Maximise your Avios, air miles and hotel points

Exceptional 35,000 miles bonus with the free American Airlines credit card

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I did have todays posts already lined up.  However, it is 6.25am on Saturday and I have been woken up by an over-enthusiastic 23 month old.  He is watching Fifi & The Flowertots, I am checking my e-mail.  And – tucked away at the bottom of my American Airlines statement this month – I found a great offer.

Until May 31st, American Airlines is offering 35,000 miles when you take out their UK credit cards.

This is, by a very long way, the best offer that I have ever seen on these cards.

Here is the link to the application form.

American Airlines

The key facts of the card are discussed in the review of the American Airlines card that I wrote last month, when the old offer was running.  Here are the key points:

The cards are issued by MBNA, so if you already have the bmi, Lufthansa or United cards it may impact your ability to get them

However, MBNA has a history (with the bmi cards at least) of allowing you, if rejected, to still get them if you agree to reduce the credit limit on your existing cards

The cards come as an American Express and Visa double-pack, earning 1.5 miles per £1 on the Amex and 0.75 miles per £1 on the Visa

The cards are free

The bonus is triggered as follows: 

  5,000 miles for the first purchase

  10,000 miles when you spend £1,500 within 90 days

  20,000 miles when you spend £5,000 within 180 days

These sums are NOT cumulative, so the 180 day target is £5,000, it is not £1,500 + £5,000.

There is NO restriction that the spend must be on the American Express card.  All of the qualifying spend can be made on the Visa card if you want.

The interesting thing about this promotion is that American Airlines miles are valid on British Airways flights since both airlines are members of the oneworld alliance.  You can also redeem on Iberia, Malaysian etc, plus AA-specific partners such as Etihad to the Middle East.

This is what I wrote in my ‘Credit Card Reviews‘ article last month:

“AA miles can be redeemed for BA flights, although you will be using AA’s partner award chart which is here.  You can quickly see that using them for BA European flights is poor value – 10,000 AA miles is enough an Economy one-way inside Europe in Economy, for eg, but you will still pay BA’s full taxes and fuel surcharges.

(Redeeming with Avios instead would let you do a Reward Saver redemption which caps the taxes on a one-way in Europe at £15, possibly £100 cheaper.)  It only becomes interesting if you go to the far reaches of Europe, since AA charges the same for London to Paris as it does for London to Moscow.

Long-haul from London, using BA planes, AA is a relative bargain on India and the Middle East, since Business is 60,000 vs 80,000 (Middle East) or 100,000 (India) for BA, and First is 80,000 vs 120,000 (Middle East) or 150,000 (India) with Avios points (all return prices).  AA is also a partner with Etihad which lets you fly to Abu Dhabi in their impressive J and F cabins.

Asia routes are also attractive, with Japan and Hong Kong costing 105,000 miles return in J compared with 120,000 Avios.  Cape Town is also a decent deal – BA charges additional Avios miles if you change planes in Johannesburg, which is necessary in most cases given poor availability on the direct flights, whilst AA does not.

AA miles come into their own when redeeming on AA planes, especially across the Atlantic, where you will not pay a fuel surcharge.  When using Avios, BA charges a fuel surcharge whether you use AA or BA planes, even when AA does not charge a fuel surcharge itself.

However, BA has moved New York, Boston and Washington into a cheaper band since November 2011 (Club World is 80k return) whilst AA still charges 100k from London for J to all points in America.  This offsets much of the difference when going to the East Coast.  AA’s J product is also behind BA’s in terms of food and comfort, although the new seat being rolled out is a major improvement.”

So …

You would have – including the miles earned on the minimum spend – over 40,000 miles.  That would get you a (one way) First Class ticket from the UK to the Middle East on Etihad.

Because AA includes Russia in their definition of Europe, a return BA flight to Moscow in flat-bed Club World would be just 40,000 AA miles.

Get to 50,000 miles and you would get a one-way in Business Class to anywhere in the US – and you won’t pay fuel surcharges if you fly on an American Airlines plane.  That same 50,000 miles will get you a one-way to Cape Town via Johannesburg on British Airways in Business Class – a cheaper redemption than using Avios.  (Coming back, of course, you can use your Avios.)

You don’t even have to use your miles for a flight!

Via this link, you can redeem American Airlines miles for hotels or car hire.  40,000 miles (roughly what you’d have after making the minimum spend) is good for around £160+ of hotel rooms.  You can mix miles and cash for more expensive rooms as well.

American Airlines is also a points.com partner.  Through this, you can exchange your AA miles (at an admittedly pathetic rate) for other programmes.  For example, 40,000 AA miles will get you 17,000 Priority Club points, 8,800 United miles or 11,000 Aeroplan miles.  This is clearly not the best way to go, though.

All in all, this is an excellent deal, especially as you can make the bonus by spending on the Visa card.  The offer runs until May 31st, so there is no immediate rush to sign-up.  I will run a reminder nearer the closing date.


How to earn American Airlines miles from UK credit cards

How to earn American Airlines miles from UK credit cards (April 2024)

American Airlines no longer has its own UK credit card.

There is, however, still a way to earn American Airlines miles from a UK credit card

The route is via Marriott Bonvoy. Marriott Bonvoy hotel loyalty points convert to American Airlines miles at the rate of 3:1.

The best way to earn Marriott Bonvoy points is via the official Marriott Bonvoy American Express card. It comes with 20,000 points for signing up and 2 points for every £1 you spend. At 2 Bonvoy points per £1, you are earning (at 3:1) 0.66 American Airlines miles per £1 spent on the card.

You can apply here.

Marriott Bonvoy American Express

20,000 points sign-up bonus and 15 elite night credits each year Read our full review

Comments (95)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Daniel says:

    I just saw this quote from the application form:

    “3. For American Airlines flights booked at aa.com or directly through the American Airlines telephone reservations centre. To receive this promotional offer flights must be purchased within 12 months of your account opening.”

    Does this make much sense, surely the miles just sit in your AA account like any other miles? Or will these particular bonus ones be earmarked to expire within a year from now (i.e. when I applied)?

    • Rob says:

      I think that refers to the bonus points you get when buying AA flights.

    • Dan says:

      I think this refers to:

      •Get 0% interest on card purchases on all American Airlines flight bookings for 12 months from the date your account is opened.

  • momomo says:

    The interest free option to purchase AA flights presents a possible shortcut to achieving the minimum spend.

    Ts&Cs merely state that card purchases count towards the minimum spend requirements – there is no carve out of (interest free) AA flights card purchases.

    Has anyone had experience refunding AA flights?

    • Rob says:

      Good idea. You could buy a refundable AA ticket (from aa.com), sit on it for a few months until the bonus points had been credited, and then refund it.

  • Gordon says:

    I am sure you have noticed that you will no longer be able to track your American miles with Award wallet as well as Delta and United. I wonder if this is a trend that will continue with others pulling out?

    • Rob says:

      Yes, this is a pain. I personally find it counter-productive and actually makes me less likely to do things with AA (current deal excepted) because I don’t see my balance when I use Award Wallet and tend to forget I even have miles with them. There is an argument that says ‘we want customers to visit out website to discover their balance so we can try to sell them other rubbish’, of course.

      Luckily, for UK residents, it is not a major loss. If you fly a lot in the US, however, not being able to track the big 3 airlines via Award Wallet does massively impact its functionality. Interesting to note that none of the hotel groups have taken the same view as the airlines.

  • chana says:

    I applied for the card last week on 11th April, with the offer for 5k points after 1st purchase. Card was approved 13th April.
    Is there a chance I can get MBNA to give me this bonus if I didn’t apply with this offer? If yes, how?

    • Rob says:

      Ring and see. You have the 14 day ‘cooling off’ period in which to cancel, which lets you cancel without any reference on your credit report, so the worst case is that you cancel under the ‘cooling off’ rules and reapply. Tell the phone rep you will do this, to persuade them to put you on the new deal automatically.

  • Alan says:

    I love MBNA – the whole application process is so painless compared to Barclaycard & Amex! Instant approval with a slightly scarily generous credit limit, card on it’s way! 😀 I think I’ll need to buy a new wallet now for all these cards 😉

    • Rob says:

      MBNA are very good. They don’t suddenly stop your card overseas, and they are very proactive in calling if they spot suspicious activity on your account. They spotted fraud on my card recently just from 2 x £20 Vodafone topups which someone had put through.

      They also post miles very promptly. BMI miles post before the statement arrives.

  • Jay says:

    Any recommendations on how to hit that £5000 spend limit?!? That is quite high!!!

    • Rob says:

      It is over 180 days, though. And the Visa counts, so easier to spend. One cheeky option is to take advantage of the 0 per cent deal on AA flight purchases. Buy a flight, wait for all of the bonuses to post, then cancel it. They won’t take the miles back.

      • Neil says:

        That seems like quite a big loophole… I assume they would take back the miles earned on the spend for the tickets but let you keep the 35000 bonus?

        • Rob says:

          Yes and no. They don’t even take back the miles on the basic spend … you simply have a negative miles balance with MBNA and they won’t send any more miles to AA until you’ve earned them back. (This only applies to base spend, the bonus will never be reclaimed.)

  • Jay says:

    Also the app doesn’t ask to put your existing AA Mileage number and acct info – is this something you do later on the phone?

    • Rob says:

      With the bmi cards, they found your number by matching your name and address. If they fail to match, they open a new account, annoyingly, which you will need to merge.

    • Alan says:

      It should work the same way as it did with bmi MBNA cards – they’ll try to link to your existing account based on email/address (not sure if both or just one), if they can’t find it then they’ll create a new one that you can subsequently get merged.

      Re meeting the spend target – see the article on here re. paying council tax, etc. via card – that’s immediately a couple of grand and then you’ve got options like Amazon vouchers, Tesco giftcards, other retailer giftcards from Tesco, etc. Over 180 days I think it’s not unreasonable – although it’s good that they do offer bonuses for smaller spends too.

  • Robert says:

    FWIW I have been rejected for this card/offer (already have 2 mbna cards). Called up to ask if I could lower credit limit on existing cards to get this and was flat out rejected and told that once declined there is absolutely no discussion about getting the card unless you can prove that information in your credit file is incorrect.

    Don’t know if MBNA has chaned policy or not. Anyone else been rejected or have different experience?

    • tom says:

      Had exactly the same experience on the recent LUFTHANSA card … don’t know if I should try again now for the AA card …

      • Rob says:

        Thanks for the feedback. I will stop repeating the mantra (which WAS true in the BMI days) that MBNA is more than happy to give existing cardholders more cards. Perhaps this bonus is too expensive for them to be too flexible.

        • tom says:

          Do you know how long is the cooling of period by MBNA I should be able to reapply after being declined? I thing AMEX for example will automatically decline your application if you’ve been declined on this card within the past three months, other card issuers do it within six months

          • Rob says:

            No idea, sorry. I have just applied myself today and get a feeling I may get rejected due to the high limit on my BMI card, so I may be about to find out.

          • Alan says:

            I take it they didn’t give you an instant decision then, Raffles? 🙁

          • Rob says:

            I never get one, card companies go nuts when they see the cost of renting property where we live and assume the form was done wrong!

          • Alan says:

            Ahh fair enough – they seem a bit happier with my repayments on a baserate tracker 😉

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