Maximise your Avios, air miles and hotel points

What should replace your Tandem Money credit card, which is being closed?

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Whilst it doesn’t offer any miles or points, we have recommended the Tandem Money cashback credit card on numerous occasions.  It really had everything (apart from miles):

  • no annual fee
  • no foreign exchange fees
  • 0.5% cashback on all spending
  • operates as a Mastercard so widely accepted

Unsurprisingly, since I cannot imagine any scenario under which Tandem was making money from this product, it has been pulled to new applicants.  The website also seems to imply that the clock is ticking for existing cardholders too.

Tandem cashback credit card closed

You can find out more on the Tandem website here.

My preferred Visa / Mastercard cashback product is probably now the John Lewis / Waitrose one.  This DOES have FX fees, but you also get 0.5% back on third party shopping and 1% back at John Lewis and Waitrose.  There is no fee. All rewards are paid in shopping vouchers.  There is currently a £30 sign-up bonus too.

The Aqua credit card also has 0.5% cashback – and paid in real cash – but capped at £100 per year.  It DOES NOT have FX fees.  I am not a fan of this product because it is aimed at people with credit defaults and is advertised as such.  This means that you will get a low credit limit and it isn’t necessarily one to wave around in the pub.  I know some HFP readers use it and are happy with it, however.


Want to earn more points from credit cards? – November 2020 update

If you are looking to apply for a new credit or charge card, here are my November 2020 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.

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual 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:

American Express Business Gold card

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

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.

Comments (158)

  • Shoestring says:

    How to spend your Amazon 10% off discount? Try Sony WH-CH700N Wireless Bluetooth Noise Cancelling Headphones – Black £79

    *Noise Cancelling*

    Price history https://uk.camelcamelcamel.com/Sony-WH-CH700N-Bluetooth-Cancelling-Headphones-Black/product/B078VGQCZ4

    • Matt says:

      Shoestring – the man, the legend…
      How do you qualify for Amazon 10% off, I must have missed it?

  • Shoestring says:

    really? ISTR it was always set up that you need to register before booking

    • Stu_N says:

      That was for sale bookings made in a narrow window just before the double Avios offer kicked in.

  • Roger says:

    OT
    There is £20 off £200 spend on Alternative Airlines
    Has anyone managed to trigger with multiple transactions i.e. not a single transaction over £200?

    • DANIEL MACDONALD says:

      I was tempted by this….

      However..they were exactly £20 more than direct from the airline each time…

      Try Amex travel…triple points on the gold…:)

    • Cat says:

      I booked 3 flights (island hopping round Indonesia) using the multi-city function, and that triggered for me.

      • Polly says:

        Cat,
        Which islands are you hopping around now.. ? We are in Bali Feb so will hop a bit too! P

        • Cat says:

          Great minds Polly! I got flights to Singapore for next summer in the Qatar sale (bring on the QSuite!), and after much deliberation, and staring at haze maps for the last few years, decided Nusa Tenggara is probably my best bet for haze avoidance and nice weather. The plan is to fly to Lombok, take a slow boat tour to Flores (via Komodo to see dragons and lots of other islands for snorkelling, loafing and hiking up hills and to waterfalls), then I’ll slowly make my way across Flores, doing a bit of hiking along the way, then fly back to Bali to spend a few nights in a lovely hotel by the river valley in Ubud. Next I’m flying off to Ambon, to stay on perhaps the cheapest overwater bungalows ever on Ora beach for a few nights, then Java for gunung Bromo, Yogyakarta and Borobudur, then Singapore for a couple of nights (I’ll just have to get a mask for the last week, I suppose).
          This is after hiking the length of the Welsh/ English border with my Welsh OH for the first 2 weeks of the summer hols, of course!
          I’m quite excited about next summer!
          What are your plans?

          • Lady London says:

            I’m exhausted just reading that. 🙂

          • Shoestring says:

            always wanted to go to Flores – one of the world’s best divespots – & obvs pretty good for snorkeling

            I dived off Bali (OK) – but dived much better off Bunaken (off Manado, Sulawesi) – where I dived for about 2 weeks back in 2000 🙂

          • Cat says:

            I have 6 weeks to play with Lady London (TF for school hols, I really need them!)!
            I dived off Bunaken too Harry! Sadly it was just after a major weather front had passed through during a school summer hols in the noughties at some point, so vis was dreadful (Bunaken was one of the main reasons for that trip, so was pretty gutted!). The main reason I snorkel more than dive these days was a diving trip during the same trip on the Togean islands – my cowboy dive instructor took us to 40m (I didn’t notice until the sh*t hit the fan, and my dive buddy and I were on a fun dive and had a PADI open water respectively, we were both insured to 18m, where the risks are limited), at which point my buddy got a grain of sand in her BCD hose, and her BCD started uncontrollably inflating, her body started going into a runaway ascent, and she had to hold onto coral with her bare hands to stop it (her hands got horribly lacerated, as I’m sure you can imagine). It took the cowboy about 5 mins to disconnect the hose (it’s less easy when there’s actually sand there) while I tried to stay out of the way and panicked. We were very low on oxygen when he sorted it out (hers had been haemorrhaging out of her BCD while I watched, having just noticed our depth, and, as it turns out, hyperventilated the entire time – *my* oxygen was not even close to being on my mind at the time), we only had enough for the briefest of 10m safety stops (not even close to 3 mins), it’s a miracle neither of us needed a decompression chamber frankly (it would have been at our own expense, because 40m).
            I’ve been less keen on scuba since and tend to snorkel these days!

          • Cat says:

            V much looking forward to snorkelling Komodo NP though!

  • Princess says:

    OT: flying business class first time tomorrow, Gatwick S.
    Am I right thinking only lounge to visit will be Ba Galleries?
    We haven’t reserved seat: atm raw 4 seat A to G still available and raw 1 seat F-G available, any advice what’s best? I thought raw 4 E and F?
    Any advice about things to ask during the flight they provide only on request?
    Thanks everyone

    • Stu_N says:

      The Gatwick Business Lounge is very good, much nicer than Heathrow equivalents. The food isn’t too substantial though – if you have a priority pass and want a decent meal the advice seems to be to go to the Grain Store.

      As for seats, I’m assuming you’re In Club World on a 777 from your seat numbers. 4EF will be good if you want to sit with your travelling partner. I wouldn’t want to share e/f with a stranger – there is zero privacy between the two seats so for me this would rule out d/e or f/g pairs.

      Alternatively take a window/ aisle pair – that’s what we do when we fly club world.

      • Princess says:

        Hi Stu_N, thanks for advice, yes is club world on a 777 London-Male
        Actually also raw3 seat D to G available
        I have priority pass so I will definite stop by the grain store too!
        Anything else during the flight?

        • TripRep says:

          Have a fab trip, I quite like the LGW BA lounge, was there last week, where are you staying in the Maldives?

          • Princess says:

            We will do a mix: 3 nights in a small boutique hotel in maafushi and guess where after? At the Conrad!
            Thanks for all your post I read them all and tried to find as much info as possible on FlyerTalk!
            I got in touch with the Conrad and asked if possible to have a sunset facing villa!
            I have an idea of restaurants but I haven’t book them yet!
            Any other advice is welcome!
            I will share any new insight! I will also try to get some info about their approach to sustainability!
            We hope to not be downgrade on the flight (is a 241)

  • Shoestring says:

    O/T the Laithwaites Amex offer will stack with any other Laithwaites deal you find online, for another £20 off – usually hundreds of offers around if you google it
    [OFFER DETAILS
    Save to Card to get a £20 statement credit on an eligible transaction of £100+ in participating store(s) and online at Laithwaite’s Wine by 19/1/2020.]

    • Shoestring says:

      https://www.bawineflyer.co.uk

      £60 off from BA Wineflyer
      1000 Avios
      2 free wine tumblers
      free delivery
      £20 from Amex
      choose a £54.99 introductory case
      add on another £55.01+ of wine, eg 8x Cerro Nevado Cabernet Merlot 2018 (you’ll get the lower price as you’re buying more than 12 bottles)

      so that merry lot comes to £82.92 after your Amex £20 offer
      then factor in the 1000 Avios = £72.92 for 20 bottles, let’s assume they’re better than £4 supermarket plonk
      =£3.65/ bottle for something drinkable

      easy to be a new customer = new email address

  • Will says:

    Fingers crossed for the continuation of the legacy MBNA cards.

  • Oliver says:

    I can withdraw 1k a day ATM limit on my curve linked to my IHG premium. My IHG premium says maximum 2k cash allowance. If I take more than 2k via curve will I trigger interest or does my curve not count as cash because it’s a purchase ? I got declined paying a bill curve said it was against the rules, but I figured if I withdrew the cash and paid it into my bank then paid the bill it works out all just the same?

    • TGLoyalty says:

      I’m surprised your curve lets you take out more than £300 in a day and £700 in a week when linked to an IHG card.

      • TGLoyalty says:

        But to answer your question it is treated as a purchase so doesn’t come out of your IHG cards “cash limit” nor attract interest in my experience though that’s just withdrawing the odd £200 here and there over the last couple years.

  • Terry says:

    Is there any known IHG hotels who are known to be cheaper than the rest selling points packages. It’s a minefield. I have never seen anybody sell more than 5k (indigos) however some sell at £4 per 1k and others as much as £7. Just wondered if there was any nuggets out there. Best iv seen is Manchester indigo £20 for 5k.

    • luckyjim says:

      I think there is a minimum price for buying IHG via this method. If a room is $45 cash or 15000 points you’d think the points plus cash rate would be 10000 points + $15 (2/3 in points, 1/3 in cash). It is actually 10000 + $30. I found lots of cheap HIEs in the North East and NI offering this sort of rate recently but never any lower than $30 for 5000 points.

    • Lady London says:

      Isn’t there a double points promotion on IHG at this time, that it has been reported is also doubling any bonus packages bought with the room? seen that commented a few times.

      for that reason, even though the price of bonus packages seems to have really been hiked up in the past couple of years to beyond what they are worth, it could be worth not handing around if you do have a “bonus points” target on your Accelerate…