Maximise your Avios, air miles and hotel points

What is the best Mastercard or Visa credit card to get?

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I get a steady stream of reader emails looking for advice on the best Visa or Mastercard credit card for earning Avios, airline miles or hotel points.  

The comprehensive Head for Points reward credit card guide covers many different Visa and Mastercard products.   In this article I want to run through the list and suggest possible reasons for getting each of them.

visa mastercard

All of these cards add a 3% foreign exchange fee so you might want to get a separate free credit card to use abroad.   

Unfortunately there are no travel rewards cards without a foreign exchange fee. (The Virgin Atlantic Rewards cards are free in the Eurozone but not elsewhere.)  One option is to get a free card from Currensea. Currensea is a simple but clever idea. You pay abroad with your Currensea Mastercard debit card. Currensea translates the cost to Sterling with just a 0.5% fee (83% less than usual) and withdraws the money from your bank account. You can find out more by clicking here. Currensea is free so there is no risk in giving it a try.

Unfortunately, with the IHG One Rewards Mastercard closed in December 2021, there are no ‘open to all’ Visa or Mastercard products which earn hotel points. The HSBC Premier World Elite Mastercard offers IHG One Rewards and Wyndham Rewards points but this card has strict income and investment requirements.

Visa and Mastercards earning air miles:

Easily the best long-term card for the Avios collector:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Bonus: 25,000 Avios

Read our full review

Other information:

  • Receive an Avios upgrade voucher when you spend £10,000 in a card year
  • Upgrade a return BA flight for one person or two one-way flights for a couple
  • Annual fee: £240, charged at £20 per month

Representative 72.4% APR variable based on an assumed £1,200 credit limit and £20 monthly fee.  Interest rate on purchases 23.9% APR variable.

See if you qualify for the 25,000 Avios sign-up bonus +

You will receive 25,000 Avios as a sign-up bonus on the Barclaycard Avios Plus Mastercard credit card if you spend £3,000 within 90 days of signing up.

To qualify for the bonus, you must NOT, currently or in the previous six months, have held any other Barclaycard credit card.

You are OK if you had a supplementary card on someone else’s Barclaycard account.

You are OK if, currently or in the previous six months, you have had a British Airways American Express credit card.

For clarity, you can still apply for the Barclaycard Avios Plus Mastercard even if you do not qualify for the bonus.  You would still benefit from the upgrade voucher and the other card benefits.

Learn more about the card benefits +

When you spend £10,000 on the Barclaycard Avios Plus Mastercard, you receive a voucher entitling you to:

  • book a return Avios flight for one person, paying the Avios of the next lowest cabin (ie book Club World but only pay the World Traveller Plus Avios requirement)
  • book a one-way Avios flight, or one leg of a return flight, for two people, paying the Avios of the next lowest cabin

The voucher is valid for two years.  Full taxes and charges need to be paid on both tickets, based on the cabin you fly.

The voucher cannot be used to fly in First Class.

The voucher can be used for anyone, as long as the booking is made from the Avios account of the cardholder.

You receive your voucher within five days of reaching the spending target.

Launched in February 2022, the Barclaycard Avios Plus card has completely changed the Visa and Mastercard market. It isn’t just the most generous travel rewards Visa or Mastercard – it is the most generous Visa or Mastercard credit card of any sort in the UK.

You receive a sign-up bonus of 25,000 Avios if you spend £3,000 in three months.

Earning 1.5 Avios per £1, along with a British Airways upgrade voucher for spending £10,000 per year, this is a great product. You can apply here.

If you don’t want to pay a fee, and are simply looking for a free Visa or Mastercard to use alongside your British Airways American Express card, there is also a free version:

Barclaycard Avios card

Barclaycard Avios Mastercard

Bonus: 5,000 Avios

Read our full review

Other information:

  • Receive an Avios upgrade voucher when you spend £20,000 in a card year
  • Upgrade a return BA flight for one person or two one-way flights for a couple
  • Annual fee: Free

Representative 23.9% APR variable

See if you qualify for the 5,000 Avios sign-up bonus +

You will receive 5,000 Avios as a sign-up bonus on the free Barclaycard Avios Mastercard credit card if you spend £1,000 within 90 days of signing up.

To qualify for the bonus, you must NOT, currently or in the previous six months, have held any other Barclaycard credit card.

You are OK if you had a supplementary card on someone else’s Barclaycard account.

You are OK if, currently or in the previous six months, you have had a British Airways American Express credit card.

For clarity, you can still apply for the Barclaycard Avios Mastercard even if you do not qualify for the bonus.  You would still benefit from the upgrade voucher and the other card benefits.

Learn more about the card benefits +

When you spend £20,000 on the Barclaycard Avios Mastercard, you receive a voucher entitling you to:

  • book a return Avios flight for one person, paying the Avios of the next lowest cabin (ie book Club World but only pay the World Traveller Plus Avios requirement)
  • book a one-way Avios flight, or one leg of a return flight, for two people, paying the Avios of the next lowest cabin

The voucher is valid for two years.  Full taxes and charges need to be paid on both tickets, based on the cabin you fly.

The voucher can be used for anyone, as long as the booking is made from the Avios account of the cardholder.

The voucher cannot be used to fly in First Class.

You receive your voucher within five days of reaching the spending target.

You can apply for the free Barclaycard Avios Mastercard here. It comes with a sign-up bonus of 5,000 Avios.

However, I do not recommend getting the free card. It makes more sense to apply for the Barclaycard Avios Plus Mastercard, with its 25,000 Avios sign-up bonus, and then downgrade to the free card when you have secured the bonus.

An alternative for the Avios collector who wants the option to transfer to other frequent flyer schemes (but high income needed):

HSBC Premier Mastercard

Bonus: None

Read our full review

Other information:

  • Only available to HSBC Premier account holders
  • Annual fee: Free

Representative 18.9% APR variable

See if you qualify for the sign-up bonus +

There is no sign-up bonus on the HSBC Premier Mastercard.

There is a bonus on the HSBC Premier World Elite Mastercard.  This is worth 40,000 HSBC points (worth 20,000 Avios or other airline or hotel points) for spending £2,000 within three months and a further 40,000 HSBC points (=20,000 points) for spending £12,000 within twelve months.  The annual fee is £195 and you need to pay the fee for the second year in order to receive the second half of the bonus.

Learn more about the card benefits +

The points earned with the HSBC Premier Mastercard can be transferred to 11 airline and hotel loyalty schemes – Asia Miles, British Airways Executive Club / Avios, Emirates Skywards, Etihad Guest, Finnair Plus, Flying Blue (Air France KLM), Qantas Frequent Flyer, Singapore Airlines KrisFlyer, TAP Miles&Go, IHG One Rewards and Wyndham Rewards.

They can also be redeemed for other items including retailer gift cards.

Cardholders can access any airport lounge in the LoungeKey network for a fee of £20 per visit.

You need to have a free HSBC Premier current account to get these cards. The standard Mastercard is free, albeit with no sign-up bonus, and earns 0.5 Avios per £1.

There is no point getting the HSBC cards if you want to earn Avios. The Barclaycard Avios Mastercards offer far better value with a higher earning rate per £1. The HSBC cards are only worth getting if you think that you may want to convert to one of the other travel partners:

  • Asia Miles
  • Emirates Skywards
  • Etihad Guest
  • Finnair Plus
  • Flying Blue (Air France KLM)
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • TAP Miles&Go
  • IHG One Rewards
  • Wyndham Rewards

HSBC Premier World Elite Mastercard

Bonus: 80,000 points

Read our full review

Other information:

  • Only available to HSBC Premier account holders
  • Receive free airport lounge access with LoungeKey
  • Annual fee: £195

Representative 59.3% APR variable based on an assumed £1,200 credit limit and £195 annual fee. Interest rate on purchases 18.9% APR variable.

See if you qualify for the 80,000 points sign-up bonus +

The sign-up bonus on the HSBC Premier World Elite Mastercard is 80,000 points.

This is paid in two parts.  You receive 40,000 HSBC points (worth 20,000 Avios or other airline miles or hotel points) for spending £2,000 within three months and a further 40,000 HSBC points (=20,000 points) for spending £12,000 within twelve months.

The annual fee is £195 and you need to pay the fee for the second year in order to receive the second half of the bonus.

There is no restriction on receiving the bonus if you have previously held the card, as long as you cancelled it over six months ago, or are upgrading from the free HSBC Premier Mastercard.

Learn more about the card benefits +

The points earned with the HSBC Premier World Elite Mastercard can be transferred to 11 airline and hotel loyalty schemes – Asia Miles, British Airways Executive Club / Avios, Emirates Skywards, Etihad Guest, Finnair Plus, Flying Blue (Air France KLM), Qantas Frequent Flyer, Singapore Airlines KrisFlyer, TAP Miles&Go, IHG One Rewards and Wyndham Rewards.

They can also be redeemed for other items including retailer gift cards.

Cardholders can access any airport lounge in the LoungeKey network for free.  No guest are allowed, but you can get your partner a supplementary credit card on your account for an annual fee of £60.  Children would be charged at £20 per visit.

You need to be a HSBC Premier current account holder to apply for this card.  HSBC Premier comes with a range of additional benefits including comprehensive travel insurance.

The World Elite card has a £195 annual fee but comes with a sign-up bonus of 40,000 Avios for spending £12,000 in your first year, free airport lounge access and pays 1 Avios per £1 spent. This is 33% less than the Barclaycard Avios Plus Mastercard.

Best long-term card for earning Virgin Points:

Virgin Atlantic Reward Mastercard

Bonus: None

Read our full review

Other information:

  • Get a ‘2 for 1’ voucher, valid on cash or points tickets, when you spend £20,000 in a year
  • Alternatively, claim an upgrade voucher or Clubhouse lounge passes
  • Get free access to Virgin Money lounges across the UK
  • Annual fee: Free

Representative 22.9% APR variable

See if you qualify for the sign-up bonus +

There is no sign-up bonus on the free Virgin Atlantic Reward Mastercard.

You may want to consider applying for the Virgin Atlantic Reward+ Mastercard instead.  This comes with a £160 annual fee but has a sign-up bonus of 15,000 Virgin Points.  You also receive a higher earning rate of 1.5 miles per £1 spent.

Learn more about the card benefits +

All Virgin Atlantic credit card holders receive free access to Virgin Money lounges across the UK.

When you spend £20,000 per year on the free Virgin Atlantic Reward Mastercard, you can choose a benefit.  This is what you can pick from:

A 2-4-1 voucher, valid for two years, for a Virgin Atlantic cash flight or a Virgin Flying Club redemption, in Upper Class, Premium or Economy

A return upgrade – on either a cash or miles ticket – from Premium to Upper Class, or from Economy Delight/Classic to Premium.  You can either upgrade 1 x return flight if travelling alone or 2 x one-way legs of two return flights if travelling with someone else.

A Virgin Clubhouse lounge pass (requires a same-day Virgin Atlantic, Delta, KLM or Air France flight)

Here’s the small print:

If you are a Red (no status) member, you need to pay 50% of the miles for your 2nd ticket if you redeem your 2-4-1 voucher in Upper Class.  This means that, for Upper Class redemptions for Red members, it is effectively a ‘2 for 1.5’ voucher. For Economy or Premium redemptions, it is a genuine ‘2 for 1’.

If you are a Gold member, you would receive two Clubhouse lounge passes instead on one if you chose that option

Taxes and charges need to be paid on the ‘free’ ticket as part of your 2-4-1 booking

Vouchers are valid for two years and you must fly the outbound leg of your trip before the expiry date

The two Virgin Atlantic Mastercards compete with the Barclaycard Avios Mastercards. 

The free Virgin Atlantic card is worse than the free Barclaycard Avios Mastercard (0.75 Virgin Points per £1 vs 1 Avios per £1) …….

Virgin Atlantic Reward+ Mastercard

Bonus: 15,000 points

Read our full review

Other information:

  • Get a ‘2 for 1’ voucher, valid on cash or points tickets, when you spend £10,000 in a year
  • Alternatively, claim an upgrade voucher or Clubhouse lounge passes
  • Get free access to Virgin Money lounges across the UK
  • Annual fee: £160

Representative 63.9% APR variable based on an assumed £1,200 credit limit and £160 annual fee.  Interest rate on purchases 22.9% APR variable.

See if you qualify for the 15,000 points sign-up bonus +

You receive a bonus of 15,000 Virgin Points with your first purchase.

There are no restrictions on earning the bonus if you are accepted.  However, you cannot apply for a card if you currently have, or in the previous six months have had, a Virgin Atlantic credit card.

Learn more about the card benefits +

All Virgin Atlantic credit card holders receive free access to Virgin Money lounges across the UK.

When you spend £10,000 per year on the Virgin Atlantic Reward+ Mastercard, you can choose a benefit.  This is what you can pick from:

A 2-4-1 voucher, valid for two years, for a Virgin Atlantic cash flight or Virgin Flying Club redemption, in Upper Class, Premium or Economy

A return upgrade – on either a cash or points ticket – from Premium to Upper Class, or from Economy Delight/Classic to Premium.  You can either upgrade 1 x return flight if travelling alone or 2 x one-way legs of two return flights if travelling with someone else.

A Virgin Clubhouse lounge pass (requires a same-day Virgin Atlantic, Delta, KLM or Air France flight)

Here’s the small print:

If you are a Red (no status) member, you need to pay 50% of the points for your 2nd ticket if you redeem your 2-4-1 voucher in Upper Class.  This means that, for Upper Class redemptions for Red members, it is effectively a ‘2 for 1.5’ voucher. For Economy or Premium redemptions, it is a genuine ‘2 for 1’.

If you are a Gold member, you would receive two Clubhouse lounge passes instead on one if you chose that option

Taxes and charges need to be paid on the ‘free’ ticket as part of your 2-4-1 booking

Vouchers are valid for two years and you must fly the outbound leg of your trip before the expiry date

……. but the paid cards are equal, each earning 1.5 Virgin Points or Avios per £1.

The premium Virgin Atlantic card has a lower fee than the Barclaycard Avios Plus Mastercard (£160 vs £240) but Virgin Points are far less flexible than Avios given the small Virgin Atlantic network.

You can apply for the free Virgin Atlantic Mastercard here.

You can apply for the £160 Virgin Atlantic Reward+ Mastercard hereThe paid card comes with a sign-up bonus of 15,000 Virgin Points.

Conclusion

After a few thin years, these are vintage times for anyone looking for a new Visa or Mastercard with travel rewards.

The two new Barclaycard Avios Mastercard cards are EXCELLENT products and you are very likely to want to add one to your purse or wallet. The Virgin Atlantic cards also offer good value to anyone who is confident that they know how to maximise the value of Virgin Points.

We strongly recommend looking at the Barclaycard Avios Plus Mastercard – click here – with its bonus of 25,000 Avios.

Further reading: click here for our full directory of the best airline and hotel credit cards and click here to see all of our airline and hotel credit card reviews.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibly to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points. The site discusses products offered by lenders but is not a lender itself. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as an independent credit broker.

Comments (74)

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

  • Warren says:

    Don’t waste your time on the Avios Barclaycard – after about 4 weeks of waiting they sent me a card with a £200 credit limit (my Amex is a five figure limit). Useless and impossible to earn the sign up bonus. Worse – when I cancelled the card they agreed no charges but have subsequent charged me -AND issued a default notice when I didn’t pay. Now I am being told they can’t access my account to investigate. Totally useless scam.

    • flyforfun says:

      I got a 5 figure limit with mine. My Experian credit rating is 999 though.

      They were horribly slow in delivering it however. Not the super service from Amex here, despite the high price tag for the Barclaycard.

    • J says:

      Agreed. I got my limit raised after 2 months, but now can’t spend any meaningful amounts on the card. £20 transactions process, but anything 3 or 4 figures gets refused. Impossible to hit the sign up target to get the bonus. Scam.

    • Rob says:

      You clearly didn’t read the emails / screen when accepted.

      The £200 is a HOLDING LIMIT for people whose income they can’t verify electronically, which is anyone whose last PAYE filing does not match the income they declared to Barclaycard. Once you send them your last tax return you get the higher limit which was indicated on screen at the point of application.

      • Rui N. says:

        Not even that in my case. I just had to give them temporary access to my bank account under Open Acess and got £14k instantly. But like you said it was very clear in the last page that the £200 limit was temporary. I understand not reading the full t&c’s, but not even bothering to read the bare minimum when applying for a CC…

        • C says:

          Nor in mine – I’ve had the Barclays Premier current account for a few years (and pay my salary directly from my employer into it) and they couldn’t auto verify me on their systems. Had to send in payslips, then couldn’t get connected to the online account / app and finally got turfed out of app access for my current account. Cancelled it after a month as the service was so abysmal which was a shame given the product itself. Terrible processes / service for a paid credit card.

          • Mikeact says:

            And isn’t the Barclays voucher based on £1 Avios redemptions only ?

      • J says:

        @Rob – Yes, that was clear in their email. But, ridiculous they took 2 months to verify income docs and increase limit. And now are seemingly blocking anything other than tiny transactions.

    • RJ says:

      This seems weird as both mine and my wife’s came through in a few days, both with 5 figure limits, and I’ve hit the spend targets in 2 transactions on each. Bonus points and spend points all posted and received within a few days

  • Rob H not Rob says:

    So, Visa are just not at the races these days.

  • Klaus says:

    How come you didn’t mention Curve as an option to avoid fees (or limit them to 0.5%)? Used to get mentioned all the time. Has there been a falling out? Even the weekend Charger has been removed for the summer

    • flyforfun says:

      Curve is a great way to save fees and earn points! They’ve just increased the fee free limit up to £1000 per 30 rolling days. Even with their fees it was still cheaper than my Barclaycard rate!

    • Rob says:

      Because there are now virtually no cards we cover which still let you link Curve and/or don’t treat the typical HfP reader transactions as either cash withdrawals or (HSBC) don’t give points.

      Looking at our forum, many readers are having their Barclaycards closed down after just a few weeks. The common thread appears to be using Curve.

      It has simply got too risky to recommend.

      • Rui N. says:

        So, you think that the majority of HfP readers use their cards for MS and not for everyday spending? WOW. That’s That’s quite the acknowledgement. That comment regarding Curve and Barclaycard is quite different from what you’ve written on the forum.

        • Rob says:

          I’m not saying that, I’m saying that it is now too difficult to write about Curve given that every Visa / MC issuer treats different sorts of Curve transactions in a different way.

      • Klaus says:

        Wow. Given that Barclaycard (Avios card) can’t sort out my MasterCard 3DS security or Apple Pay I use it exclusively with Curve. Run about 15k through it. It is such a badly executed card

        • Rob says:

          Apple Pay works fine with Barclaycard Avios now. Has done for a month.

      • pauldb says:

        Has this become common – I’ve missed it if so, and would have expected it to blow up into a big topic like Creation? Why not just stop the Curve pairing?

      • Brian says:

        Rob can you clarify on this? I’ve never used my curve for ‘cash transactions’ or ‘churning’. Are there examples of accounts being closed if the user has only used curve for regular transactions?

        • Blair Waldorf Salad says:

          Yet again, where is the FCA in all this?!? Curve is regulated and authorised by them; yet card providers are shutting down accounts because of Curve use. It’s either one thing or the other – legitimate and approved, or not legit and thus not approve-able as a concept. This whole thing is starting to feel like the next PPI compo….

          • Rob says:

            Barclays doesn’t need an excuse to shut you down. You are, at the end of the day, spending their money when you use Curve. Good luck persuading a regulator that a bank should be forced to let you use THEIR money in ways they don’t agree with.

        • Rob says:

          Have a look at the thread on Barclaycard closures in our forum.

          • Blair Waldorf Salad says:

            “Good luck persuading a regulator that a bank should be forced to let you use THEIR money in ways they don’t agree with.” – no, not the FCA intervening with Barclaycard. The FCA should be taking an interest in Curve trumpeting a feature of their FCA-approved product being Fronted, when card providers are behaving as if Fronted is an abhorrence. If the stories of closures are related to Curve Fronted, then the FCA are presiding over a situation where cardholders are being summarily shut down because they reasonably believed Fronted is a legitimate feature. The concept of ‘fairness’ under the law is growing in terms of regulated sector jurisprudence; it seems ‘fair’ that Joe Public could expect all features of the FCA-approved Curve card to be legit.

      • Harrier25 says:

        Where on earth is the proof that providers such as Barclaycard are closing card accounts just because they have been linked to Curve??

        • Rob says:

          There is a thread in our forum from people whose accounts have been closed after 4-6 weeks of having the card, and the common thread appears to be that all have used Curve. This is not officially confirmed of course.

          • Harrier25 says:

            With all due respect Rob, all those comments relate only to the new Avios cards which have been riddled with constant issues since launch. There are no comments regarding any of Barclaycard’s back catalogue, such as the Hilton Honors card.

          • Rob says:

            Never said there was! These cards have not been available for over 4 years and we treat them as if they don’t exist for editorial purposes.

          • Harrier25 says:

            …and long may it last, for at least another 4 years anyway!🤞

        • Ian says:

          I use Curve with two barclaycards, virgin cards, nationwide card every month.

          No issues.

          Also withdraw cash via barclaycard to curve.

          • Mikeact says:

            I guess the Sainsburys or Nectar card with Curve is as good as any nowadays, for either Avios or Nectar points.

      • Alan says:

        A very sensible decision, Rob. Curve CS has got worse and worse and the risk of getting cards closed by linking to it is too high. Was nice while it lasted.

  • Lee says:

    Aside credit card, Chase is one of the best option with no FX and 1% cash back which is even better than curve with HH Barclaycard

    • georgeH says:

      Yes. Why would you pay 0.5% when you can pay 0%?

      Strange that this hasn’t been mentioned. Very strange indeed.

      • Ian says:

        Would it be cynical of me to suggest the reason might be that they don’t get a commission from Chase?

        • JDB says:

          The article is headed “which is the best …credit card to get”. So why are you expecting the article to recommend a debit card?

          • Alan says:

            Because it is a bit like recommending a car, and reeling out BMW, Alfa, Vauxhall, Ford etc., but neglecting to note you can have a Merc for less. Also Aqua Rewards plus others are available.

          • georgeH says:

            “The article is headed “which is the best …credit card to get”. So why are you expecting the article to recommend a debit card?”

            “You pay abroad with your Currensea Mastercard debit card”

            Yet a debit card is exactly what has been recommended. Hmm

        • Ian says:

          that is why Curve is not mentioned now, I guess.

          • Rob says:

            Curve pays us and we are not covering it now because it causes readers more problems than its worth.

            HSBC doesn’t pay us and we give it huge plugs all over the site (as we did for IHG for years when its cards were open to all).

            Let’s have a look at the stuff we’ve promoted over the Bank Holiday – BP (don’t pay us), Virgin Hotels (don’t pay us), Marriott Business Ready (doesn’t pay us for sign ups), HSBC cards (don’t pay us), British Airways flights (don’t pay us), Cruise118 (don’t pay us), United Airlines (don’t pay us), Nectar (don’t pay us), Graduate Hotels (don’t pay us), Hyatt (don’t pay us), Comair (don’t pay us), LNER (don’t pay us), JetBlue (don’t pay us) …. need I go on?

            If you think that only writing about stuff that pays us would make us more money than writing about whatever is most interesting for readers on that particular day, then you don’t know much about business.

          • Blair Waldorf Salad says:

            Honestly some of comments about what this site chooses to write about are bordering on entitled. HfP is one of the few sites I read where I don’t need a spare finger ready to shut popup ads or intrusive ad banners. The reason we have a thriving (sorta…) forum that is user-directed is because the main site pays for the forum costs.

    • georgeH says:

      I’ve achieved 1%. Didn’t even know there were any exclusions as none seem to have applied to my day to day spending.

      The FX rate they give is good too.

      Superb product

    • Mikeact says:

      ‘Curve pays us and we are not covering it now because it causes readers more problems than its worth.’

      Isn’t that a bit naughty when the others you list pay nothing but are regularly mentioned ?

      • Rob says:

        No, because we cover what’s best for readers. That’s how you get and retain readers.

    • Alan says:

      I’m getting 1% with lots of hotel/travel/restaurant spend when I was abroad.

  • RussellH says:

    > there are now no Visa or Mastercard products which earn hotel points.

    Perhaps this should be a warning against getting rid of such cards!
    I for one am pleased that I have held onto my Marriott + IHG M’Cards and my Hilton Visa.
    These points get used on a regular basis, but no idea when we shall fly anywhere again. We may end up converting all our avios to Nectar and have a spree at Sainsbury’s.

  • Greg says:

    You state with IHG c.c. closing no hotel point earning cards exist. I though that Hilton Honors offered points?

  • RJ says:

    Doesn’t seem like there’s any way of “downgrading” from the Virgin Atlantic Reward+ card to the free one. Is anyone is aware of a work around for this or is it just a question of applying for a free one and closing the Reward+ account?

    • Rob says:

      1. Cancel Plus card
      2. Apply for free card
      3. Be refused the free card (no six month gap)
      4. Ring and explain that you were downgrading and that this is the process the call centre advised you to take (which it is)
      5. Have free card application approved via a manual override

      • RJ says:

        Thanks Rob. I guess you can’t switch points 1 and 2 around and transfer the balance to your free one before cancelling the plus card? Worth asking or not?

        • Rob says:

          Always worth calling of course – we rarely see readers who have a balance so this isn’t something that would come up.

  • harry b says:

    Still no news on the Avios Plus, Mastercard World Elite benefits ?

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

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