I have run a few posts recently about the 35,000 mile sign-up bonus on the American Airlines credit cards, issued by MBNA.
This is great deal – as long as you can make the £5,000 spending target within six months. This is an example of where 35,000 AA miles can take you.
When I wrote my original post, I mentioned that MBNA offers 12 months interest free credit on American Airlines flights booked via aa.com and charged to the card.
Reader Neil dropped me a line to say that, looking at his initial American Airlines credit card statement, 0% interest free credit applies to ANY flights booked via the aa.com website. As all British Airways flights are bookable via aa.com, this effectively means that you can get 12 months free credit on BA bookings.
There are three things remember if you want to try this:
First, you would get double Avios points if you pay with a British Airways Premium Plus Amex for your BA flights. You might find the double Avios more valuable than 18 months interest free credit.
Secondly, if you have an American Express Platinum charge card, remember that you need to pay for your flights with an Amex-issued Amex card to be covered under some parts of their travel insurance. As the AA cards are issued by MBNA, you would not be covered.
Thirdly, if you decide to use your AA card for interest-free BA spending, you should stop using it for general spending. This is because – rather sneakily – MBNA charges interest on all new purchase whether or not you settle your bill at the end of the month if you carry forward a balance. For example, if you carry over £1,000 of aa.com spending and spend another £200 during the next month, you will be charged interest on that £200 even if you clear the bill at the month end.
That said, if you can work around the points above, this is another good reason to get the AA card before the 35,000 mile bonus is withdrawn at the end of May.
Want to earn more points from credit cards? – September 2021 update
If you are looking to apply for a new credit or charge card, here are our September 2021 recommendations based on the current sign-up bonus.
The following offers will end soon:
- 2,000 Virgin Points on Virgin Atlantic Reward Mastercard (ends 15th October)
- 30,000 Virgin Points on Virgin Atlantic Reward+ Mastercard (ends 15th October)
- 10,000 Avios on British Airways American Express (ends 2nd November)
- 40,000 Avios on British Airways American Express Premium Plus (ends 2nd November)
- 60,000 points on The Platinum Card from American Express (ends 2nd November)
- 30,000 points on American Express Preferred Rewards Gold (ends 10th November)
Here are the top current deals:
British Airways American Express
10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review
British Airways American Express Premium Plus
40,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review
The Platinum Card from American Express
60,000 points and an unbeatable set of travel benefits – for a fee Read our full review
Virgin Atlantic Reward Mastercard
The UK’s most generous free Visa or Mastercard at 0.75 points / £1 Read our full review
Virgin Atlantic Reward+ Mastercard
30,000 points bonus and the most generous non-Amex for day to day spending 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.
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
American Express Business Platinum
40,000 points sign-up bonus and a long list of travel benefits Read our full review
British Airways Accelerating Business American Express
60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
Capital On Tap Business Rewards Visa
The most generous Avios Visa or Mastercard for a limited company Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending: