Maximise your Avios, air miles and hotel points

What are the best credit card sign-up deals for November 2019? – plus your news round-up

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UPDATE – JULY 2021:  This article is now out of date, but don’t worry.  We produce a monthly directory of the top UK travel credit card offers – please click HERE or use the ‘Credit Card Offers’ menu above.  Thank you.

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 and charge 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.

UK Rewards credit and charge cards

What was new in October?

ENDS TODAY – You can receive a whopping 60,000 Membership Rewards points on Amex Business Platinum

American Express has been offering 60,000 Membership Rewards points as a sign-up bonus on the Platinum Business card for the last few weeks.  This offer is meant to end today, 6th November, but that is not written down anywhere.

This offer is ONLY available if you apply via a refer a friend link.  I can provide one if you need one – see here.  To get the bonus, you need to spend £6,000 in 90 days.

Remember that it is substantially easier to qualify for the sign-up bonus on the Platinum Business card than the personal Platinum card.

To get the 60,000 Membership Rewards points on signing up, you only need to have gone SIX MONTHS without any American Express card which earns Membership Rewards points.  The personal Platinum card now requires you to wait 24 months.

Full details are in this article.

American Express Business Platinum 60,000 points

American Express launched a new British Airways SME card

American Express has added a third small business card, to add to Business Gold and Business Platinum, with the launch of the British Airways American Express Accelerating Business card.

We reviewed the BA Accelerating Business credit card here.

It looks funky (see below) but I am not totally sold on the package.  The annual fee at £210 is relatively high, whilst the sign-up bonus (2200 On Business points) and annual spend bonus (3000 On Business points) are underwhelming.

The day-to-day earnings rate IS good, at 1.5 Avios per £1.  You can have 99 free supplementary cards for your staff, which will definitely appeal to some people.

You can apply and find further details on the American Express website here

Interest rate information: representative APR 81.6% variable, including the £210 annual fee, based on an assumed credit limit of £1200.  The interest rate on purchases is 22.9%.

American Express BA Accelerating Business card

American Express closed two variants of the Amex Rewards Credit Card

ARCC is a standard Amex-branded credit card.  It has no annual fee and no substantial benefits, except for the ability to collect Membership Rewards points at 1 point per £1 spent.

There WERE three versions of the card available: a low interest rate version, a ‘0% interest on purchases’ version, and a ‘standard’ version with the usual 22.9% interest rate and without a 0% offer on purchases.

You can probably guess which two versions have been closed down.  Yes …. the one with the 9.9% interest rate and the one which offered 0% interest on purchases.

The one version which remains is the ‘standard’ one with a 5,000 Membership Rewards points bonus and a representative APR of 22.9% variable (click here).   You need to spend £2,000 within three months to receive the bonus.

It is unlikely that many (any?!) Head for Points readers will qualify for the bonus because you cannot have held any personal American Express card in the previous 24 months.  Don’t worry about that.  You may still want to get this card even though you won’t get a bonus.

If you currently have an Amex Gold or Platinum card and want to cancel it but do not want to cash in your Membership Rewards points, this card is your answer.

Apply for the one remaining variant of the American Express Rewards Credit Card.  Once it is active, you can cancel your Gold charge or credit card or Platinum charge card safe in the knowledge that your Membership Rewards balance is safe.

The only ‘snag’ is that you will not have reset the 24 month clock on being able to reapply for any other personal American Express card (with the exception of British Airways Premium Plus) and receive another sign-up bonus.  In order to do that you need to close down your Membership Rewards account entirely.

For a lot of people, though, being able to keep your existing Membership Rewards balance alive will be more important.  You can apply for the remaining version of the American Express Rewards credit card here.

Amex Rewards Credit Card

The Lufthansa credit card is giving away 1 million Miles & More miles

To promote the Lufthansa Miles & More payment cards (which I rate highly – you get 10,000 miles as a sign-up bonus until 31st December 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.

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.

Win 75000 Miles and More miles

Virgin Atlantic’s latest promotion ended

The two Virgin Atlantic credit cards have dropped back to their standard bonuses during October – 5,000 miles on free card (reviewed here) and 15,000 miles on the paid card (reviewed here).

I have no idea what, if anything, is coming down the pipe in terms of future promotions so I can’t give you a steer on whether it is worth applying now or whether you should wait for a deal.  The application site is here.

https://www.headforpoints.com/hfp/virgin-atlantic-flying-club-rewards-plus-credit-card/

The Capital On Tap Avios-earning SME cards have delayed their switch to Visa

The Capital Club and On Tap Club cards, from Capital on Tap, aimed at small businesses and sole traders, are the first non-Amex payment for small businesses which let you earn Avios.  Whilst you may not have heard of Capital On Tap, it already has 50,000 customers for its existing ‘no rewards’ payment card.

These cards were meant to be switching to Visa in September.  And then in October.  Existing cardholders were meant to be switched on 31st October.

All of these deadlines have been missed.  I’m not sure at present what is going on, but they are still intending to switch over to a Visa credit card format soon.

For now, you can continue using the Mastercard debit version to pay your HMRC VAT and corporation tax bills and earn 1 Avios per £1 spent!  If you apply now, you will receive the Mastercard and then be switched later.

There is a special higher sign-up bonus for HfP readers which you can read about here.

Earn Avios with Capital on Tap

American Express still has a 30,000 point bonus on the DOLLAR / EURO versions of the Platinum card

Amex is running a sign-up bonus on its Dollar and Euro Platinum charge cards – 30,000 Membership Rewards points to be precise.

The good news is that you can get this bonus even if you already have a UK Platinum or Gold card.  The bad news is that this is a complicated product with poorer transfer rates to most airline schemes than the UK cards.  I wrote about the pros, cons and sweet spots in this article.

Revolut Business card

Finally, whilst not directly related to miles and points, Head for Points is running an exclusive sign-up offer with Revolut.  Sign up via our link here and you do not have to pay the £4.99 delivery fee for the plastic card.  Read our full article first.

If you have your own small business, we also reviewed Revolut for Businessclick here for details.  You can sign up here.

Further reading ….

We also published the following credit card articles in October:

What can you do with Amex Membership Rewards points?

A new Amex lounge for Platinum cardholders opens in Sydney

Why you should get a FREE Curve Card to maximise your miles and points from credit cards

Are the best cashback credit cards a good alternative to miles and points cards?

Should you dump your free BA Amex for the one remaining Amex Rewards Credit Card? Possibly.

What are the best Star Alliance credit cards for UK residents?

You may also want to read our ‘Top 10’ series:

What are the top 10 reasons to get American Express Preferred Rewards Gold (Amex Gold)?

What are the top 10 reasons to get American Express Platinum (The Platinum Card)?

What are the top 10 reasons to get the American Express Rewards Credit Card?

What are the top 10 reasons to get the British Airways American Express (BA Amex)?

What are the top 10 reasons to get the British Airways American Express Premium Plus card?

What are the top 10 reasons to get the HSBC Premier Mastercard?

What are the top 10 reasons to get the HSBC Premier World Elite Mastercard?

What are the top 10 reasons to get the free IHG Rewards Club credit card?

What are the top 10 reasons to get the Lufthansa Miles & More Diners Club and Mastercard?

What are the top 10 reasons to get the Marriott Bonvoy American Express credit card?

What are the top 10 reasons to get the Tesco Clubcard Mastercard credit card?

What are the top 10 reasons to get the Virgin Atlantic Reward Mastercard credit card?

What are the top 10 reasons to get the Virgin Atlantic Reward Plus Mastercard credit card?


Want to earn more points from credit cards? – July 2021 update

If you are looking to apply for a new credit or charge card, here are our July 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the other top current deals:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

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

Nectar American Express

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

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

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending 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 Gold

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

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

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard 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 and no annual fee Read our full review

Comments (49)

  • AJA says:

    I just entered the competition for one of the 13 prizes of 75,000 Miles & More miles without enquiring about more information. Thanks for alerting me to this. That said I haven’t received an email confirming my entry which makes me wonder if I am actually entered or they are pretending to comply with UK competition entry rules.

  • AJA says:

    I have just triggered my BA 2-4-1 voucher for my current membership year which runs until next April on the BAPP card so was wondering which other card I could get. I have never had any other Amex card so like the idea of the American Express Preferred Rewards Gold but will I get the 10,000 MR bonus as I already have the BAPP card? I am guessing not. Likewise if I applied instead for the basic American Express Rewards Credit Card I wouldn’t get the 5,000 MR bonus?

  • Pete Y says:

    Bit of a newbie to this so doing some research into where to put my first lot of MR points and the next card to move onto.

    I must be missing something because all articles suggest an avios is very broadly equivalent in value to a virgin mile. However, searching online virgin redemptions seem to require far fewer miles. E.g. LHR-HKG return economy = 25,000 virgin miles or 50,000 avios.

    Where am I going wrong?

    • Rob says:

      Economy redemptions are generally bad value regardless.

      Virgin pricing is often lower BUT you are trading off a far smaller route network. The BA Amex 241 also skews valuation. 1p is just a reminder that this is the minimum you should look for.

      • Charlieface says:

        Rob, I’ve redeemed the vast majority of my Avios (probably few 100000) in economy for myself and others, and it worked out usually at 0.8p – 1p on average. The reason is they were mostly one-way or last minute tickets, or flexibility was needed, all of which changes the maths considerably. You should look more closely at this.

        • Rob says:

          Realistically few people do this though, and those who do know the value.

          • Charlieface says:

            More the point, a lot of people don’t realise more seats come available. I used to find Saturday night more seats come up for the following week. And more come up the night before.

          • Shoestring says:

            late reward seat availability in Europe is often excellent – when the cash price can often be sky high

            BA often dump another 4 or 8 reward seats spread across Economy & Business in the last 2-3 weeks

            obvs not when the plane is mostly full

  • Andy says:

    Slightly off topic – which other miles can I convert to Virgin Atlantic? Ive got a ton of Radisson/Club Carlson points that Ive sat on for ages. They now have a 20% bonus for converting to miles; Im sure Virgin was a partner once, but no longer……so I thought about converting to one of their other partners and then again to Virgin.

  • Bo says:

    Is Amex the only card which will convert to Skymiles? I’m a Delta Plat Medallion and I wanna switch to the HSBC World Elite for the signup bonus but it seems they don’t have Delta as a partner.

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