Maximise your Avios, air miles and hotel points

How to maximise your Avios from flights if British Airways tier points no longer matter

Links on Head for Points may support the site by paying a commission.  See here for all partner links.

Since British Airways announced its new tier point structure, which will make it impossible for many of our readers to retain status, we have had many emails and comments asking us where flights should be credited to earn status more easily.

We’ll come to that over the upcoming weeks, but I think there is something that hasn’t been looked at.

If BA tier points no longer matter to you, you can credit your British Airways and oneworld flights to BA or Finnair or Iberia or Qatar Airways or (flying BA or American) Aer Lingus. All of these schemes earn Avios and all let you transfer them to your British Airways account.

You should no longer be crediting flights to British Airways Club by default.

How to maximise Avios from flights if BA tier points no longer matter

If you thought that you would earn the same number of Avios for a flight irrespective of whether you credited it to BA, Finnair, Iberia or Qatar Airways, you’d be wrong.

We never spent much time discussing this in the past because:

  • most people also wanted to earn British Airways tier points (no longer true) and
  • many people had BA status and would usually earn an Avios status bonus, making BA the clear best choice (soon to no longer be true)

Let’s look at three examples:

Maximising Avios from a long-haul business class flight on BA

Surely a BA flight will be most lucrative when credited to British Airways Club? Not necessarily.

Here’s what you get, assuming you have NO elite status with any of the programmes listed:

Sub-class J / C / D (flexible and semi-flexible):

  • British Airways: 6 Avios per £1 on base fare
  • Aer Lingus: 250% of miles flown
  • Finnair: 250% of miles flown
  • Iberia: 6 Avios per £1 on base fare
  • Qatar Airways: 125% of miles flown

Sub-class R / I (non refundable):

  • British Airways: 6 Avios per £1 on base fare
  • Aer Lingus: 150% of miles flown
  • Finnair: 150% of miles flown
  • Iberia: 6 Avios per £1 on base fare
  • Qatar Airways: 125% of miles flown

Obviously there is no easy answer as to which is best. However, let’s take Heathrow to Cape Town (12,000 miles return) as an example.

For a cheap R or I-class ticket, Aer Lingus and Finnair will give you (12,000 x 1.5) 18,000 Avios for the trip.

Your BA flight would need to cost more than £3,000 + taxes and charges, so roughly £3,500, before crediting to British Airways Club was a better deal.

Spend under £3,500 return and crediting to Aer Lingus or Finnair will maximise your Avios.

How to maximise Avios from flights if BA tier points no longer matter

Maximising Avios from a long-haul business class flight on Iberia

Let’s try the same thing with an Iberia business class flight. Where should you credit that?

Here’s what you get, assuming you have NO elite status with any of the programmes listed:

Sub-class J / C / D (flexible and semi-flexible):

  • British Airways: 5 Avios per €1 on base fare
  • Finnair: 250% of miles flown
  • Iberia: 5 Avios per €1 on base fare
  • Qatar Airways: 125% of miles flown

Sub-class R / I (non refundable):

  • British Airways: 5 Avios per €1 on base fare
  • Finnair: 150% of miles flown
  • Iberia: 5 Avios per €1 on base fare
  • Qatar Airways: 125% of miles flown

As with the BA example, the best option will depend on how much you paid for your ticket. If it wasn’t much, Finnair is likely to give you the most Avios.

For a more expensive trip, British Airways or Iberia – at 5 Avios per €1 – will be your best bet.

How to maximise Avios from flights if BA tier points no longer matter

Maximising Avios from a long-haul business class flight on Qatar Airways

Here’s a slightly different example. This is how many Avios you earn, assuming you have NO elite status, when you fly business class on Qatar Airways:

Sub-class C / J:

  • British Airways: 125% of miles flown
  • Finnair: 125% of miles flown
  • Iberia: 125% of miles flown
  • Qatar Airways: 200% of miles flown

Sub-class D / I:

  • British Airways: 125% of miles flown
  • Finnair: 125% of miles flown
  • Iberia: 125% of miles flown
  • Qatar Airways: 175% of miles flown

Sub-class R:

  • British Airways: 125% of miles flown
  • Finnair: 125% of miles flown
  • Iberia: 125% of miles flown
  • Qatar Airways: 125% of miles flown

Sub-class P:

  • British Airways: 75% of miles flown
  • Finnair: 75% of miles flown
  • Iberia: 75% of miles flown
  • Qatar Airways: 75% of miles flown

This example is easier to understand because no-one credits Qatar Airways flights based on what they cost. All four Avios partners who accept Qatar Airways flights (Aer Lingus does not) use a percentage of miles flown.

As you see, for a Qatar Airways business class flight, Qatar Airways Privilege Club will beat the best Avios earn rate elsewhere if you have a flexible business class ticket

For less flexible ticket types, whilst Qatar Airways usually matches the other options, it would be easier to credit directly to British Airways Club to save yourself the hassle of moving the Avios across. However …. crediting a Qatar Airways flight to Qatar Airways Privilege Club also lets you double dip and earn Accor Live Limitless hotel points at the same time. If you collect Accor points, you should always be crediting to Privilege Club.

Conclusion

If British Airways tier points no longer matter to you, it makes sense – for every different oneworld alliance flight you take – to check the earning rate with British Airways Club, Finnair Plus, Iberia Plus and Qatar Airways Privilege Club, plus Aer Lingus if flying BA or American Airlines.

You can then credit your flight to the scheme which will give you the most Avios, using ‘Combine My Avios’ to move them to ba.com if necessary.

Unfortunately there are far too many permutations to draw up a comprehensive list (Royal Jordanian business class flights in J should go to Qatar Airways or Finnair at 150% vs 125% elsewhere, for example, but C or D sub-class should only go to Finnair at 150% vs 125% elsewhere) so you will need to put in the legwork to maximise your Avios.

Useful links

British Airways – Avios earned by partner airline (scroll down to find your carrier)

Aer Lingus – Avios earned when flying BA or AA

Finnair – Avios earned by partner airline (scroll down to find your carrier)

Iberia – Avios earned by partner airline (click the relevant airline icon)

Qatar Airways – Avios earned by partner airline (click ‘oneworld airlines’)


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (April 2025)

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

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £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

30,000 Avios and the famous annual 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 £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large 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, and the standard card is FREE. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business

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

50,000 points when you sign-up and an annual £200 Amex Travel credit 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 (117)

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

  • PaulC says:

    Have tier points ever really mattered to people not living near London? We never book a short haul economy flight to make use of the benefits because it takes twice as long to get to our destination flying via London! The only useful benefit to us would be booking seats prior to check in but that’s never been worth a tier point run.

    • Ikaz says:

      Plenty of non-London based status holders. I used to live in Scotland and earned gold just with return trips to London, so no connecting flights

      • Andrew. says:

        Thursday/Friday evening flights to Scotland:-

        Passengers in boarding group one – 100
        Passengers in boarding group two & three – 80
        All other passengers – 20

        You might want to query the importance of the status, but the volume speaks for itself.

        • PaulC says:

          Ikaz and Andrew if you are working in London and commuting then you are practically a Londoner 🤷‍♂️

          For people who want the benefits on the cheap because they don’t want to pay for Business class flights then what can I say…

    • John says:

      Not everyone near London cares/cared about tier points either.

    • BJ says:

      I think they don’t matter much to most of those who only pay or redeem premium cabins. I am in that group but admitedly it is a bit short-sighted as failing to play the status games means you miss out on status bonuses on redeemable miles/points.

    • Shaz says:

      This site has a lot of hobbies so yes, in this audience it does matter for a lot of people.

  • hugo r says:

    Hi sorry if already answered within the 4000 previous comments about the tier point changes
    What happens if you book your BA flights through a travel agent using negotiable fares which are not shown on the ticket – do they get nothing or

    • Phillip says:

      Even though you as a customer don’t get to see the actual fares, the travel agent does as, of course, does BA.

      • Jenny says:

        Yes true, but at the moment my work bookings made through my corporate travel agent yield Avios on the old table rather than revenue related, despite the Avios change, so it’s a legitimate question.

        • Nick says:

          The real answer depends on who is negotiating the net fare. For true corporate fares, the net fare is transparent to both parties, so it should earn based on the new system. For agency net fares (where the agent agrees rates with the airline), BA is not allowed to know what you pay, and they don’t want you to know what the agent pays them, so it earns under a distance-based model.

  • Tracey says:

    You also need to factor in the extra avios you get when you buy from BA using your BA Amex card.

    • Mark says:

      That’s irrelevant for the purposes of this comparison as it has nothing to do with where you should credit the flight, e.g. you can book with BA and still credit the flight to Finnair for example.

  • BJ says:

    It is good that HfP is considering this and other related repercussions of recent (and likely future) BAEC changes. However, it will be extremely frustrating if HfP and, by extension, its readers continue to have myopic avios tunnel vision. That avios are by far the easiest FF currency to collect in the UK does not warrant over-emphasis on them at the expense of all others. Given that avios can be purchased for 1p each tops any time required, and that the cost of BAEC redemptions on longhaul BA flights has gotten both silly (compared to other OW avios alternative carriers) and undermines the value of using vouchers on BA, it is now time even for UK-based avios collectors to seriously consider reducing their emphasis on avios in favour of diversification. Diversification has always been smart as HfP has often argued. With the changes in BAEC to date along with further changes down the line to it, Finnair, Qatar, Iberia and Aer Lingus I would argue that there has never bern a better time to end the myopic avios tunnel vision than now and to do so seriously. Coming back to the article title, diversification would provide the opportunity not only to maximise redeemable miles but also to earn and retain new status in different schemes that can still be used on BA. I’m not suggesting everyone ditch avios, only that they not become over-obsessed with them and play the benefits of diversification much more seriously. It is obvious from comments on HfP that some readers are into this in a big way and as a result do not suffer the angst common to all those with their eggs in one basket when changes or devaluations come along.

    • Qrfan says:

      Did you really miss the plethora of articles over the past decade saying repeatedly that convertible credit card points are more valuable than Avios?

      • BJ says:

        No but the only convertible credit card points you can get from flying are those based on payment method and amounts not the distance or carrier flown. There have also been some devaluations in transfer rates so while they are obviously worth holding, they too are not immune to changes.

        • Mark says:

          Diversification can lead to it’s own problems. I got my fingers burnt with SQ due to it’s strict expiry policy, COVID and getting very little in terms of expiry extension because I built up a balance just before COVID with specific redemptions in mind that I then couldn’t use and ended up converting the last of them into Marriott points. You may say what has happened to Virgin Atlantic redemptions is a good argument to diversify, but for many that’s now one less obvious diversification option depending on where and when you want to book redemptions.

          As someone who earns mostly from credit cards and other non-flying options, I’m sticking mostly with Amex MR and Avios as things stand. We’ll see what happens with Avios, but at least the range of opportunities to use them now through QR and AY as well as the IAG airlines builds in some diversification of its own.

          • BJ says:

            No strategy is perfect but diversification is smart provided one can get enough out of it to be useful. A major problem is that for mist people their goal is to collect huge amounts to facilitate longhaul premium and aspirational travel. I cannot argue with that hoal but to make diversification work it can often be necessary to adjust goals to do more with less, on say premium or regional or shorthaul rewards. No one-size fits all and in light of flux in the loyalty industry there is nothing to be lost in people re-evaluating their strategies, particularly those who only rarely or never do.

          • memesweeper says:

            Lots of people struggle to get enough Avios for even one good redemption (eg all my children). But, for those that travel a great deal and/or spend a lot on cards (and are prepared to do the maths) diversification can be smart. Potential ‘gotcha’s’ are:

            – never building a high enough balance in the non-core scheme(s)
            – points expiry
            – ensuring non-core schemes you credit to are top-up partners for Amex/HSBC/RevPoints/Rocketmiles/Heathrow (delete as appropriate depending on your spend patterns)

            If my balance is over 100k I’ll look to credit elsewhere. No point in having a low balance anywhere.

            I’ve previously saved with Etihad, Singapore and Cathay — all off my list, at least for now. Having a different focus scheme for flight crediting versus financial partners is also an approach for people who have a lot of different avenues for earning miles and/or status.

            All of this can get really, really complicated. Most people want simple, and for the largest number of direct redemptions out of the UK, that’s going to be Avios, and for status, it’s going to be oneworld.

  • Speedbird676 says:

    Life just got complicated.

    • r* says:

      Its basically that its now best to never credit anything to BA, including booking flights with them if theres an alternative available.

    • BJ says:

      If you feel it has got complicated then there’s little point sticking mostly to avios for simplicity; consider the value of serious diversification.

  • Claire says:

    Im not bothered about status as I usually fly business for anything over 4 hours and under I tend to fly from bristol (nearest) where status doesnt matter. Second use ChatGPT. I always use it to work out collecting my avios and best redemption rates for avios flights particularly if its a points and cash based thing. You have to watch it a bit in the beginning and prepared to question how it has arrived at an answer but it gets better as it understand the rules.

    • John says:

      ChatGPT doesn’t “understand” anything

      • Panda Mick says:

        ^^^^^^ This

        It’s a model. Which has been trained to fail gracefully Just as much as if you stopped a random person in the street and asked them about quantum entanglement, with them giving you a nonsensical answer.

        Alternatively, inserting hedgehogs into long term climate models.

        Garbage in, garbage out.

        Half an hour with excel and a bit of googling, as Rob has done, will give you the results that you need

        • Scotsman says:

          +1

          Can rest assured for 30mins work you’ve got the right answer in regards to where to credit your avios. Just did this for my regular flights to/from GLA and LHR, in addition to checking if moving to EZY flights from LGW were more cost efficient given no need for TPs now.

      • memesweeper says:

        Indeed it does not. It’s not even the best reasoning LLM, nor (in my experience) does it have the best data. Perplexity, Claude and Gemini are all decent alternatives, and there really is no harm in asking all of them the same question.

        I did this last night with a question that is relevant to my work and got wrong answers, as in completely unworkably definitely won’t work wrong answers, from all of them.

        If you don’t care if the answer is wrong (and where to best credit a specific flight is definitely a first world problem if sub-optimally credited) by all means ask ChatGPT.

  • Bedminster Girl says:

    As a very silver-haired Leisure Silver Traveller until March I won’t be paying the £300 Amex fee anymore. Amex spend will be considerably reduced, and am looking at a Nectar Credit Card instead. Another passenger defecting.

    • ken says:

      Surely the main reason to hold the BAPP card is the 241 voucher alongside an excellent points rate.
      Then the main worthwhile use of said voucher is on a CW redemption.

      Considering you can earn (or buy) Avios in a load of different ways.

      What’s changed to make you want to dump the card ?

      • Rob says:

        There really should be no link between your decision to move cash flights from BA and any decision over Avios / BA Amex etc.

        • memesweeper says:

          In general, who to buy and where to credit cash flights and how to earn and spend redemptions are different questions with independent answers.

          However, the fact Virgin allow their redemptions to count for status might edge you away from BA and Amex and towards Virgin flights credit cards.

        • NicktheGreek says:

          Surely that’s not strictly true? Perhaps the 3 avios per £ through booking, and the sum of avios (albeit small) earned through flying was enough on a yearly or two yearly basis to earn enough avios for a decent redemption. If not paying cash for BA flights, then that earning stream is gone and so too the meaningful balance of avios for which you’d strive to use the voucher with. I could see that house of cards crumbling for many a casual user/collector.

          • Rob says:

            You’ll still get 1.5 Avios per £1 buying flights with a competitor airline though! Or use Amex Gold and get 2 MR points (2 Avios) per £1 on flight spend.

            Given that you can pick up at least 100k per year simply rotating Amex cards (observing the 2 year cancellation period), or 200k if your partner plays too, the loss of a few from flights isn’t moving the dial much.

  • Claire says:

    “interprets” then …whatever

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

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.