

    I will not be eligible for any Welcome Bonus award if I currently hold or have held any Avios enrolled American Express Card in the past six months

    I have the BA AMEX card already, so does that rule me out of getting the welcome bonus?

    If memory serves, there was a similar clause when applying for the AMEX Gold membership programme card, but I still got the welcome bonus (which in answer to your question James, was credited as soon as I spent over the £2k threshold…)

    • Shouldn’t be a problem as the SPG AMEX isn’t avios enrolled since you have to convert your points into avios. Still, I’d be interesting in knowing what exactly constitutes ‘avios enrolled’.

      • I read that to mean a BA Amex. But this doesn’t make sense in the discussion of the SPG card, and part of me thinks it is a mistake. Both me and my wife got the SPG Amex and the bonus whilst already holding a BA Amex.

        • Makes sense. I suppose it could refer to all Amex-cards generating avios directly, but in that case the restriction would include MBNA-cards as well, which doesn’t appear to be the case.

  6. The amex gold charge card, I got one and charged my annual train season ticket on it. As this is travel spend I got double points plus the 20000 bonus points.

  7. I received the BA Amex offer (again) in the mail today and it says the application link expires on Feb 8 – so I’m guessing the offer will be around at least until then.

  8. Ruffles, i currently hold AMEX gold card and second year started in Dec for which i’ve been charged after getting a discount off the first year fee. AMEX also offered me plat card credit card( not charge card) where i can collect MR free. this is not currently offered on their website. do you think its worth it to keep tohe gold card?

    • It is probably not worth keeping your Gold. Cancel and get a fee refund. Unless you spend a heck of a lot, or use the lounge passes, you won’t justify the fee through the extra points on travel and FX spend. Only exception would be if you had spent the £15,000 needed to get the 7,500 bonus points on renewal.

  9. Ruffles, just to add that the plat credit card was given with 3,000 MR on spending £500 over three months and it carries 1 MR per £ hereafter. i value these free points as £22.50 and other benefits on the gold card including two free lounge visits, travel inconvenience ins and triple MR on overseas spend means £125 is probably worth it.

  10. For those who have received confirmations can you advise how long after ordering it was received? I’m guessing that this alone does not mean the order will actually be fulfilled?

    • Mine came at 7.45 last night, so about 3-4 hours after I ordered. They are still showing as ‘in progress’ online.

  11. Hi Raffles, one other question I have, which I’ve looked in the Amex T’s and C’s for but cannot see any detail, is whether I can refer my wife for an Amex Gold card or if this is excluded as she is immediate family?
    Thanks in advance,

  12. Arther said:
    ‘AMEX also offered me plat card credit card( not charge card) where i can collect MR free. this is not currently offered on their website.’ and
    ‘… the plat credit card was given with 3,000 MR on spending £500 over three months and it carries 1 MR per £ hereafter’

    I had not come across a free MR-earning credit card before. Was this a special offer just for Arther or could it be something more widely available?

    • I get a feeling that this card will be opened up to the public after a soft launch.

      It would be a good result, as it means you could get one and then cancel your Gold or Plat without panicking about redeeming all your MR points immediately.

  13. Roger:
    Was this a special offer just for Arther or could it be something more widely available?

    AMEX told me this MR generating plat card is linked to my PRG and MR earned on the plat are accrued in the total recorded within my PRG. I suspect if I can cancel the PRG, the plat will stop generating MR and will simply become a normal credit card. But free 3000 on spending £500 was very valuable!