UPDATE – OCTOBER 2020: This article is now out of date, but don’t worry.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 Card Offers’ menu above. Thank you.
It is time for our monthly round up of what is new, what is coming and what is going in the world of UK airline and hotel credit card sign-up deals.
Not much, to be honest. I was expecting a burst of activity last week when the ‘return to work’ rush kicked in but, apart from IHG Rewards Club (which is a good deal) and Virgin Atlantic, not much is happening.
There are three offers worth noting:
IHG Rewards Club is offering a TRIPLED bonus on its two hotel cards. The free card gets you 30,000 IHG Rewards Club points, the £99 card brings you 60,000 points. This is an EXCELLENT deal if you are focussed on free hotel nights. This offer runs until March.
The bonus on the free Virgin Atlantic White card is more than tripled from 3,000 miles to 10,000 miles. The bonus on the paid Black card increases from 18,500 miles to 25,000 miles. This offer will run until the end of March.
The higher sign-up bonuses on the British Airways American Express cards continue to run. This offer does not expire until February.
What are the best deals at the moment?
If you are looking to apply for a new card before the year-end, here are my top recommendations based on the current sign-up bonus. The IHG, BA and Virgin offers 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.
The bonus on these cards is tripled until 31st March as long as you apply via special links. The free card gets you 30,000 points which is worth up to six hotel nights during a PointBreaks promotion – or 6,000 airline miles. The £99 card is worth 60,000 points which should get around £300 of free hotel rooms – or 12,000 airline miles. You can find our more in this article from last month.
The representative APR on the free card is 18.9% variable and 42.2% variable on the Premium card, including the fee and assuming a £1200 credit limit.
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.
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.
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.
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 (see here for what 20,000 MR points can get you – 20,000 Avios points for a start!). If you are new to this hobby, I would make this your first American Express card.
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 is 18.9% variable.
Virgin has increased the bonus on its two credit card package. The free White card now offers 10,000 miles (usually 3,000) whilst the Black card offers 25,000 (usually 18,500). I wrote more about this deal in my article on Friday.
The representative APR on the free card is 17.9% variable and on the paid card 52.0% variable including the fee, based on a £1200 credit limit.
Finally, United is currently offering 15,000 MileagePlus miles if you take out its cards. It looks like this offer may now be permanent. You should be aware, though, that whilst the headline number of bonus miles is very generous, you will struggle to do much with them unless you already have a MileagePlus balance or can credit some Star Alliance flights to it.
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% variable.
Bonus 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.
(Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.)