UPDATE – DECEMBER 2020: This article is now out of date, but don’t worry.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 is 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 updated directory of all 23 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. This article is a summary of the recent changes, and will hopefully be a useful starting point for new readers.
What’s changed this month?
The big story was the mainstream launch of the American Express Rewards Credit Card (ARCC).
ARCC is a standard Amex-branded credit card. It has no annual fee and no substantial benefits, except for the ability to collect Membership Rewards points at 1 point per £1 spent.
There are three versions of the card available:
The first two cards require a £500 (5,000 points version) or £1,000 (10,000 points version) spend within three months to trigger the bonus. You won’t get a bonus if you’ve had a Gold, Green or Platinum Amex in the last six months.
There are two reasons why you should consider getting an ARCC card:
As I wrote in this article, it is your solution if you are planning on cancelling a Gold or Platinum Amex to avoid the annual fee, but do not want to cash in your Membership Rewards points just yet. The free ARCC card keeps your Membership Rewards points alive.
As I wrote in this article, the ARCC card is BETTER than the free British Airways Amex card if you don’t plan on spending £20,000 to trigger the 2-4-1 voucher.
The usual ‘back to school / work’ rush of new offers failed to appear this year. It seems that MBNA is sitting on its hands – there are rumours that its Amex licence ends in February and of course it appears to be losing the Virgin cards to Virgin Money – and they are the main drivers of special offers.
British Airways is still running an improved sign-up bonus on its two British Airways American Express cards. No closing date has been given for this deal.
There is a slight tweak this time. The Premium Plus card is back to 25,000 Avios for signing up. The free BA Amex, however, is only up to 5,000 Avios from the usual 3,000 Avios – this is usually increased to 9,000 Avios.
I would guess that Amex is trying to encourage more people to take the Premium Plus card by widening the gap in the sign-up bonus. Frankly, you shouldn’t get the free BA Amex if you are planning to earn the 2-4-1 Avios flight voucher – this article explains why.
Want to earn more points from credit cards? – December 2020 update
If you are looking to apply for a new credit or charge card, here are our December 2020 recommendations based on the current sign-up bonus.
British Airways American Express
5,000 Avios for signing up, no annual and a companion voucher for spending £20,000 Read our full review
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
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
The Platinum Card from American Express
30,000 points and an unbeatable set of travel benefits – for a fee Read our full review
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
20,000 points sign-up bonus and free for a year Read our full review
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
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.