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.

  • Chris says:

    Here’s one I am wondering at the moment.

    I have a first class flight booked with BA using a GUF2 voucher – booked into the ‘A’ cash fare class bucket using enhanced availability for GUF2 vouchers. Not the most prudent use of Avios necessarily but it was a way of forcing open reward availability where it didn’t exist in biz and there was no ‘I’ class in biz either.

    Manage my booking indicated before the changes that I would receive full tier points for this flight as it is technically booked into a cash fare class. Whether this would actually have ever happened I do not know having never done this before. In the new world, the tier points are linked to post tax spend, of which there is none.

    I am wondering if I try and credit this to another oneworld FF scheme will it: 1) credit as if it is a cash ticket, 2) if so where is the most efficient place to do this. My thinking is BA’s IT may not be smart enough to tell other oneworld carriers that it’s actually a reward booking booked into a cash fare class, and if so, I’d get a benefit from that.

    • AJA says:

      Whatever you do don’t credit to Finnair as that scheme considers A class as a restricted economy fare.

    • JDB says:

      @Chris – for what it’s worth the issue of revenue classes being used for reward tickets pops up quite often when people are rerouted and they often duly receive windfall Avios/TP (or peculiarly, one but not the other).

      Whether you receive them or not isn’t an IT issue – any auto issued ticket will correctly block accrual. It’s when agents manually (re)issue tickets that they forget to add the relevant endorsements that prevent the earning of Avios/TP. There are quite a lot of agents in a hurry that have poor ticketing skills…

      • Chris says:

        Ah this is interesting I didn’t know this. I think, given that it can’t hurt, I should try and credit this flight assuming anything does actually come through to my Qantas FF account. I fly a fair bit each year in Australia domestically so this would give me another avenue for redeeming that I would use regularly. This F booking I am referring to is indeed a manually issued ticket. Lets see!

        • Mikeact says:

          I guess you’ve seen the news coming out of Australia re Qantas.Big changes from April, earning and burning.
          I guess they called BA for advice, or maybe BA called them first…”Make your changes, and if it works, we’ll join you and follow suit.”

    • LondonFoodie says:

      I did have in the past scenarios where I got TP and Avios for Avios flights (J to JNB – got me an extra year of Silver back in 2016). But BA IT seems to be more up to speed these days. I had an Avios flight rebooked this December into Qatar, and despite being booked in full fare (Y) we didn’t end up getting any Avios. So mistakes could happen, but I wouldn’t count on it and I think by now they have some overrids flag that says “free flight” regardless of booking class.

  • AJA says:

    If you’re buying C/J/D class fares which are flexible or semi-flexible then they’re likely to be expensive fares so crediting to BA might still pay off given you’re likely to earn at least Bronze and possibly Silver status on one longhaul return flight.

    Taking CPT as an example, flying on 10Jun returning 19Jun in J the fare is £11,368 of which government taxes is £300 meaning you earn Silver status in one flight and be half way to Gold.

    If you chose a restricted fare departing 9Jun returning 19Jun direct on BA the fare in I and R class is £4,147 and again has the same government taxes of £300 meaning you’d earn Bronze status

    If credited to any other of the Avios earning alliances would you earn the equivalent OW status in one flight?

    Of course flying to New York where the fares are cheaper changes the result but again how close to status does that flight get you? Even at £2.1k incl £327 of taxes it’s likely to get you half way to Bronze status. Do you get half way to OW Ruby if credited to any of the other Avios earning FFPs?

    • LittleNick says:

      Re your NYC example, crediting the a return Business on BA to Iberia gets you half way to Oneworld Sapphire rather than Ruby on BA. For 90% leisure travellers there’s no point crediting to BA anymore

      • AJA says:

        Thanks but looking on the IB website IB Oro equivalent to BA Silver requires 2,250 Elite points

        And only on Spain to North America on IB marketed and operated flights would you earn 1000 points but on BA from LHR to JFK the distance is 2999nm per great circle mapper which only earns 225 points per sector so 450 in total which is not even half way to IB Plata equivalent to BA Bronze. It’s close but actually BA is slightly ahead unless you fly indirectly via MAD in order to fly on IB.

        The other issue is how do we know IB won’t also adopt the same TP per spend scheme that BA has moved to?

        • LittleNick says:

          AJA, IB status is not done on nm, but miles, so it falls over 3001 so each leg will get you 500 EP, so 1000 return just under 50% required for OWS.

          Re IB adopting revenue based status, their T&Cs require at least 1 month notice so we’ll know by the end of February whether they’ll adopt it for the April 25-Mar26 period otherwise they’ll be ok for that period. But it is likely at some point they’ll move to revenue base but as others have said the Spanish market is not the same as London, so their rev base may be more lenient than BA’s new club

    • Not Long Now... says:

      Surely the real question is why would you not book QR for £2500 and use a fraction of the left over cash to buy whichever status niceties you fancy when flying at other times?

      • LittleNick says:

        @Not Long Now, I presume you’re suggesting not accruing status in one scheme but just flying the obviously better QR? Sadly they don’t fly LHR-JFK, otherwise they’d be killing it! But If I’m flying AA domestic US, no matter how much cash I have left over, I can’t buy AA flagship lounge access, which non-AA OWS gets. In 2024 I accessed QF F lounge at LAX on an AA domestic with my BA Gold on a QR issued avios ticket!

      • Ken says:

        This.

        There is though a physiological barrier as people get status and then the benefits are “free”. They may be reluctant to pay for lounge.

        They are really only free if earned with work.

        If you were getting it though your own dime flying BA , then you are likely paying more for an inferior service.
        Status then isn’t “free”

  • Jamie says:

    So by moving avios and tier points earnings over to Qatar. Can you still book through BA.com or book everything through Qatar website?

    • Rob says:

      Partners cannot sell cash tickets on other sites unless codeshares so no choice.

    • Mark says:

      The ability to assign the flight earning to your chosen scheme applies irrespective of how the ticket is booked. Where it gets complicated is where you want status benefits from one scheme but the flight credited to another.

  • Alan Joss says:

    Where should you credit your Avios for non business class flights?

    • LittleNick says:

      You need to do your own homework, depends on airline flown, fare class and work out which scheme gets you the most avios. There is no one size fits all, you need to work it out for maximum avios earning

      • No longer Entitled says:

        There is no one size fits all for business leaving people needing to do their own homework, and yet there is an article about it. Asking about economy therefore is hardly unreasonable.

        • Rob says:

          Not unreasonable, but at the end of the day the amounts earned from economy flights are so small that I think many people won’t even bother messing about with frequent flyer numbers even if one option is better than another.

      • memesweeper says:

        Are you buying expensive last minute flexible economy flights? It not you can save yourself the bother of doing the maths and credit “anywhere but BA/Iberia”. The earning rate on cheap economy tickets is negligible. As another commenter pointed out, you’ll likely get more Avios from Uber for the lift to the airport.

        • Jon says:

          If OW status matters but you’re not so bothered about flight redemptions or wedded to Avios, then economy flights credited to Malaysia Airlines Enrich may be worth considering, especially if you’re regularly flying long-haul in economy. Check your fare class is eligible via https://enrich.malaysiaairlines.com/enrich/partners.html but in general long-haul economy earns around 80% of the tier points the same flight in business class would earn at 3-5x the cost…

  • Nico says:

    How does it work when you credit a BA app to a partner? BA pays for the avios?

  • tootsci says:

    What was once only an issue if you were flying a non-OW route now applies to OW flights so more people are going to have to be doing these sorts of calculations. wheretocredit.com is fine as far as it goes, but it feels like some clever whizz needs to make an app for all this where it’s easy to run some different scenarios.

    For example, I have multiple flights on LATAM for my Peru/Colombia trip in June and I’ve spent far too long working out where to credit them for max value. BA for the Avios? Alaskan as LATAM earns EQM with them not just miles despite no loner being a OW airline, but then will my OW flights this year earn enough in Alaskan to make that worthwhile? And what about the miles – will what I collect be worth enough for any flight? Or how about Qatar as I can get Avios or even those convert to Bonvoy as I have plenty of Avios? I’ve just found out I can also credit to Virgin Atlantic and LATAM earns tier points with them, my flights world get me halfway to Silver and the points I currently have sitting in Virgin Red from my occasional Tesco shops and Virgin trains ticketing plus the miles from the LATAM might get me a Y flight to e.g. NYC or a couple of AFKL in Europe.

    This new hobby (only been doing this a year or so) is fun, but at times it makes my head spin!

  • Sharka says:

    I tend to credit BA flights to AA: there is merit in moving beyond the avios ecosystem and AAdvantage miles can be readily obtained through shopping portals and the US credit cards (if you are eligible) – you can even get status from spend alone.

  • Alison G says:

    I am just wondering how the transfer of Avios from Iberia or wherever to BA will work if you are in a BA household account. I have previously found that I could not transfer Avios from Iberia to BA because of being in a household account.

    • Rob says:

      Don’t think this is an issue – I move to Iberia all the time to do dummy bookings for HfP articles and it works for me.

      • Mark says:

        There used to be restrictions which sometimes required transfers to be done via a third scheme such as Aer Club, but those are long gone. No issues now transferring in and out of a BA account that is part of a household account, and that is sometimes useful when you want to control which accounts BA debits for a booking.

    • David says:

      No issues, you are transferring said person to said person. Has nothing to do with HHA.

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.