A lot of posts on Head for Points are dedicated to collecting miles and points from credit card sign-up bonuses. And there is a good reason for this – credit card sign-up deals are by far the easiest way to accumulate a large number of points quickly.
Your credit record is very important, and it is well worth taking a look at it every so often to ensure that it is up to date. You want to ensure, for example, that no erroneous information is listed against your name, in terms of missed payments or cards you have. It also enables you to watch out for any attempts at ID theft.
You have always been able to order a copy of your credit record by post from Experian for a small fee.
A website called Noddle (www.noddle.co.uk), though, takes this one step further in two ways:
- You can view your credit report immediately, online
- There is no fee whatsoever, ever
Noddle will automatically update your data as long as you log-in to the site once every three months
I have using Noddle since I first mentioned it on HfP 18 months ago. It is far better than the ‘one month free trial’ offered by Experian on their comparable offering.
If you are churning credit cards to build up your miles, it is worth taking a look at Noddle and see what data the banks already hold on you. (You need to be on a UK computer for it to work, note.) You’ve nothing to lose and you may be surprised by what you find.
How to earn Avios from UK credit cards (September 2023)
As a reminder, there are various ways of earning Avios points from UK credit cards. Many cards also have generous 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:
There are two official British Airways American Express cards with attractive sign-up bonuses:
You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.
Run your own business?
We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.
You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.
EDIT: Applications for this card are temporarily suspended due to IT issues with the British Airways On Business SME loyalty scheme.
There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.
Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.