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Win 75,000 Lufthansa Miles & More miles

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To promote the Lufthansa Miles & More payment cards (which I rate highly – you get 10,000 miles as a sign-up bonus and 1.25 miles per £1 spent, see my review here), Affiniture is giving away almost 1 million Miles & More miles.

To be more precise, it is giving away 13 prizes of 75,000 Miles & More miles, which I’d value at £750+.  Lufthansa’s fabled First Class could be within your grasp ….. at least one-way.

Win 75000 Miles and More miles

Everyone who applies for the Miles & More payment cards before 31st December will be entered into the competition.  However, to comply with UK law, you can also enter without applying for the card.

Visit this page of the cards website and enter.  You must be an existing Miles & More member and you must be a UK resident.

The competition closes on 31st December.  Good luck.

Want to earn more points from credit cards? – May 2022 update

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

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards. You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

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

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £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.

The Platinum Card has doubled its sign-up bonus to 60,000 Membership Rewards points, which convert to 60,000 Avios or other airline miles, if you apply by 1st June 2022.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Amex Gold

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

60,000 points (SPECIAL OFFER) and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

30,000 points bonus (SPECIAL OFFER) 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:

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

American Express Business Gold

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

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

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

Capital on Tap Visa card

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa 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 (3% on business travel for four months) and no annual fee Read our full review

Comments (125)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • guesswho2000 says:

    OT Amex ICC – Has anyone who’s taken this card out (Platinum) managed to actually obtain the Priority Pass card which comes with it?

    Unlike normal Plat cards, you have to sign up for it, no dramas there, except Priority Pass CS is the biggest shower of s… I’ve ever had to deal with – despite chasing it about a billion times, I never once get a call back or reply to an email. Should I moan at Amex? It’s not really their fault, so I don’t feel like I should…

    Other than that, signup bonus posted quickly, and amusingly the annual fee counts towards the spend target and accrues points. Paying the balance from Citibank credits the Amex card with US$25 less than you send, which I assume is the TT fee Standard Chartered charge, which is annoying, but I’ll only be making 2 payments, so I can suck that up.

    • Anon says:

      It sounds like you’re planning to cancel the card so presumably the PP access would cease at that point anyway? Also, if the fee counts towards the sign up bonus and you get a pro-rata refund, will Amex try to claw back the points?

      • guesswho2000 says:

        No, I won’t be cancelling it, but I doubt I’ll spend anything else on it this year (don’t foresee any further US$ spend). Keeping Amex Plat is much cheaper than buying all the insurances separately for me (I had a GBP Platinum I swapped out for this one for the bonus and lower fee, following the earlier hike – I don’t bother with the Aussie one, our fee is AU$1,450). The reason for only making two payments is because I hit the target in month two. But you’re right, PP would stop (so I wouldn’t bother).

        As for the fee, if you cash out the points first, there’s nothing to take back – but, they could negative your account (whether that matters going forward I don’t know). I had a small refund trigger a clawback before, luckily it was still within the 3 months, so they re-allocated the bonus within a few days.

    • Rob says:

      Must be a Citi fee. I pay from my HSBC current account and there is no fee. Bad exchange rate, but no fee!

      • guesswho2000 says:

        That’s even more annoying, as Citi constantly bang on about zero fees! Oh well!

        • John says:

          Citi can’t be responsible for fees from other banks.

          • Rob says:

            Why would Standard Chartered charge a $25 fee to Citi customers who pay Amex but nothing to HSBC customers like me?

          • guesswho2000 says:

            Thinking about it in fairness I agree, I don’t *think* it’s a Citi fee. I tick the box saying sender pays no fees (or whatever).

            I know a lot of banks charge for inbound TTs, Citi definitely don’t for my account, but most of my others do, so I assume SC do (or another intermediary bank?). I’d assume RBS NatWest would be the clearing bank for SC, but maybe it’s different for UK-US than AU-US (or maybe HSBC is an intermediary which doesn’t charge HSBC customers?).

            Thing is, I have a HSBC Global Currency account, but their outbound TT fees and poor forex rates are what put me off using it! Wonder if Revolut results in free transfers, might give that a whirl, or Transferwise!

          • guesswho2000 says:

            To clarify, I’m sending US$ directly from a US$ denominated account held at Citibank Australia.

          • Rob says:

            HSBC sends $ from my UK current account (in £). Not sure why it would make a difference.

      • Dev says:

        Rob and guesswho2000,

        There is a Citi quirk you might not be aware of. All European retail accounts are held at branches of Citibank NA. International USD payments between banks are handled by another Citigroup entity, which charges $25 per payment as a flat fee.

        So technically, Citibank NA, where the account is held, will not charge the fee but the NY entity will do it. Bank of America and JPMorgan have similar quirks. Likewise HSBC, but in Rob’s case it is a £ account being used to make a $ payment, and I think the HSBC US entity is bypassed.

        Hope this makes sense!

        • guesswho2000 says:

          Thanks Dev, that probably explains it then, I assume it’s much the same elsewhere, with Citi being a US bank, they probably have similar arrangements for their branches in AU, HK, SG, etc. too.

  • Lee Thornton says:

    The Miles & More website is a joke. After trying to log-in to discover my membership number I am told my password has expired and needs to be changed but there is no link to change it! I then click on ‘forgotten password’ and change it only to be told when I log in again that the password has expired… ahhhhhh!

    • Oh! Matron! says:

      Frankly, it’s embarrassing. A 5 digit PIN to log in? Bloody hell… I don’t use it much: Have 18.5K miles in there from a prior hilton promo (that I don’t know what to do with)

      • Rob says:

        Heathrow Rewards vouchers or a 15k return Euro redemption (they drop to 15k within 14 days of travel).

        • Chrisasaurus says:

          If you can get the website to let you order the damn things…

        • Concerto says:

          Rob, I think Economy FlySmart awards are up to 20,000, still quite a good deal. It’s the mileage bargains which are 15,000 now, but those have to be booked further in the future (2 months or so). The FlySmarts have to be booked between 3 and 14 days before departure. I use these all the time and they are a good use of miles for European awards.

      • BJ says:

        Worth around £50 on hotel bookings.

    • Andrew says:

      I quite like M&M… A few years back I spotted an item sold at negative points. 😉

    • John says:

      I’m not able to book redemptions from my account and nobody can figure out why. I cashed out to vouchers (they were free from Hilton after all) and will probably try to delete my y account soon, sign up again later if I ever find it useful.

  • Benylin says:

    OT: New Nectar app now let’s you carry your card on the app such that you can scan the barcode, vs previously needing to manually type it in.

    • Mike says:

      Useful option – but I prefer carrying the nectar card as it is much smaller / lighter than my phone.

    • TGLoyalty says:

      Finally. Wonder what took so long.

      • Rob says:

        Needed to change every single till.

        • TGLoyalty says:

          You say that but M&S have the card on the app and the tills weren’t changed to scan that nor do the BP ones for the new BP reward scheme that has card on phones.

          None of the tesco fuel pay at pump can take the Tesco Pay app either.

          Just doesn’t seem like a reason not to implement earlier, especially as it could have been used to just tap in the short digit code.

    • Andrew says:

      You didn’t need to type it in, it was just a simple barcode.

      All you needed to do was to take a quick photo of the card, and store it in a card gallery.

  • Simon says:

    Given the tech/university links with Cambridge, I’m surprised no one is taking a punt on a Boston – Stanstead route.

  • Andrew says:

    O/T (bits)… quick question if the good folk here can help… my folks were delayed yesterday on a flight BOD-LGW. not withstanding precisely what figure BA uses in determining the delay (we know it should be “doors open”) is showing the arrival-time delay of exactly 3 hours.

    Various posts online say compensation is due for delays of “more than three hours” (i.e a delay of EXACTLY 3 hours might not count). Others say “three hours or more”. Usually I’d not be bothering with such pedantry but this time round €500 may be paid, or not.

    What’s the view of the HfP community?

    • Matt B says:

      I’d go with the exact wording in the EU directive whatever that may be rather than a few online experts.

      • Matt B says:

        4.4.6. ‘Long delays’ at arrival

        As regards ‘long delays’, the Court has ruled that passengers, including delayed passengers, may suffer from a similar inconvenience as passengers whose flight is cancelled, consisting in a certain loss of time (41). Based on the principle of equal treatment, passengers reaching their final destination with a delay of three hours or more are entitled to the same compensation (Article 7) as passengers whose flight is cancelled

        Is this the correct section? I am clearly not an expert by the way!!

        • Andrew says:

          Quite possibly, thanks Matt. And you’re more of an expert than I!!

    • Shoestring says:

      get the ExpertFlyer arrival time first, don’t trust data – and don’t hang around, it’s only available for 48hrs – EF often also indicates cause of delay & a ‘Y’ if compo should be payable (or ‘N’ if not, though don’t necessarily accept the ‘N’) – obvs cause of delay is critical to compo success

      anything up to 180 mins and 0 secs – no compo

      after 180 mins, ie 180 mins + 1 sec – compo is payable

      • Andrew says:

        Thanks both. I’ve registered with EF but I’m probably being obtuse. Is anyone able to quickly see the length and reason for the delay to BA2789 of yesterday? STA was 21:35, actual 00:35+1.

        Crew said it was because the air con was broken on the outbound but would be good to know what the computer says!

        • Shoestring says:

          I’m not registered – Stu here is, or you could ask on

          who normally give a quick answer

          • jc says:

            You can also type it into any of the delay compensation claim lawyer websites that give an instant verdict of whether the delay is eligible. Says yours is.

          • Andrew says:

            Thanks Shoestring
            @jc – thanks also. Interesting I had one saying the delay was eligible for EU261 and another saying the opposite!

            I guess will wait and see what FT folk say and either way nothing for my folks to lose
            I guess…

          • Shoestring says:

            looks like they qualify for compo to me, as you say probably <1 minute in it but you can't be half pregnant

        • Ali says:

          Someone might be able to make sense of this

          * OPERATIONAL FLIGHT INFO * BA2789 -1 WE 02OCT19

          LEFT THE GATE 0000
          TOOK OFF 0012
          LGW AIRCRAFT LANDED 0026
          ARRIVED 0035
          *1A PLANNED FLIGHT INFO* BA2789 -1 WE 02OCT19
          BOD 2100 WE JCDRI/M YB/G 320 1:35
          LGW 2135 WE 1:35
          4.BOD LGW – 9/ NON-SMOKING
          6.BOD LGW – CO2/PAX* 87.44 KG ECO, 87.44 KG PRE
          320 C 12 M 162

          • Anna says:

            Broken air con definitely counts for EU261, but you might have to fight for it! I had to go to CEDR twice but BA did eventually pay up.

          • Shoestring says:

            if it’s WEather, ie you think BA will resist paying – and you or your folks don’t want the hassle of taking it forward after first refusal, remember the paid lawyers eg Bott & Co are no win, no fee

            but try it online with aircon as the reason, get the almost certain first refusal and challenge the first refusal decision, all this takes 5 mins of your time

            only then, hand over to Bott & Co or else steel yourself for more of a fight

          • Andrew says:

            Fabulous – thank you all. Will pass on to my folks 😀

            HFP community to the rescue as ever!!

  • Jenni says:

    OT: I have a free compensation night certificate from Doubletree, how do i book that please? I know the voucher itself says to call a US phone number but is there a way to avoid that?

    • Rob says:

      Is this a ‘Be My Guest’ certificate? I think you just book in at Best Flex Rate and hand it over at check out. We gave a couple away in a competition last year.

      • Jenni says:

        It is yeah, had a pretty bad experience so they gave it me as guest recovery (ironically I will be using it in the same hotel who I got it from…).

        Thanks Rob I will book online!

  • jason says:

    OT any recent data points on Amex cash back offers not triggering on cumulative spend? looking at the Marriott offer spend 200 and get 50 back and it makes sense to split the transaction to maximise benefit across multi cards

    • Crafty says:

      Bear in mind (I’ve just checked) this is European hotels only, which scuppered my plans.

  • Sprout7 says:

    O/T – I’m toying with getting a Monese card (£15p/m version) and was wondering if anyone could tell me if there is a limit for topping up at the post office or Paypoint in a single transaction? I think I recall paypoint having limits of around £150 for topping up prepaid cards? thx

    • Harry T says:

      £500 a time at Post Office. £249 per transaction at PayPoint. They’ve got a table on the Monese website.

      • Sprout7 says:

        Thanks Harry – think I’ll give it a try.

        • Axel says:

          Theres a page on monese explaining everything.

          £5k monthly limit also mentioned.

      • Matt B says:

        I’ve seen paypoints at co-ops mentioned here a few times, I assume other stores with paypoint facilities eg tesco/spar are fine too for monese?

    • Tilly71 says:

      £500 P.O. & £250 PP.
      Be very careful with Monese, they KYC me after two months of top ups and didn’t like my answers so closed my account, took four weeks to get my funds back.

    • Ben says:

      It’s £500 limit at post office but this is a per transaction. I’ve topped up £2k today…

      There is a hard £5k per month limit.

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