Maximise your Avios, air miles and hotel points

Five Avios credit card sign-up bonuses you can get which will arrive by April 28th

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The last day to book Avios redemption tickets before the massive devaluation kicks in is April 28th.  Whilst that is still 11 weeks away, you may already be too late if you need to top up your account before you can book.

The next Tesco conversion date, for example, will not be until late April or early May.  There is no guarantee that you will have your vouchers by April 25th which is probably the last realistic day to convert.

You PROBABLY still have time to pick up a large amount of Avios points from a credit card or charge card sign-up bonusThe key issue is whether you can hit the target spend in time.

Here are five options:

BA Amex - NEW

British Airways American Express card  (no fee)

Here is my full review – please read it before applying.  The bonus is 9,000 Avios points if you apply before February 11th or 3,000 points afterwards.

The bonus points will show on your Amex statement about 3 days after you pass £1,000 of spending.  However, they will NOT go over to your British Airways Executive Club account until six days before your next statement date.  At worst, this could mean a three week delay from when they show as available online.

You would therefore need to hit the target spend within, lets say, six weeks of getting the card to ensure that the Avios points are transferred over with your second statement.  Your third statement would be too late.

The representative APR is 15.9% variable.

BA Premium Plus Amex

British Airways American Express Premium Plus card (£150 fee)

Here is my full review – please read it before applying.  The bonus is 25,000 Avios points if you apply before February 11th or 18,000 points afterwards.

The bonus points will show on your Amex statement about 3 days after you pass £3,000 of spending.  However, they will NOT go over to your British Airways Executive Club account until six days before your next statement date.  At worst, this could mean a three week delay from when they show as available online.

You would therefore need to hit the target spend within, lets say, six weeks of getting the card to ensure that the Avios points are transferred over with your second statement.  Your third statement would be too late.

The representative APR is 56.4% variable including the annual fee based on a notional £1200 credit limit.

Amex Gold 350

American Express Preferred Rewards Gold charge card (no fee for first year)

Here is my full review – please read it before applying.  The bonus is 20,000 American Express Membership Rewards points which, when transferred to BA, becomes 20,000 Avios.

The bonus points will show on your Amex statement about 3 days after you pass £2,000 of spending.  As soon as they are showing you can transfer them.  This gives you a little more flexibility than the British Airways cards – as long as you pass the spending target by, say, April 15th you should have the Avios in your BA account by April 28th.

Amex Platinum

American Express Platinum charge card (£450 fee)

Here is my full review – please read it before applying.  The bonus is 30,000 American Express Membership Rewards points which, when transferred to BA, becomes 30,000 Avios.

The bonus points will show on your Amex statement about 3 days after you pass £2,000 of spending.  As soon as they are showing you can transfer them.  This gives you a little more flexibility than the British Airways cards – as long as you pass the spending target by, say, April 15th you should have the Avios in your BA account by April 28th.

SPG Amex

Starwood Preferred Guest American Express card (£75 fee)

Here is my full review – please read it before applying.  The bonus is 10,000 Starwood Preferred Guest points which, when transferred to BA, becomes 10,000 Avios.

The bonus points will show on your Amex statement about 3 days after you pass £1,000 of spending.  However, they will NOT go over to your Starwood Preferred Guest account until six days before your next statement date.  At worst, this could mean a three week delay from when they show as available online.  Once in your Starwood account, you need to do another transfer to get them across to British Airways Executive Club which could take another week.

You would therefore need to hit the target spend within, lets say, six weeks of getting the card to ensure that the Avios points are transferred over with your second statement.  Your third statement would be too late.  For safety, because you cannot be sure how quickly Starwood will move the points to BA, you really want to hit the £1,000 target with your first statement.

The representative APR is 39.7% variable including the annual fee based on a notional £1200 credit limit.

Lloyds Avios Rewards 2

Lloyds Avios Rewards cards (£24 fee)

Here is my full review – please read it before applying.  There is NO sign-up bonus.  However, if you are referred by a friend then you will receive 4,500 Avios points when your application is accepted.  Email me at raffles [at] headforpoints.co.uk if you need a referral.

The 4,500 bonus points arrive very quickly so you should have no problem receiving them in time to book.  Remember that this card earns points in avios.com, not British Airways Executive Club, so you will need to have an avios.com account number available when you apply.

The representative APR is 23.7% variable including the annual fee based on a notional £1200 credit limit.

Other cards

There are some other credit cards available which offer a sign-up bonus which converts into Avios points.  These include the IHG Rewards Club Visa, IHG Rewards Club Premium Visa and the Marriott Rewards MasterCard.

Unfortunately, the operators of these cards are not as efficient as American Express and there is no guarantee – in fact, I would bet against it – that the points will arrive in time.  Even if the credit card company sent them to IHG or Marriott, transfers out of those two schemes into airlines can be slow.

There is also a bonus of 1,000 Clubcard points available if you are referred by a friend for the Tesco MasterCard.  (This can also be backdated – if you have taken out the card in the last two months, email me at rob [at] headforpoints.com and I will send you the form.)  However, the next batch of Tesco vouchers are unlikely to arrive before April 28th.


Want to earn more points from credit cards? – January 2021 update

If you are looking to apply for a new credit or charge card, here are our January 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

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

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 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:

American Express Business Gold card

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

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 card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending 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

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.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (62)

  • mark2 says:

    I have discovered another benefit of Lloyds Reward Avios cards.
    Lloyds have started a copy of the Amex cash back scheme for debit and credit cards and this card participates (possibly other Lloyds credit cards too).
    5% back at Waitrose has just finished and 10% back at Morrisons (max £10) runs until first few days of March. I bought £100 of gift cards yesterday.

    • YL says:

      Their website seemes to suggest that these offers are for Debit and Creidt card cutomers. but have never see this offer on my credit card account.
      Are you also a Lloyds current account customer? I wonder if this offer is only available for Lloyds credit card holder who also has a current account with them.
      Thanks.