“Are there any restrictions on the BA Amex bonus if you have the Lloyds TSB Avios Amex?”
Links on Head for Points may support the site by paying a commission. See here for all partner links.
UPDATE – JUNE 2025: This is an old article, and the credit card information given is likely to be out of date.
To learn about current credit card bonuses, benefits, terms and interest rate information, take a look at our directory of the top UK travel credit card offers – please click HERE or use the ‘Credit Cards’ menu above. Thank you.
Keep up to date with new UK credit card bonuses by signing up for our free daily or weekly newsletters.
Over Easter, I will be answering a number of the reader questions that were submitted via this article. If you didn’t take part this time, don’t worry as I will be re-running this feature in the Summer. Feel free to expand on or critique my answer using the Comments section below!
Today’s question is from Mark Ross who asked:
“I currently have a Lloyds Premier Amex but am looking to move to the BA Amex. Do you know if you can go straight from one to the other or do you have to close one down and wait a certain length of time to apply for the next one. I realise that it is two different card issuers but both are Amex and both offer bonus Avios.”
‘It is no problem’, is the quick answer.
The long answer is that I spend a lot of time on Head for Points listing ‘conflict of interest’ rules which stop you getting a certain credit card bonus if you already have a similar credit card.
American Express is the main culprit. The main rule they have is that you cannot apply and receive a bonus on the Platinum or Preferred Rewards Gold charge cards if you already have – or have closed within the last 6 months – a Platinum, Gold or Green Amex.
Both Lloyds TSB and Amex also refuse to give you a bonus if you upgrade (or indeed downgrade) directly from their free Avios card to the higher-earning paid version.
In Mark’s case, however, there is no problem.
As he points out, the Lloyds (and MBNA) American Express cards have nothing to do with American Express in terms of your customer relationship. If you apply for the Lloyds Avios cards, what matters to Lloyds is your current credit exposure to them via any other Lloyds credit cards, not how many Amex-issued Amex cards you may have.
The only thing to remember is that – when Mark applies for the BA Amex – the fact that he has another active credit card with another issuer will obviously be taken into consideration.
American Express often gives ludicrously high credit limits, which can hurt your chances of getting other credit cards. If you have a £20,000 limit but never spend more than £3,000 a month, you should consider cutting your limit (you can do it online) to something like £5,000 – this make it a lot easier to get other credit cards.
PS. If you are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and will help you travel better. To join our 70,000 free subscribers, click the button below or visit this page of the site to find out more. Thank you.
Want to earn more points from credit cards? – June 2025 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
SPECIAL OFFER: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.
SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.
American Express Preferred Rewards Gold Credit Card
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review
British Airways American Express Premium Plus Card
30,000 Avios and the famous annual Companion Voucher voucher Read our full review
The Platinum Card from American Express
50,000 bonus points and great travel benefits – for a large fee Read our full review
Virgin Atlantic Reward+ Mastercard
18,000 bonus points and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
The American Express Business Platinum Card
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review
The American Express Business Gold Card
20,000 points sign-up bonus and FREE for a year Read our full review
Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
Capital on Tap Visa
NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review
British Airways American Express Accelerating Business Card
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
