What are the best credit card sign-up deals for September 2020? – plus your news round-up

UPDATE – APRIL 2024:  This article is now out of date, but don’t worry.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 Cards’ menu above.  Thank you.

SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.

Keep up to date with the latest UK credit card bonuses by signing up for our free daily or weekly newsletters.

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.

We have also included a round-up of all of the loyalty credit card news from the last month.

Our directory of the 15 main UK travel credit and charge cards can be found by clicking the ‘Credit Card Offers’ tab at the top of the site or – for email, Flipboard, Apple News or mobile readers – by clicking here. We have also introduced a separate directory for small business credit cards which is here.

What was new in August?

Holders of the free British Airways American Express can earn 1,000 bonus Avios by spending £2,000

American Express launched a deal offering one bonus Avios for every £2 spent on the free British Airways American Express card by 25th October.

Your bonus is capped at 1,000 Avios. You MUST register by opting in via the ‘Offers’ tab in the Amex app or on your online statement page.

For clarity, since we made a mistake in our original article, this offer is NOT valid for holders of the Premium Plus card.

You can find out all about the deal in this article.

Virgin Atlantic made SUBSTANTIAL improvements to its credit cards

Virgin Atlantic surprised us all by making substantial improvements to the vouchers that come with the two Virgin Atlantic Reward credit cards.

As a reminder, you receive a voucher each year when you spend £20,000 on the free Reward card or £10,000 on the £160 Reward+ card.

Here is what is new:

You can use the voucher to get a 2-4-1 voucher. This is now valid on cash OR miles tickets. It is also valid in ALL classes for the first time. However, if you have no Virgin Flying Club status you need to pay 50% of the usual miles for the 2nd ticket if it is in Upper Class.

You can also use the voucher to upgrade a return flight (or upgrade one way for two people). This is now valid in ALL classes so Premium to Upper is acceptable.

You can also use the voucher to visit a Virgin Clubhouse lounge. This is now valid if you are flying with Delta, Air France or KLM as well as Virgin Atlantic.

This article explains the changes to the Virgin Atlantic credit card voucher in detail.

In summary, the Virgin Atlantic credit cards are now a lot more attractive.

American Express cut the time to earn the sign-up bonus on new cards to three months

During lockdown, American Express became more lenient in letting you earn the sign-up bonus on its credit cards.

The time frame to spend £500 to £4,000 – it varies by card – was extended to six months.

During August, this offer was withdrawn. If you apply for an American Express card now, you will only have the usual three months to earn the sign-up bonus. Here is our full article on Amex sign-up bonus deadlines.

American Express is letting Business cardholders sell their Membership Rewards points for 0.9p

American Express is, until 18th November, letting Business Gold and Business Platinum cardholders sell their Membership Rewards points for 0.9p each.

This is a very generous deal, and better than the majority of miles and points redemption options.

You ‘sell’ your points by using them to part-pay for items on your card statement. The usual rate is a poor £4.50 per 1,000 points redeemed, but it is currently doubled to an excellent £9 per 1,000 points redeemed.

Our full article on redeeming American Express Business Membership Rewards points for 0.9p is here.

Amex is also letting Preferred Rewards Gold cardholders sell their points

A similar offer was launched for Preferred Rewards Gold cardholders, valid until 1st October.

The rate is not as impressive. You only receive £6.75 per 1,000 points.

This is NOT a no-brainer and you should think carefully because you can get better value for your points. It isn’t a terrible deal, however, and if your job is currently looking uncertain you may prefer the certainty of cash.

Details of the Amex Gold Membership Rewards redemption offer are here. The deal runs to 1st October.

Buy 1,000 Membership Rewards points for £6 with Santander Cycles

Here’s one of the odd little deals we cover now and again.

Santander Cycles is running an offer on targeted American Express Membership Rewards cards. You will receive 1,000 bonus points when you make three transactions.

The smallest purchase is £2, so you can get 1,000 points for £6.

You do NOT need to live in London to do this. You can use the Santander Cycles app to buy a £2 day pass for the system, even if you never pick up a bike. I proved this works.

Full details of the Amex / Santander Cycles deal is here. A follow-up article showing that it worked for me is here.

American Express ‘Shop Small’ continues

American Express is currently running a new ‘Shop Small’ initiative to support independent shops and give you up to £50 cashback on purchases.

Running until 13th September, you will receive £5 cashback on the first 10 transactions you make for £10 or more at participating ‘Shop Small’ businesses.

There are very few rules apart from the fact that you can only get one £5 cashback per shop per card.  You can, of course, register multiple American Express cards if you have more than one.

As in 2019, cashback is capped at £50 per card. Supplementary cards are treated separately and have their own cap, so you could technically get more than £50 cashback.

Full details of American Express Shop Small 2020 are in our article here.

The BA Amex offer at Tesco, Waitrose, M&S and Deliveroo continues

Holders of the British Airways Premium Plus American Express have a good ‘bonus Avios’ offer available for another three days.

To see if you have this, look at the ‘Offers’ tab on your online statement page.  You need to click ‘Save to Card’ to register.  This offer is only for Premium Plus cardholders.

Here is the deal:

You will receive 2 bonus Avios (so 3.5 Avios per £1 in total) on every £1 you spend at Tesco, Waitrose & Partners, Marks & Spencer, Deliveroo and Apple

Offer runs until 12th September

Offer is valid instore and online

One possibility is buying gift cards at Tesco for other retailers.  This would be especially useful for Amazon, Uber or iTunes where you can add a gift card to your online account and it is used up automatically on future orders. You could also buy gift cards at Waitrose for use in Waitrose or John Lewis.

Our full article on the Amex ‘bonus Avios’ promotion is here.

American Express Platinum improves its travel insurance

American Express Platinum made some changes to its travel insurance during August.

The cover previously had strong rules on pre-existing conditions and sports exclusions, although they were not rigorously applied in my experience.

The company has now published a long list of pre-existing conditions and sports – including menopause, constipation, rounders and badminton! – which will no longer disqualify you from insurance cover.

Full details are in this article on American Express Platinum travel insurance terms.

Amex still has a 30,000 point bonus on the Dollar / Euro versions of the Platnium card

Finally, a reminder that Amex is currently running a rare 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 of the American Express International Currency Cards in this article.

Further reading ….

We ran the following credit card articles during August:

Review: the American Express Platinum Cashback credit cards

Buy 1,000 Amex Membership Rewards points for £6 with Boris Bikes – even if you’re not in London

Thinking of cancelling your American Express Gold or Platinum card?

What is the best Virgin Atlantic credit card?

The Virgin Atlantic credit cards just got a LOT more valuable

Now Amex Business cardholders can sell their Membership Rewards points for 0.9p!

American Express Platinum card improves its travel insurance

Received a Harrods American Express card invitation? This is what it offers.

Got Amex Gold? American Express will pay you 0.675p CASH for your Membership Rewards points

Why on earth do we recommend a Diners Club card?

SME? Get 40,000 points with American Express Business Platinum

---

Want to earn more points from credit cards? – April 2024 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:

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.

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:

SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.

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.