Maximise your Avios, air miles and hotel points

Get yourself an 18 carat gold debit card

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The Royal Mint has unveiled the world’s first 18 carat gold payment card, aimed at:

“those who value high quality luxury items that make a statement.”

And, unsurprisingly, it looks quite funky as you can see above (click to enlarge).  You’ll notice that your signature is laser engraved into the front.

Raris Royal Mint gold debit card

It comes with Mastercard World Elite benefits, such as Lounge Key airport lounge access – albeit you can get the same benefits with a £15 per month Curve Metal card.

Raris Royal Mint gold debit card

You can find out more on the Royal Mint website here.  What it doesn’t tell you is that the fee for the card is £18,750.  It is also a debit card, not a credit card, so you won’t earn any points when you use it.  On the upside, there are no foreign exchange fees and, as it is a debit card, anyone can get one ….. well, anyone happy to pay the £18,750 fee.

Want to earn more points from credit cards? – April 2023 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 February 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 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.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

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

The Platinum Card from American Express

30,000 points and unbeatable travel benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 points bonus 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:

American Express Business Platinum

40,000 points bonus and a £200 Amex Travel credit every year 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

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

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers 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 and no annual fee Read our full review

Comments (146)

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

  • M Corrêa says:

    Not contactless. Deal breaker for me

  • Jonathan says:

    There’s people around who quite happily pay the sky high fees for the Amex Centurion account, and Coutts have a very high threshold before basic banking with them becomes free.

    The world of banking for elite individuals is quite literally limitless

  • Paul says:

    O/T has anyone received their replacement Capital On Tap Visa yet? I understood the current Mastercards were meant to stop working at the end of October but I’ve yet to receive a replacement. Maybe their timescales have changed?

    • Czechoslovakia says:

      Not got my replacement either, not that I was planning on using it going forward….

  • Benylin says:

    OT: NowTV, do they always have the free 7 day trial ongoing? Signed up to it yesterday, doesn’t seem to hard to churn it…

    • N says:

      AFAIK you need a different card to churn rather than only a new email

    • Nick_C says:

      When you cancel Now TV they will give you a good price to stay with them. I’m currently paying £3.60 a month. Was as low as £2.64 last year. When the deals run out (after six months usually) take a break then start again with a gift card – 2 months for £10 (less 10% with the Morrison’s Amex offer).

  • Frankie says:

    General comment/query as BITs.
    Is anyone having trouble using their amex 2 4 1 for reward flights on the BA website? I’ve been trying for a week and keep getting an error message after I have selected my flights and get to the ‘journey summary’ screen. The ‘continue’ button on the bottom right hand side is greyed out, and underneath where it says ‘Total Price’ a message says ‘Sorry there is a problem with booking this journey online. Try selecting other flights’ so I can’t proceed.
    The error doesn’t occur if I try to book the avios flights without redeeming the 2 4 1 voucher. I’m having the same problem in the BA iphone app. I get a message that’s repeated three times saying ‘There was a problem with you request please try again later’
    Any help or guidance great appreciated

    • roberto says:

      As all ways, try a different browser, delete cookies and reboot. The site has been awful this week -failing that call up and explain , you should not get charged the off line fee.

      • TGLoyalty says:

        Yep sounds like a website issue. Use the phone and insist you won’t be paying any phone fees as website isn’t working if they try charging you it.

        • Kaz says:

          Yup, happened to me too – first i thought it was only linked to certain flights but deleting cookies or booking incognito sometimes helps!

  • maccymac says:

    OT: I got a good deal flying to Orlando on VA. It’s giving me an option to boost my miles on the flight as previously written about on HfP. I usually fly BA/avios, can I buy the miles and transfer/gift them to my brother who flies Virgin a lot more than I do as don’t really have use for them otherwise? TIA

  • RussellH says:

    As this is bits…

    Friends of mine who used to run a hotel themselves and thought they were aware of all the tricks that people sometimes stay: they had a weekend at an fairly expensive (and until recently well reviewed, but now under new (mis-)management) establishment in the Cotswolds. The breakfast menu stated “Coffee served in a cafetiere”.
    Read it carefully – this was exactly what it was – stale bulk-made filter coffee poured into a cafetiere for serving – and quite disgusting, apparently.

  • TripRep says:

    One for LL to skip past…

    BA mulling automatically CO2 offsetting pax flights? Article also hints at Frequent Flyers being pursued for revenue or even rationed???

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

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