Barclaycard tweaks Avios earning on its credit cards
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Barclaycard shook up the UK credit card market in 2022 when it launched its two Avios credit cards.
Notwithstand their creaky IT, we have seen some exceptional benefits:
- a free Barclaycard Avios Mastercard earning 1 Avios per £1 spent and an annual upgrade voucher (or, soon, a 7,000 Avios bonus) for spending £20,000 per year – a package no other UK Visa or Mastercard can touch
- a paid-for Barclaycard Avios Plus Mastercard earning 1.5 Avios per £1 spent and an annual upgrade voucher (or, soon, a 7,000 Avios bonus) for spending £10,000 per year
- sign-up bonuses which have run as high as 50,000 Avios (!) for the paid-for Avios Plus Mastercard
Our review of the free Barclaycard Avios Mastercard is here. Our review of the paid-for Barclaycard Avios Plus Mastercard is here.
From 30th June 2023, Barclaycard is making a change to the cards. I would guess that it will have zero impact for 95% of HfP readers and probably 99% of broader cardholders, but it is worth flagging regardless.
There will be a monthly cap on Avios earning
Barclaycard is introducing a cap on the number of Avios you can earn each month.
This concept is not new. Virgin Atlantic has a cap on its two Virgin Atlantic Reward credit cards but the Barclaycard cap is FAR more generous.
If you have a Virgin Atlantic credit card, your monthly earning is capped at your credit limit. If you pay down your balance mid-month and run it up again, you won’t receive additional miles.
(For example, if your credit limit is £10,000 and you spend £8,000, pay it off after two weeks and then spend another £7,000, you will only earn Virgin Points on your first £10,000 of spending for that month.)
Barclaycard is limiting your monthly Avios earning to FOUR TIMES your credit limit.
Frankly, the number of people who spend their entire credit limit, pay it off, run it up again, pay it off etc x four must be tiny. It clearly is an issue for Barclaycard, however, hence this new rule.
It appears that the majority who do clear their account more than four times per month are doing so in relation to business spending. You cannot earn Avios on B2B purchases made with the Barclaycard Avios cards (see rule 4.4) and this change is part of a broader focus on enforcing this rule.
This rule change comes into force from 30th June 2023.
The full revised T&C document from 30th June 2023 is here.
Want to earn more points from credit cards? – June 2023 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:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
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.
SPECIAL OFFER: Until 13th June, the sign-up bonus on The Platinum Card is doubled to 60,000 Membership Rewards points – and you get £200 to spend at Amex Travel too! Apply here.
SPECIAL OFFER: Until 13th June, the sign-up bonus on the Virgin Atlantic Reward+ card is doubled to 30,000 Virgin Points. Apply here.
British Airways American Express Premium Plus
25,000 Avios and the famous annual 2-4-1 voucher Read our full review
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
60,000 points AND a £200 Amex Travel voucher until 13th June! Read our full review
Virgin Atlantic Reward+ Mastercard
30,000 points bonus (to 13th June) and 1.5 points for every £1 you spend 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 Platinum
40,000 points 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
Capital On Tap Business Rewards Visa
Get a 10,000 points bonus plus an extra 500 points for our readers 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.