Maximise your Avios, air miles and hotel points

The Post Office is now accepting American Express

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In one swoop, the Post Office has become the largest retail network in the UK to accept American Express cards.  As of last week, all 11,500 Post Office branches in the UK are accepting Amex for transactions for which they would previously have accepted a Mastercard or Visa.

At present, this only applies to transactions which you complete at a counter.  Self-service stamp printing machines will accept Amex from the end of the year but will take some time to convert them all.  It is also not yet possible to use American Express for online Post Office purchases.

To quote from the press release:

“We want to make it as easy as possible to access our services through longer opening hours and by offering the widest range of payment options. We have the largest presence of any retailer in the UK, and this move will help the 17 million customers who visit us each week. Accepting American Express Cards at all of our branches allows us to open the door to more customers giving them flexibility and choice when it comes to paying for goods or services.”

What is not clear is exactly what transactions can be done with a credit card at a Post Office.  It is obviously OK when buying stamps or stationery.  I assume that the One4All gift cards which you can buy at a Post Office are also included although these can be tricky to use.  It is no longer possible to buy a TV Licence at a Post Office so that knocks out one potential option.

My initial view is that this is less exciting than it first appears, but you never know.

Want to earn more points from credit cards? – June 2022 update

If you are looking to apply for a new credit or charge 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.

Until 18th July 2022 there is an astonishing special offer on these cards. You get 50,000 Avios on the Avios Plus Mastercard and 10,000 Avios on the free Avios Mastercard. You can apply here. We strongly recommend getting the Avios Plus card whilst this offer is running.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

50,000 Avios for signing up (A CRAZY SPECIAL OFFER!) and an upgrade voucher for spending ….. Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

10,000 Avios for signing up (SPECIAL OFFER) and an upgrade voucher for spending £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: The sign-up bonus on Amex Gold is increased from 20,000 Membership Rewards points to 30,000 Membership Rewards points until 19th July 2022. This card is free for the first year.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

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

American Express Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 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 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:

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

American Express Business Gold

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

British Airways Accelerating Business American Express card

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

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa 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.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

Comments (99)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • amex? says:

    I guess there are a few of us asking ourselves some obvious questions.

    1. Just because I can get an easy (@2-4-£1) +/-4000 MR points on my CT bill, is that good enough? I used to get far more with 3Vs.

    2. Is around the corner? My CT was one of the easiest ways to get a great effective discount last time round. Now I’m no longer a cat, I’m a dog & I think big.

    3. What about other tricky bills such as SKY? Most of the utilities will take PayPoint/ Amex, but there are a few tricky ones. Worth hanging on for ? Better than an easy 1-4-£1 on Visa?

    4. And in the meantime, if I were prepared for the pain in the butt nature of £3.95 for the £50 Visa cards, is that better in Avios terms than going lazy (as per the PayPoint route)?

    • Polly says:

      Actually we are all trying different ways of continuing to maximise our avios earnings until is up and running. So as we can all help each other greatly on this site, let’s just live with it until a better earning route appears. Let’s hope soon! So any route is better than none. Just don’t allow a direct debit to go out. Most bills can be paid with visa or MasterCard, but a lot will take amex. Those paid for Visa cards are quite useful for those not taking amex, and saves a car trip to a co op if ness. I am just paying all our bills now monthly until we see what happens. Your EDF plan is useful too, we have be fitted from that also. Very easy to load up with pre pay there. Basically avios for nothing.

      Also we have the fab ex EU Qatar sale to keep us booking in the meantime. Def better than BA at the moment, so worth a look.

  • amex? says:

    There’s also this route to a few more Avios/MRs on your energy bill, eg from EDF:

    ‘My energy account balance is in credit. Can I get a refund?

    If you think you’ve paid too much

    If you think you’ve made an overpayment, or that we’re charging you too much, please get in touch as soon as possible so we can refund any money we may owe you. Claim your credit and find out more here.

    To see if you’ve made an overpayment, check your most recent bill. If the reading we have given is more than the reading on your meter you could be owed a refund. Let us know as soon as possible by: [ETC]’

    They can’t refund via PayPoint, can they? So you’d keep the Amex points and just ask for the credit to a debit card.

  • amex? says:

    I did actually manage to buy 4 x £50 Visas @ T for £3.95 each fee and stick it all into SKY.

    Surprisingly easy, first time I did it as it happens. Faster than 3Vs. I averaged 1 minute each, including activating and paying into SKY ac. Setting up the ac must have taken a further couple of mins.

    Did the math & I made it that I was buying Avios for 0.85p each, given T points & Amex MRs, not too bad but not really worth the candle either.

    • amex? says:

      Still, that does give me a BA flight to Europe 2 for £63.75 plus RFS fee.

      Luggage/ snack/ beer/ Heathrow.

      Superior service lol

      • amex? says:

        So let’s do the comp:

        £200 into SKY via £3.95 Visas = 1840 Avios, costing 0.85p each. Flight is nearer.


        £200 into CT via Amex/ PayPoint = 400 Avios, costing 0. You’ll have to wait for that flight.

      • amex? says:

        We could try and put a value on the extras, not that I ever pay for them on EJ or RA.

        Luggage = say £20
        Snack = £3
        Beer x 3 = £12
        Heathrow – convenience = 0, nice though it is.

        So maybe we could discount that BA flight by £35, not that I’d pay the cheapo [email protected] for those things, anyway.

  • amex? says:

    Heh heh! In a way I got my sadly missed mojo back.

    About 5000 MR points in a few days just by paying my council tax, SKY and water bills.

    Better to get points instead of nothing, I reckon.

    Paypoint + Amex is the way to go.

    • mark2 says:

      I found a couple of old 3V cards the other day and was dismayed to find that I could not use them to pay my Council Tax. On investigation I found that it was who blocked them. Am email elicited the information that ‘government financial transactions’ were not allowed.

      • Fenny says:

        I paid several 3V cards into my CT account last April/May. Later in the year, they were blocked and the council said it wasn’t a change on their side.

  • amex? says:

    Paid my TalkTalk bill today – this is fortunately one bill you can pay with Amex directly & no fee.

    You get a 10% discount if you pay within 24hrs of getting the emailed bill.


    So even though the DD is otherwise due in a few days, you can save 10% just by watching out for the email and paying those few days early.

    If you’re later than 24hrs, you lost your opportunity.

    Not sure what the point of this is, as the cashflow advantage to TT is minimal and indeed they probably lost significantly more in 10% discount & Amex charges than waiting for my DD (ie BACS payment).

    They are probably trying to find a way to say they can be cheaper than (say) BT.

    All crazy good fun once a month and since they also give me unlimited free international calls, can’t say I’m complaining too much about this 24hrs-only 10% saving ‘window’ opportunity/ lottery!

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