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What are the best credit card sign-up deals for August? – plus a news round-up

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It is time for our regular round up of what is coming and what is going in the world of UK airline and hotel credit card sign-up deals.

Our directory of the 16 main 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.

Starwood American Express UK

What was new in the last month?

The Starwood Preferred Guest American Express restructured

In advance of the merger of Starwood Preferred Guest and Marriott Rewards on 18th August, the SPG Amex made a few changes:

the earning rate moved from 1 SPG point per £1 to 3 ‘new scheme’ points per £1 – this is not a change in real terms

the free night voucher changed – instead of a free WEEKEND night at a Category 1-5 hotel, you will now receive a free night, valid every day, at any hotel which costs under 25,000 points.  This makes the voucher more valuable although still a poor return for spending £25,000.

the refer-a-friend bonus dropped 40%, from 5,000 SPG points (15,000 ‘new scheme’ points) to 9,000 ‘new scheme’ points

The SPG Amex is always worth a look because you can get the sign-up bonus of 30,000 ‘new scheme’ points (worth 10,000 Avios or around £150 of free hotel nights) irrespective of what other Amex cards you have.  As long as you haven’t had another SPG Amex in the previous six months, you’ll get the bonus.

Full details are on the Amex website here.

In other news, transfers of SPG points from the credit card and from Membership Rewards are now suspended until after the new merged loyalty scheme launches on the 18th.

TSB Avios credit cards

The old TSB Avios cards restructured

If you still have the old TSB Avios credit cards, which are closed to new applicants, you should have received a letter about upcoming changes.

The Premier card is being closed entirely.  The basic card is losing its companion American Express card and will just operate as a Mastercard going forward.

You can find out more in this article.

Hilton Honors sends out a survey on a new credit card

Hilton is currently working on a new UK credit card to replace the Barclaycard one which is now closed to new applicants.

They recently sent a survey to some Hilton Honors members to share their ideas.  This HFP article explains what they are considering.

Marriott Mastercard UK

We are expecting the Marriott Mastercard to relaunch in August

I have no details AT ALL on this.  However, if they simply reopen the old Marriott card – which I still have – to new applicants once again, this is what you will get:

  • a Mastercard issued by Creation
  • no annual fee
  • 1 ‘new scheme’ point per £1 spent
  • 10,000 ‘new scheme’ points, worth around £50, as a sign-up bonus
  • 2,000 free ‘new scheme’ points annually on your card anniversary
  • 10 elite night credits each year

Keep an eye on HFP for news on the launch.

UK United Mileage Plus credit cards

All of the MBNA airline cards are finally dead

All of the MBNA airline cards are now finally dead.  Even if you haven’t been sent the replacement Horizon Visa card yet, your existing card is now operating as Horizon with cashback benefits.

This is a surprisingly impressive card to use when travelling as I explained in this review of the Horizon Visa credit card.

If you are looking for:

alternatives to the American Airlines credit card, read this article

alternatives to the Etihad Guest credit card, read this article

alternatives to the Miles & More credit card, read this article

alternatives to the Emirates Skywards credit card, read this article

alternatives to the United MileagePlus credit card, read this article

New Virgin Atlantic credit cards

The old Virgin Atlantic cards finally closed last month

The MBNA Virgin Atlantic cards switched earlier, on 6th July.  From 7th July, your card has been operating as a Horizon Visa.

This article will help you decide which of the two new Virgin Money issued Virgin Atlantic cards is best for you.  The website for the two new cards is here.

Remember that:

The free Reward card has a 5000 miles sign-up bonus, earns 0.75 miles per £1 and comes with a 241 or upgrade voucher for spending £20,000 per year

The £160 Reward+ card has a 15000 miles sign-up bonus, earns 1.5 miles per £1 and comes with a 241 or upgrade voucher for spending £10,000 per year

The cards are issued by Virgin Money so it is very unlikely that you will be conflicted due to having any other cards from the same bank

As long as your credit is excellent, picking up 5000 miles from the free Virgin Reward credit card seems a no-brainer especially as there is no minimum spend threshold.

Legal stuff: I need to tell you that the free Reward card has a representative APR of 22.9% variable.  The Reward+ card has a representative APR of 63.9% based on a notional £1200 credit limit and the annual fee.  The representative APR on purchases is 22.9%.

American Express Preferred Rewards Gold

What are the best travel credit card sign-up deals for August?

If you are looking to apply for a new credit or charge card, here are my top recommendations based on the current sign-up bonus.   The British Airways and Tesco offers are special deals, the Virgin Atlantic cards are new whilst the IHG and Amex cards are consistently strong offers.

These deals are listed in no particular order and their position on the list is not a sign of how good or bad the offer is.

British Airways American Express

For an unspecified period, the bonus on this free card increased from 3,000 Avios to 5,000 Avios.  My full review of the card is here.  You can apply here.  Representative APR 22.9% variable.

British Airways American Express Premium Plus

For an unspecified period, the bonus is increased from 18,000 Avios to 25,000 Avios.  I wrote a full review of the British Airways Premium Plus card here.  You can apply here.  Representative APR 76.0% variable including the £195 annual fee based on a notional £1200 credit limit.

Amex Plat

American Express Platinum

The sign-up bonus on this card is 30,000 American Express Membership Rewards points.  You need to spend £2,000 in 90 days to trigger the bonus.

Your points can be transferred into various airline and hotel programmes.  You could get 30,000 Avios, 30,000 Virgin miles, 60,000 Hilton Honors points, 90,000 Radisson Rewards points, 2,000 Club Eurostar points etc etc.

You receive a pro-rata refund on the £450 fee when you cancel the card and you will retain most of the benefits – Starwood Gold (which you can instantly match to Marriott Gold), Radisson Gold, Hilton Gold, Melia Gold and Shangri-La Jade – for the rest of the year even after you cancel. The Amex Platinum benefits package is extensive, though, and once you’ve got it you might find the numbers add up for you. I have had one for 15 years.

My full review of the Amex Platinum card is here. Amex’s own home page is here.

American Express Preferred Rewards Gold

This is currently an outstanding deal which is showing no signs of going away. You pay no fee for the first year and earn 20,000 Membership Rewards points (see here for what 20,000 MR points can get you – 20,000 Avios points for a start!).  You need to spend £2,000 in 90 days to trigger the bonus.

If you are new to this hobby, I would make this your first American Express card.  One benefit of earning American Express points is that you only need to transfer them to an airline or hotel scheme when you are ready to redeem – there is no risk of being caught out by devaluations!

My full review of Amex Gold is here. The Amex home page to apply is here.

Representative APR 57.6% variable including the annual fee (free in year 1) based on a notional £1,200 credit limit. Interest rate on purchases 22.9% APR variable.

Amex Gold

IHG Rewards Club Premium Mastercard

This is my preferred hotel Visa / Mastercard because of the strong overall package.  Whilst there is a £99 annual fee, this is offset in Year 1 by the 20,000 bonus IHG points you receive.  You get IHG Rewards Club Platinum status for as long as you hold the card.  You will also receive a voucher for a free night at any IHG Rewards Club property when you spend £10,000 per year.  Representative APR 41.5% variable including fee based on a notional £1200 credit limit.

Virgin Atlantic Reward and Reward+ Mastercard

The two new Virgin Flying Club credit cards are the most generous Mastercard or Visa cards for day to day spending.  The free Reward card (with a 5,000 miles sign-up bonus) earns 0.75 miles per £1 whilst the annual fee Reward+ card (with a 15,000 mile sign-up bonus) earns 1.5 miles per £1.

There is no spending target to hit to receive the sign-up bonus.  Reward: representative APR 22.9% variable.  Reward+: representative APR 63.9% variable including £160 fee based on a notional £1200 credit limit Interest rate on purchases 22.9% variable.  The application page is here.

Tesco Clubcard Mastercard 

There is a sign-up bonus on this card at the moment.  Apply via this special link before mid September and you will receive 1,000 Tesco Clubcard points with your first purchase.  These convert into 2,400 Avios or 2,500 Virgin Flying Club miles.  This is a quick and easy return on a card with no annual fee.  Representative APR 18.9% variable.

Bonus on small business cards  

Head for Points focusses primarily on personal cards. However, if you are a sole trader or run a very small business, you may also want to check out the American Express Platinum Business Card (click here) and the American Express Gold Business Card (click here).  There is currently a 20,000 points (= 20,000 Avios) bonus on the Gold Business card and a 40,000 points (40,000 Avios) bonus on the Platinum Business card.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

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.

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Comments

  1. Nilesh says:

    How exactly does the 6m rule work in terms of being eligible for the bonuses. I cancelled my SPG card on 8th February.

    Is it safe to apply for a new one today (9th August)?

    Thanks

    • Genghis says:

      Yes. But check that the date on the cancellation letter you received is 8 Feb.

  2. Jimbob says:

    OT – I cancelled my SPG Amex several months ago, but now have a refund coming back on the card. Anyone know if the refund will bounce back, or will Amex need to send me a cheque once the refund clears? Thanks

    • Genghis says:

      Refund will go back to card. Amex will send you a statement via post showing the credit. Then call up requesting transfer to bank (if still possible) / cheque / transfer to another Amex. If you still have the cancelled card on online acct still refund should show there.

  3. Colin JE says:

    A warning if you are applying for Virgin Atlantic Mastercard. My wife got a postal offer with extra miles if you spend over a certain amount for the first few months But the offer is misleading. So, for the Reward+ card, in addition to 15k miles on the first purchase, the offer said: ” – 6,000 miles a month in your first 3 months, when you spend a minimum of £1000 each month”. It turns out that you have to spend £1k in each and every month after the card is issued, otherwise you don;t get anything. Calls to VirginMoney CS have been equally misleading, with the first agent saying I’d still be eligible even though I’d missed the target in my first full statement month, then the second agent said it was based on calendar months, then her supervisor told me I’d not get anything. He kindly offered to escalate it as a complaint, as CS couldn’t award points. We’ll see.

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