All MBNA airline credit cards withdrawn – what are your alternatives?

Last week I ran this article suggesting that you should act immediately if you wanted to apply for any of the MBNA airline credit cards.

It was good advice.

All eight MBNA airline credit cards were pulled on Monday evening.  Slightly surprisingly, this included the new American Airlines card which is only a few months old and which did not have an American Express element.

These are the cards you can no longer get:

Lufthansa Miles & More

Emirates Skywards

Emirates Skywards Elite

Virgin Flying Club White

Virgin Flying Club Black

Etihad Guest

United Airlines MileagePlus

American Airlines AAdvantage

You should NOT assume that these cards will return under a new issuer.

We know that the two Virgin Atlantic cards will return shortly under the Virgin Money banner.  However, I know from some discussions I have had that you should not necessarily expect the other cards to return.  If you think that they are all primed to relaunch next week, you are very wrong.

Two linked events caused this.  The core driver was the European Union cap on interchange fees.  This restricted the fee that payment processors could charge retailers for accepting credit cards to 0.3%.   It is very difficult to run a successful mileage card on this basis.

The second driver was American Express being caught up in the 0.3% cap, even though it was originally expected to be exempt.  American Express decided to pull all of its licensed cards from the market, which means that MBNA, Lloyds, TSB and Barclays had to stop issuing Amex-branded products. 

I am a little surprised that the American Airlines card was pulled.  This had already been relaunched without an American Express element.  It combined a chunky fee (£70) with a very high earning rate (1.25 miles per £1 on a Visa).  I thought this might prove sustainable but MBNA clearly had other ideas.

So, overnight, one third of the UK airline and hotel credit and charge card market disappeared.

What are my alternatives?

If you currently hold these cards (I have the Lufthansa ones, my wife has the Virgin ones) they will continue to operate for a while.  Whether that is weeks, months or years I don’t know.

If you had been planning to get one of these cards but never got around to it, here are your options:

Lufthansa Miles & More / American Airlines AAdvantage

American Express Preferred Rewards Gold or American Express Platinum (points convert 2:1 into Starwood Preferred Guest, then 1:1 – or 1:1.25 for larger amounts – into Miles & More or AAdvantage)

or

Starwood Preferred Guest American Express (best choice – points convert 1:1 into Miles & More or AAdvantage, or 1:1.25 for larger amounts)

The only half-decent Visa / MasterCard option is via the IHG Rewards Club Mastercard (0.2 miles per £1, assuming you convert 10,000 IHG points into 2,000 airline miles) or, with the £99 IHG Rewards Club Premium Mastercard, 0.4 miles per £1.

Emirates Skywards

American Express Preferred Rewards Gold or American Express Platinum (points convert 1:1 into Emirates Skywards)

or

Starwood Preferred Guest American Express (points convert 1:1 into Emirates Skywards, or 1:1.25 for larger amounts)

The only half-decent Visa / Mastercard option is via the IHG Rewards Club Mastercard (0.2 miles per £1, assuming you convert 10,000 IHG points into 2,000 airline miles) or, with the £99 IHG Rewards Club Premium Mastercard, 0.4 miles per £1.

Etihad Guest

You can use the Amex Gold, Platinum or Starwood Amex options as per Emirates

or

HSBC Premier Mastercard (0.5 miles per £1) or HSBC Premier World Elite Mastercard (1 mile per £1) – these cards are only available to HSBC Premier current account holders

You can also use the IHG option for a Visa / MasterCard (0.2 or 0.4 miles per £1).

Virgin Flying Club

You can use the Amex Gold, Platinum or Starwood Amex options above as per Emirates

or

Tesco Clubcard Mastercard (0.31 miles per £1) or Tesco Premium Mastercard (0.62 miles per £1)

or

you can also use the IHG option for a Visa / Mastercard outlined above (0.2 or 0.4 miles per £1)

or

wait for new Virgin Money-issued Virgin Flying Club credit cards

United Airlines MileagePlus

You can use the Amex Gold, Platinum or Starwood Amex options above as per Lufthansa / American.  However, because Starwood has a poor transfer rate to United, you should move your Starwood points across to Marriott Rewards and convert from there.  The exact rate will depend on the amount you transfer.

You can also use the IHG option for a Visa / Mastercard (0.2 or 0.4 miles per £1).

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Want to earn more points from credit cards? – July 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 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:

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £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: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.

SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.

American Express Preferred Rewards Gold Credit Card

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus Card

30,000 Avios and the famous annual Companion Voucher voucher Read our full review

The Platinum Card from American Express

50,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points 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:

The American Express Business Platinum Card

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card

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

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

British Airways American Express Accelerating Business Card

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review