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‘Credit Cards’ page updated for February 2016 – what are the best deals this month?

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UPDATE – OCTOBER 2021:  This article is now out of date, but don’t worry.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’s time for our monthly round up of what is coming and what is going in the world of UK airline and hotel credit card sign-up deals.  Our directory of all 25 UK travel credit cards can be found by clicking the ‘Credit Cards’ tab at the top of the site or – for email, Flipboard, Apple News or mobile readers – by clicking here.

What’s new?

Rather worryingly, not much.  The impact of the new EU interchange fee rules appears to have led to the whole industry sitting on their hands whilst they decide how to react.

There are only two key things to be aware of:

The current special offer on the British Airways American Express free card (9,000 Avios instead of 3,000 Avios) and the Premium Plus £150 card (25,000 Avios instead of 18,000 Avios) ends on Wednesday night

The refer-a-friend bonus on the £24 Lloyds Avios Rewards card has been increased from 4,500 Avios to 5,500 Avios each, until the end of March

And that, I’m afraid, is it.

If you didn’t read HfP over the weekend, it is also worth pointing out that:

American Express Platinum has added Hilton Gold, Melia Gold and Shangi-La Golden Circle Jade status to its list of benefits, but is dropping Accor Platinum (click to see the full article)

Here is a summary of what I consider to be the best deals available at the moment.

UK Rewards credit and charge cards

What are the best travel credit card deals at the moment?

If you are looking to apply for a new credit or charge card, here are my top recommendations based on the current sign-up bonus. The BA, Lloyds and Tesco offers are special deals whilst the Amex Gold 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.

American Express Platinum

The sign-up bonus on this card is 30,000 American Express Membership Rewards points.

Your points can be transferred into various airline and hotel programmes.  You could get 30,000 Avios, 30,000 Virgin miles, 60,000 Hilton points, 90,000 Carlson points, 2,000 Eurostar Frequent Traveller points etc etc.

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, Hilton Gold, Melia Gold and Shangri-La Jade – 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 – this also includes details of the additional refer a friend bonus. Amex’s own home page 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 (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.  One benefit of earning American Express points is that you only need to transfer them to an airline or hotel scheme when you are ready to redeem – there is no risk of being caught out by devaluations!

My full review of Amex Gold is here. The Amex home page is here.

British Airways Premium Plus American Express

The sign-up bonus on the fee-paying British Airways card is currently 25,000 Avios until Wednesday 10th February 2016 compared to the usual offer of 19,000 Avios.  The bonus on the free card has been tripled from 3,000 Avios to 9,000 Avios.  Read my review of British Airways Premium Plus here and my review of the free British Airways Amex here to decide which is best for you.  Move quickly if you want to jump on this.

Tesco Clubcard Mastercard

This card is less useful than it was following the halving of the earning rate in December.  However, it remains the most generous non-Amex card unless you meet the strict criteria for HSBC Premier.

Some comparison sites are currently offering a 1,000 point bonus with this card as I wrote here.  My full review of the Tesco Clubcard Mastercard credit card can be found here.  The representative APR is 18.9% variable.

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 is 18.9% variable.

Lloyds Avios Rewards American Express and Mastercard

I have become more keen on this card over the last year.  The Avios devaluation last April increased the value of the upgrade voucher.  With no other cards following its lead of dropping foreign transaction fees, it remains a good choice for spending abroad.  Representative APR 23.7% variable including the £24 fee based on a notional £1200 credit limit.

More importantly, with most Visa and Mastercard cards looking unexciting these days (eg Tesco cutting its earning rate by 50%), the ability to use Mastercard spend on the Lloyds card to count towards your upgrade voucher is valuable.   My full review of the card is here.  Until 31st March, the refer-a-friend bonus is increased from 4,500 Avios to 5,500 Avios for both of you.

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.

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

If you are looking to apply for a new credit or charge card, here are our October 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.

The following offers will end soon:

  • 10,000 Avios on British Airways American Express (ends 2nd November)
  • 40,000 Avios on British Airways American Express Premium Plus (ends 2nd November)
  • 60,000 points on The Platinum Card from American Express (ends 2nd November)
  • 30,000 points on American Express Preferred Rewards Gold (ends 9th November)

Here are the top current deals:

British Airways BA Amex American Express card

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 BA Premium Plus American Express Amex credit card

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

Nectar American Express

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

60,000 points and an unbeatable set of travel benefits – for a fee 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

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

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:

Barclaycard Select Cashback Credit Card

1% cashback and no annual fee Read our full review

Comments (78)

  • Amtexfly says:

    I’m keeping my Amex gold card to get the 10,000 points for spending £10k in a year; if I upgrade to platinum for the 20,000 points I assume I will forfeit the 10,000 bonus?

    • Rob says:


      • Amtexfly says:

        If I were to wait for the renewal to get the 10,000 points and pay the £140 and then upgrade would I pay the full fee of the Amex Platinum or would the £140 be subtracted?

        • TimS says:

          The £140 fee would be refunded pro-rata for the part year used.

          The Platinum fee would then be charged in full for the forthcoming year from the date of upgrade.

    • RTS says:


  • Oleg says:

    I’m thinking about cancelling my Tesco Credit Card because I don’t use it anymore and have switched over to the Hilton hhonors visa card whenever Amex isn’t accepted.

    Is there any worth/benefits in keeping the Tesco card if it’s not being used sitting in a drawer? I would like to have have one less credit card on file in my credit score.

    • Rob says:

      Not really’

    • Genghis says:

      Bear in mind though that it can be worthwhile for your credit score having non-fee credit cards at low/nil balances as it decreased your credit utilisation.

      • Oleg says:

        Yup sure, but its credit limit also contributes to my maximum low-term debt. Just not sure which has more impact on the credit score, credit utilisation or low-term debt amount.

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