What are the best credit card deals for February 2018?

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• JamesB says:

  6 Feb6 February 06:30

  When referring from an amex card can you get the bonus multiple times for referring the same person for different cards or do you only get one bonus for each individual referred? I am sure it was the former as couples typically churned multiple cards but I would just like to confirm that this has not changed since amex introduced the ability to refer across card families recently.

  • Chris says:

    6 Feb6 February 06:40

    Worked towards the end of last year for me

  • Claire says:

    6 Feb6 February 07:18

    My husband and I have referred each other a couple of times and both received the extra points – this was last year and as recent as last month. Hope that helps 🙂

  • JamesB says:

    6 Feb6 February 07:52

    Thanks Chris and Claire, Seems like it is working as always.

• Polly says:

  6 Feb6 February 07:18

  Each teferral is classed clearly as an independent application. But it can be difficult to do multiples to the one person as you mention. That could affect credit rating if needing a mortgage application e.g.. in the following few months.

  • JamesB says:

    6 Feb6 February 07:56

    I always space them out Polly to be on the safe side but I’ve given up trying to understand my credit score. I have seen it rise when I expected it to fall and vice versa. I’m fortunate not to have mortgages to worry about.

    • Polly says:

      6 Feb6 February 13:23

      We do too..generally hold cards for 8-10 mths..but usually always working towards one bonus or another. In rainy/sunny balmy Bali now on our 241 to kul. V nice. Drop in tourist nos. All v welcoming tho. Just earned our new 241 for next years booking.

      Strange our credit rate stays the same. Guess they look at your payment record etc and seem happy with it.

      • Tom Cook says:

        6 Feb6 February 16:55

        Enjoy, Polly!

        I have to say that after starting this game a year ago and having opened new cards (had one knock back from SPG which has subsequently been rectified) my credit score has only dipped once from 999 to 979, and is now back up to 999. As I need to renew my mortgage in August I might ease off and drop a card just to be on the safe side.

    • S says:

      7 Feb7 February 16:19

      There is no generic credit score in the UK, the number that Experian (or Callcredit or whatever) gives you is completely meaningless.

• Volker says:

  6 Feb6 February 07:21

  Do the hotel status benefits (e. g. Hilton Gold) which come with the Amex Platinum card only apply to the main card holder?

  • Rob says:

    6 Feb6 February 07:31

    No, your first supplementary cardholder gets them too. Someone told me that Amex had cunningly changed the online form to imply this was not the case, but it is.

• JamesB says:

  6 Feb6 February 08:01

  I’m currently following the same stategy as you reported yesterday Mark but just at gold at moment. Do we need to cancel the gold credit card before the platinum upgrade, does it become a platinum credit card if we don’t?

  • mark2 says:

    6 Feb6 February 08:40

    I have not done it yet, but I would always cancel the Gold credit before upgrading (move points first).

    • Louie says:

      6 Feb6 February 10:15

      I didn’t know about this so many thanks for the links which I have now bookmarked. That’s two thanks in two days Mark, much appreciated 🙂

  • Alan says:

    6 Feb6 February 08:41

    I believe that as soon as you request the upgrade your card becomes a “Platinum” card (although it will still be gold in colour) giving you all the Platinum benefits. No need to cancel Gold

    • JamesB says:

      6 Feb6 February 08:51

      Thanks Mark/Alan. I’ll work through step by step. Even if they change application bonuses then hopefully ugrqde bonuses will be unaffected.

    • mark2 says:

      6 Feb6 February 11:54

      That is true, for the charge card. But JamesB was talking about the Gold credit card. If that upgrades automatically then you will lose the 5,000 points for applying for Plat credit.

  • johnny_c-l says:

    6 Feb6 February 09:12

    The Gold credit card will remain the same, only your charge card will change to Plat on upgrading. This can be quite useful as you still have access to the Gold-specific offers like £50 off £200 Amex travel plus whatever they offer on the Plat charge.

    • Jeremy says:

      6 Feb6 February 09:24

      Presumably you can’t then take out the Platinum Companion Credit Card while you still have the Gold one?

    • MrZee says:

      6 Feb6 February 12:40

      Above is brilliant thanks all. I cant find Marks comments from yesterday re amex strategy. Can someone please send a link/copy and paste?

    • johnny_c-l says:

      6 Feb6 February 19:08

      Jeremy, yes you can hold both.

• Jon says:

  6 Feb6 February 08:04

  Have the same question – my wife had the BAPP card and I want her to refer me for the Gold card. Will she get the 9000 MR points in this example? I thought it used to be that you had to refer for the same card eg Gold refer Gold, BAPP refer BAPP to trigger the referral bonus.

  • JamesB says:

    6 Feb6 February 08:12

    Yes, you will. Yes, same card family referals used to be the rule but for the moment at least, cross family referrals are possible.

    • Jon says:

      6 Feb6 February 08:31

      Great, thank you!

  • Alan says:

    6 Feb6 February 08:37

    No, that isn’t my understanding.

    Your wife will get whatever the referral reward is from the BAPP card (presumably, a number of Avios). She will not get the 9000 MR points. It is the card you are referring from that dictates the referrer’s reward.

    You should still get the 22,000 MR points though.

    • mark2 says:

      6 Feb6 February 08:43

      No, as JamesB said, the rules have changed and now the referrer’s card ecides the referral bonus rather than the card referred to. From SPG I referred my wife for Gold and got 5,000 SPG points. My wife referred my sister to SPG from her now Platinum card and got 18,000.

    • Alan says:

      6 Feb6 February 08:53

      Yes, that’s exactly what I said.

      Jon asked whether his wife would get the 9000 MR points for referring from her BAPP. She won’t. She will get whatever the BAPP referrer’s bonus is. She will get a bonus, but it won’t be 9000 MR points.

      Jon will get the 22,000 MR points

    • JamesB says:

      6 Feb6 February 09:56

      Apologies Jon, I misread first part of the question and I am guessing Mark read/thought it the same way as me. Alan is correct, number of points received will be those for referral from BAPP but I forget hpw many that is.

    • Genghis says:

      6 Feb6 February 16:00

      9000 avios

• JamesB says:

  6 Feb6 February 08:05

  You should do as it is on thd referral page. Points usually post in a few days, around the time the applicant receives their card. However, I think there have been sone reports that some people were waiting around a week or more lately.

  • Alan says:

    6 Feb6 February 08:38

    Thanks James. I’ll keep an eye out for them.

• Alison says:

  6 Feb6 February 08:58

  I’ve had a BAPP card for several years and at the weekend referred my husband for a BAPP. I then called the next day to change my own card to the free BA Amex to avoid my own annual fee which is due this month. It just occurred to me this may affect the bonus Avios I get for referring my husband (though hopefully not the 26000 he should get for applying?) Anyone know if the bonus is determined by which card you have when you make the referral, or once the spend on the new card is reached?

  • Scott says:

    6 Feb6 February 09:45

    The person who refers a friend gets the bonus once the friend is approved, it’s not contingent on the friend reaching a spend target. The size of the bonus *should* be determined by the card you held at the time you made the referral.

    • Alison says:

      6 Feb6 February 13:08

      Thanks Scott, hopefully I haven’t messed up then!

  • Polly says:

    6 Feb6 February 14:02

    Alison,
    You can call up amex to hold the drop down to bacc if you are concerned. I jumped the gun a bit too early once when l referred my OH. I didn’t say why l wanted it delayed but thought it was worth risking a delay to make sure l got the higher referral bonus. It was a Saturday and hadn’t looked at it yet. It does depend on when they process his application. If you are already at bacc you might be unlucky. Sorry. But worth a call, just ask to delay it.

    • Alison says:

      6 Feb6 February 22:25

      Thanks Polly, but I got home to the blue card tonight which was really quick! So too late unfortunately. Will just have to keep my fingers crossed.

• Jeremy says:

  6 Feb6 February 09:11

  Do the Amex Gold/Platinum companion credit cards count as one of the max 2 credit cards that Amex usually lets you have at any given time?

  • johnny_c-l says:

    6 Feb6 February 09:15

    I’ve found they don’t seem to enforce the 2 credit card limit.

  • JP says:

    6 Feb6 February 10:27

    They haven’t enforced the two card limit for years. I was caught with it about five years ago, but have had no issue with holding one of each of the different family of cards at the same time recently.

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