A credit card offering 4.5 Avios per £1 …. but not in the UK
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UPDATE – JUNE 2025: This is an old article, and the credit card information given is likely to be out of date.
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It is generally accepted that residents of the USA have by far the best range of credit card sign-up bonuses to choose from. It is difficult to disagree with that, especially when you compare US to UK packages for the same card. However, I have generally thought that the UK is the second-best country to live in for loyalty credit cards.
I may need to change my view, though. Reader Luke, who lives in Dubai, sent me details of the Citi PremierMiles Elite credit card. And it is a stonking package!
Whilst the card has an annual fee of £300 (£150 in Year 1) and has no sign-up bonus, you can’t help but be impressed by the benefits:
3 airline miles per US$1 spent internationally (so 4.5 miles per £1, roughly) and 2 per $1 (3 per £1) in the UAE. You can take miles in seven airline schemes, including British Airways, plus three hotel schemes. Transfer to Hilton and you get 1:2, so 9 Hilton points per £1 for non-UAE spend!
Free Priority Pass for airport lounge access
‘Buy 1 Get 1 free’ deals for 100 restaurants and attractions
Elite status with Fairmont, Swissotel, Raffles and Best Western hotel chains
Sixt and Budget car rental deals
1-year use of the fast e-Gate at Dubai International Airport for free
Black level membership of Harrods Rewards (an odd one, but something I could really use!)
I have seen other big-number sign-up deals for UAE credit cards being advertised in Dubai, so I imagine it is a competitive environment for the expat credit card sector. What is interesting about this card is the lack of sign-up bonus offset by the very high earning, which presumably eliminates ‘churn’.
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How to earn Avios from UK credit cards (June 2025)
As a reminder, there are various ways of earning Avios points from UK credit cards. Many cards also have generous sign-up bonuses!
In February 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
There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus Card
30,000 Avios and the famous annual Companion Voucher voucher Read our full review

British Airways American Express Credit Card
5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review
You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

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

The Platinum Card from American Express
50,000 bonus points and great travel benefits – for a large fee Read our full review
Run your own business?
We recommend Capital on Tap for limited companies. You earn points worth 0.8 Avios per £1 on the FREE standard card and 1 Avios per £1 on the Pro card. Capital on Tap cards also have no FX fees.

Capital on Tap Visa
NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
There is also a British Airways American Express card for small businesses:

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
There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

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
Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.
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