The credit card coverage on Head for Points is focussed almost entirely on the ability to earn miles and points. I do not focus on interest rates or, in the main, quality of customer service.
That said, it is worth highlighting a (new?) variant of the Tesco Clubcard Mastercard that has popped up on their website.
The representative APR on the Tesco Clubcard card is 18.9% variable.
If you scroll down to the 3rd card variant on that page, you will see that Tesco is offering balance transfers from existing credit cards with NO FEE. The transferred balance will then incur 0% interest for the first 10 months.
To be honest, if you run a balance on your credit cards then you should be focussing on obtaining a low interest rate and NOT taking out additional cards to take advantage of sign-up offers.
This is not a bad deal, though, for people who do have a balance. You do not earn any Clubcard points (so no Avios) on the balance you transfer however.
Going forward, the Tesco credit card earns 1 Clubcard point (2.4 Avios, 2.5 Virgin Flying Club miles) for every £4 you spend. This is calculated on a ‘per transaction’ basis so a spend of £6 only earns 1 point. Unless you meet the strict criteria for the HSBC Premier credit card, the Tesco card is highest earning Visa or Mastercard for Avios points.
There is no sign-up bonus for opening a Tesco Clubcard Mastercard. However, once it arrives, you can claim 1,000 Clubcard points (2,400 Avios points) via their refer-a-friend scheme. Send me an email at rob at headforpoints.com when you get your card and I will send you the refer-a-friend form.
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 expire on 2nd November 2021:
- 10,000 Avios on British Airways American Express
- 40,000 Avios on British Airways American Express Premium Plus
- 60,000 points on The Platinum Card from American Express
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 – 20,000 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
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: