Earn 11,340 Avios for getting the free & ‘no FX fees’ Post Office credit card
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On Tuesday, I wrote about the generous new sign-up bonus of 500 Clubcard points when you join cashback site TopCashback via a referral.
The core benefit of TopCashback for Avios or Virgin Flying Club miles collectors is that you can convert up to £50 of cashback each year into Tesco Clubcard points. They even give you a 5% bonus for doing it! That £50 of cashback will therefore earn you over 12,000 Avios points, which is a far better deal than taking your cashback as money.
By coincidence, there is one very good deal on TopCashBack at the moment which can get you very close to this £50 target in one go. It is also a deal that will continue to make you money throughout the year.
I published this article on credit cards which do not charge foreign exchange fees a couple of weeks ago. Whenever you use 99% of UK credit or debit cards abroad, an extra 2.99% fee is added. This is a poor deal, even if you are earning reward points for the transactions.
There are a handful of cards which do NOT have this 2.99% fee. The Post Office credit card is one of them. If you take out this card and use it abroad, you will save 2.99% on every transaction you make. No, you won’t be accruing any miles or points, but you will be saving a lot of real money.
The Post Office credit card is FREE. More importantly, TopCashback is currently offering £45 cashback if you take it out.
Transfer this £45 to Tesco Clubcard and you should receive, with the 5% bonus, 4,725 Clubcard points. That will get you 11,340 Avios points or 11,812 Virgin Flying Club miles.
This is our refer-a-friend link to TopCashback. This article from Tuesday has some more information on them. Once you have signed up, you can use their link to click through to the Post Office credit card application page.
IMPORTANT: Note that you must be accepted immediately in order to receive the TopCashback cashback. If your card application is NOT accepted immediately, then TCB will not be paid. I would therefore only apply if a) you have lived at the same address for three years and b) have not had any credit issues in the past and c) are on the electoral register. This maximises your chances of immediate acceptance.
Want to earn more points from credit cards? – April 2024 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 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
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.
British Airways American Express Premium Plus
25,000 Avios and the famous annual 2-4-1 voucher Read our full review
American Express Preferred Rewards Gold
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
40,000 bonus points and a huge range of valuable benefits – for a 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:
SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.
British Airways Accelerating Business American Express
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
American Express Business Platinum
40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review
Capital on Tap Business Rewards Visa
Huge 30,000 points bonus until 12th May 2024 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.
Barclaycard Select Cashback Business Credit Card
1% cashback uncapped* on all your business spending (T&C apply) Read our full review
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