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Bits: Which? magazine writes about HfP readers, the BA Amex Premium card lives

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News in brief:

Which? covers the end of Royal Mint commemorative coin purchases

In the past I have written about Royal Mint offers where you could buy commemorative coins at face value – using a miles earning credit card – and then pay them into your bank account.

I was always cautious of such deals because it was often tricky to find backs that would accept them.  Eventually the Royal Mint intervened and told banks to stop taking them.

The story was picked up in Which? magazine this month:

Which? magazine commemorative coins

Is Amex still issuing the BA Amex Premium card to new customers?

If you can remember the peak days of Busted, McFly and Natasha Bedingfield, you might also remember the grey-coloured British Airways American Express Premium card. 

It offered 1.25 Avios per £1 (half way between the free and Premium Plus cards) and required £15,000 of spend (half way between etc) for a 2-4-1 companion voucher with an 18 month validity (half way between etc).

It was only half way successful and was quickly withdrawn by American Express.

However, this comment was posted at Flyertalk this week.  A Premium Plus cardholder who wanted to downgrade – presumably after triggering his voucher – was offered this card as an alternative to the free one.

I doubt this was a random agent who had decided off their own back to relaunch a card last seen when they were still at primary school, so it is possible we may see more efforts by Amex to bring it back.  I know that Amex has continued to re-issue new BA Premium Amex cards on expiry to the few people who still have one. 


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

If you are looking to apply for a new credit or charge card, here are our August 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. Here are the other top current deals:

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 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

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

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 (66)

  • Danksy says:

    I downgraded last week and wasn’t offered this card!

  • jovanna says:

    I saw an advert on the TV last week for one of those commemorative £5 coins. The advertisement said it was legal tender in Jersey. I wonder if that’s true and if so, why?

  • Mike says:

    From what I remember, legal tender means that the instrument in question must be accepted as settlement for a debt.

    Is there a loophole here if anyone does some of these coins lying around (such as paying off a credit card bill)

    • harry says:

      court debt

    • TimS says:

      As harry says, legal tender is a legal definition that means that settlement of court debts cannot be refused if paid in legal tender. For example the court cannot refuse to accept payment of £1 in pennies, but could refuse £1.01 in pennies as 1p coins are legal tender up to the value of £1

  • Cheshire Pete says:

    I also downgraded 2 weeks ago, and it wasn’t offered either.

    • Grimz says:

      When you downgraded did you not have to apply for the free card via the website? I got told to do this!

      • Cheshire Pete says:

        No they sent out new Blue Ones which is actually a nice change from the Graphite one! My account changed overnight and my old card still worked until delivery. All very painless really nothing to fill in just a call to CS.

        • Mud Island Mlungu says:

          Do you just upgrade again at the end of your year?

  • Genghis says:

    If the BAP card is ‘half way’, does that mean it’s now priced at around £100? If so, could be a good alternative; Losing the extra 2,500 avios from spending £10k on BAPP and the inconvenience of spending £15k v £10k may be worth £95.

  • Rich says:

    O/T question for the collected wisdom… I have the Priority Pass membership from a now cancelled Platinum Amex. After cancelling I’ve heard nothing at all from Priority Pass. Any ideas what might happen if I try to use it to get into the Aspire lounge at T5 next week? Cheers all.

    • Genghis says:

      Won’t work

      • Raffles says:

        Card is refused when there is no credit card backing it up – which there isn’t now.

    • jovanna says:

      I used my PP twice after the AMEX was cancelled. These were a good few months later.

    • xcalx says:

      Try it, but be prepared to pay if rejected. One son used his a couple of times a year for 2 years with no problems another son got rejected on first visit and didn’t try again.

    • Rich says:

      Thanks everyone! We’ll probably give it a go and see what happens…

  • J says:

    Silver BA Amex card. I still have this card and I pay £75 a year annual fee. I was told that the 2-4-1 voucher had an expiry date of 12 months. This is my main credit card and I use it all the time. I don’t see any reason why I should get rid of it?

    • Genghis says:

      Thanks J. So the fee has not gone up in line with the BAPP? Makes my argument above even stronger

  • John says:

    Which? is often clueless, like in the accompanying image to this article which shows commemerative £2 and 50p, which are in general circulation. It is the commemerative £20, £50 and £100 which aren’t accepted (25p and £5 should still be accepted).

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