Maximise your Avios, air miles and hotel points

Which is the best hotel loyalty programme for earning Avios points?

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The general consensus about hotel loyalty programmes is that Marriott Bonvoy is the only scheme where it is is worthwhile trading your points for airline miles.

There are a couple of reasons for this.  The first is that – since the conversion rate for most airlines including British Airways is 3:1 – it feels more generous than the competition.  IHG One Rewards is 5:1 into Avios.  Hilton Honors is 10:1.  Points are not all created equal, however, so you shouldn’t read too much into these ratios.

Secondly, Marriott Bonvoy adds an extra 5,000 miles to your pot if you convert 60,000 points at once.  This means that you are getting 1.25 airline miles for every three Bonvoy points if you convert in chunks of 60,000.

Is the ‘Marriott is best’ view born out by the maths?  I thought I would run the numbers.

The question I asked myself was …..

How much do you need to spend with the major hotel schemes to earn 10,000 Avios?

I am assuming that the reader has whatever status in a particular comes with doing 20 nights via 20 one-night stays per year in the relevant loyalty programme.  Given the amount of money you need to spend to earn 10,000 Avios this is a logical assumption.

I have ranked the results by lowest spend to highest spend needed to earn 10,000 Avios.  These numbers are all based on net spend, ie without VAT, and assume you have whatever status comes with doing 20 one-night stays per year.

Marriott Bonvoy – $2,727

10,000 Avios requires 30,000 Marriott Bonvoy points.  You earn 10 points per $1 at most full service brands plus a 10% bonus for being Silver Elite (requires 10 nights).

Accor Live Limitless – $3,290  (€3,225)

10,000 Iberia Plus Avios requires 10,000 Accor points (the conversion rate to BA is worse so you should credit stays to Iberia and move them across via ‘Combine My Avios’).  At most midscale brands, eg Novotel, you earn 3.1 points per €1 as a Silver member (requires 10 nights).

IHG One Rewards – $3,571

10,000 Avios requires 50,000 IHG One Rewards points.  You earn 10 points per $1 plus a 40% bonus for being Gold Elite (requires 20 nights).

Radisson Rewards – $4,000

10,000 Avios requires 100,000 Radisson Rewards points.  You earn 25 points per $1 for being Gold (requires 20 stays).

World of Hyatt – $4,545

10,000 Avios requires 25,000 World of Hyatt points.  You earn 5.5 points per $1 for being Discoverist (requires 10 nights).

Hilton Honors – $5,555

10,000 Avios requires 100,000 Hilton Honors points.  You earn 18 points per $1 being Gold (requires 20 stays).

This analysis does not consider the fact that some chains let you earn miles directly if you agree not to earn points.  Because these are generally fixed amounts such as 500 Avios per stay they may work out better for you if you do lots of cheap one-night stays.


Marriott Bonvoy remains the most rewarding programme for earning hotel points if your ultimate aim is to convert them into airline miles.

The only caveat – and it is a large one – is that Hilton Honors and IHG One Rewards were, pre covid, more aggressive in terms of running bonus point promotions.  It remains to be seen if this is the case, but it’s worth noting that, as of today, the only chains running promotions are Hilton and IHG (click for our list of all current promos).

I would also encourage you to think twice before converting hotel points into Avios.  If you will never earn enough for a free night then it is obviously a good idea to transfer them, but in general you will maximise value by using hotel points for free hotel nights.

PS.  Take a look at this article if you are interested in using your Avios points to book hotel rooms, instead of earning Avios from them. This should always be done via Nectar Hotels (0.8p per Avios) and never via the British Airways hotel booking portal (0.55p per Avios).


How to earn Avios from UK credit cards (November 2022)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous 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

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

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

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.

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

Run your own business?

We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,000 Avios.

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

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

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points sign-up 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

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (11)

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

  • PJJ says:

    Surely Avios Hotels on the B.A. site is worth looking at ?
    Spending £700 at 15 miles per pound gives you 10,500 Avios
    I agree you don’t get your status benefits

    • JDB says:

      The earning rate looks very attractive, but the prices are often quite a bit higher and although they don’t make them especially clear, the cancellation terms are usually very onerous.

      • BJ says:

        +1, almost always nonrefundable in my experience. I avoid nonrefundable hotel rates like the plague unless they are close in and I know I’m definately going to stay.

  • BJ says:

    Bonvoy have never ever offered my partner or I a single bonus point or free night promotion regardless of being signed in to all marketing for years. All we ever get is marketing for luxury resorts or homes and villas. Even the open to all promotions are unattracrive due to the “starting with your second stay” clause which is always a deal breaker for me. Despite this Marriott points remain the only hotel points I have ever converted to miles/avos but I only ever do so when a conversion promotion is run.

    • WaynedP says:

      Log into your account on a laptop periodically and check the “Offers” tab. Not all offers come through on emails.

      Plus for every hotel that you select as a favourite (press the heart icon) you should see general offers that they are running. Sometimes these are quite good like 50% on second room booked or 4 nights for price of three.

  • Lady London says:

    Any promotion which only earns ‘starting from your second stay’ I walk away from and makes it less likely I will even open other promotions received from that program.

    It’s just cheap.

  • Alex W says:

    The general consensus is that earning Avios from hotel stays is generally a bad deal. You are always better off collecting the hotel’s own loyalty points instead.

  • BSI1978 says:

    Rob – have Hyatt given you any hint that they have, even historically, considered partnering or introducing a UK credit card?

    They have a much increased footprint (in London at least) relative to a few years ago, delayed openings notwithstanding….

    • Rob says:

      They don’t even have any people in the UK – it’s all run out of Zurich.

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

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