What are the best credit card deals for November 2014?

UPDATE – MARCH 2025:  This article is now out of date, but don’t worry.  We produce a monthly directory of the top UK travel credit card offers – please click HERE or use the ‘Credit Cards’ menu above.  Thank you.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

Keep up to date with the latest UK credit card bonuses by signing up for our free daily or weekly newsletters.

I usually run an article at the beginning of the month focussing on the top credit card deals currently available.  With new offers appearing every couple of days in early November, I felt it best to hold off for a couple of weeks this time.

The market has now settled down so we can get a good look at the current situation.

What’s new?

There were three long-term developments over the last month which are worth noting if you missed my original articles.

The good news is that the IHG Rewards Club Premium Visa is now available again.  Whilst there is a £99 fee, you will receive top-tier Platinum status in IHG Rewards Club, valid at Holiday Inn, Holiday Inn Express, Crowne Plaza, Indigo and InterContinental hotels.  There is also a 20,000 point bonus for signing up.

The bad news is that the Flybe card has been sharply devalued.  With Flybe scrapping its frequent flyer scheme and issuing Avios points instead, it has been forced to invent a special scheme – Spend & Fly – just for its credit card customers.  As you can no longer top up your points by flying on Flybe this now looks even more unattractive than it did.

Lloyds has launched a refer-a-friend bonus on its Lloyds Avios Rewards card.  My article includes a list of HfP readers who can refer you.

What are the best deals at the moment?

If you are looking to apply for a new card today, here are my top recommendations based on the sign-up bonus. The BA, Emirates, American, United, Lufthansa, Etihad and Virgin cards are special deals whilst Amex Gold, Amex Platinum and Hilton cards are consistently strong offers.

These deals are listed in no particular order and their position on the list is not a sign of how good or bad the offer is.

British Airways American Express

The sign-up bonus on this free card is increased from 3,000 Avios to 9,000 Avios until 11th February. Full details are in my review of the British Airways Amex card here. The Amex home page for the card is here.

Representative APR 15.9% variable.

HSBC Premier Mastercard

This is the highest earning Visa or MasterCard you can get if you want to earn Avios points, at 1 per £1 spent.  HSBC has tough application criteria as you can read in my review.

Until November 30th, you will receive 2,500 HSBC points – equivalent to 12,500 Avios, Asia Miles, Krisflyer or Etihad Guest miles – for taking out the card.

There is no annual fee.  The representative APR is 11.9% variable.  You can apply here.

Emirates Skywards 

The sign-up bonus on the free Emirates credit card is currently increased from 5,000 to 12,000 Skywards miles. Full details are in my review here. Representative APR 17.9% variable.

If you are happy to pay a fee, the bonus on the Emirates Elite card has also been improved, from 10,000 to 25,000 Skywards miles. If you are an existing Skywards collector – because you need a lot of Emirates miles for a decent reward, more than you can get from a credit card alone – then this is something to consider seriously.

My full review of the Elite card is here. Representative APR 55.1% variable including the annual fee, based on a £1200 credit limit.  Both offers run until November 30th.

American Airlines American Express & Visa

The sign-up bonus on the American Airlines cards (a double pack of an American Express and a Visa) has been increased from 5,000 miles to 15,000 miles until November 28th.

You need to spend £1,500 within 90 days to receive the bonus.  My full review of the American Airlines card is here.  You can apply here.

There is no annual fee.  The representative APR is 17.9%.

American Express Platinum

The card offers 30,000 Membership Rewards points, worth 30,000 Avios amongst other things.

You receive a pro-rata refund on the £450 fee when you cancel the card and you will retain most of the benefits – Starwood Gold, Carlson Gold, Accor Platinum – for the rest of the year even after you cancel. The Amex Platinum benefits package is extensive, though, and once you’ve got it you might find the numbers add up for you. I have had one for 15 years.

My full review of the Amex Platinum card is here. Amex’s own home page is here.

British Airways Premium Plus American Express

The sign-up bonus on this card is increased from 18,000 Avios to 25,000 Avios until 11th February. Full details are in my review of the BA Premium Plus Amex here. The Amex home page for the card is here.

American Express Preferred Rewards Gold

This is currently an outstanding deal which is showing no signs of going away. You pay no fee for the first year and earn 20,000 Membership Rewards points. If you are new to this hobby, I would make this your first American Express card.

My full review of the American Express Preferred Rewards Gold card is here. The Amex home page is here.

Etihad Guest American Express & Visa

This is a very aggressive offer.  Etihad is currently offering 20,000 miles (the usual offer is 5,000 miles) if you take out its free credit card before November 30th.

The spending target may seem tough at £4,000 but you do have a whole six months to achieve it.  Spending on both the American Express and Visa cards counts as you receive a double pack.

The representative APR is 18.9%.  My review of the Etihad credit card is here.  The application page is here.

Hilton HHonors Platinum Visa

You receive a free night in any Hilton Group property for spending £750 on this card. That could be worth £250 if spent wisely at a Conrad or Waldorf-Astoria branded property. My full review of the UK Hilton credit card is here. The home page is here.

This remains my favourite promotion for someone new to this hobby. The card is free, you only need to spend a modest amount to trigger the bonus, and you can enjoy a free night in a luxury hotel afterwards (if you pick a decent one!). It will whet your appetite for what miles and points can bring you.  The representative APR 18.9% variable.

Lufthansa Miles & More American Express & Visa

These cards are free and come with the additional benefit of stopping your existing Miles & More miles from expiring.

The terrible standard bonus of 1,500 miles is increased to 11,500 miles until December 22nd.  You need to spend a modest £2,000 within 90 days.

You can find out more in my review of the Miles & More cards.  The representative APR is 16.9%.  The application form is here.

United Airlines MileagePlus American Express & Visa

Finally, United is currently offering 15,000 MileagePlus miles if you take out its cards.  The usual sign-up bonus is nothing!

The cards are free and the offer runs until 30th November.  You need to spend £1,800 within 90 days.  My review of the United MileagePlus credit cards is here.  The representative APR is 18.9%.

Bonuses on small business cards

Head for Points focusses primarily on personal cards. However, if you are a sole trader or run a very small business, you may also want to check out the American Express Platinum Business Card and the American Express Gold Business Card. There is currently a 20,000 points (= 20,000 Avios) bonus on the Gold Business card and a 40,000 points (40,000 Avios) bonus on the Platinum Business card.

In my experience people still receive the sign-up bonus on the small business cards even if they already have a personal Gold or Platinum card. This is technically not what the rules say, however, and you should bear this in mind.

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Want to earn more points from credit cards? – March 2025 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

Get 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.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large 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 8th April 2025, the sign-up bonus on American Express Business Platinum is increased from 50,000 Membership Rewards points to 120,000 points. You receive 80,000 points when you spend £12,000 within three months and a further 40,000 points if you spend on the card between Month 14 and Month 17. Points convert 1:1 into Avios and many other programmes. Click here to apply.

SPECIAL OFFER: Until 8th April 2025, the sign-up bonus on American Express Business Gold is increased from 20,000 Membership Rewards points to 60,000 points. You receive 40,000 points when you spend £6,000 within three months and a further 20,000 points if you spend on the card between Month 14 and Month 17. Points convert 1:1 into Avios and many other programmes. Click here to apply.

American Express Business Platinum

Up to 120,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

Up to 60,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review