Maximise your Avios, air miles and hotel points

Why is the Amex deal to award British Airways Club tier points still a secret?

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

When details of the new British Airways Club were quietly slipped out on 30th December, one small upside was the promised opportunity to earn up to 2,500 tier points per year via the British Airways Premium Plus American Express card.

We were told that “More details of this offer will be announced closer to the launch date.”

With 10 days to go, BA is cutting it fine.

Earning British Airways tier points from American Express

Why is the announcement delayed?

The word on the street is that British Airways expects to be paid by American Express whenever tier points are earned from the Premium Plus American Express card.

If this is true (and it may not be!) you can see why American Express may not be keen, at least under certain scenarios.

Taking a blank sheet of paper, you can imagine a structure that awarded 1 tier point for every £10 spent on the British Airways Premium Plus American Express card. You would need to spend £25,000 to earn the full 2,500 tier points.

However, you are ALREADY incentivised to spend £15,000 on your Premium Plus card to trigger the 2-4-1 companion voucher. Why should American Express pay for tier points to incentivise you further to spend the first £15,000?

If I was American Express, I would want to award 1 tier point for every £10 spent AFTER the companion voucher was triggered. This would require £40,000 of spend to trigger the full 2,500 tier points.

The issues here are clear though:

  • many people cannot spend £40,000 per year on an American Express card
  • those who can will often spend £15,000 on their Premium Plus card and then swap to other American Express products – and these are likely to be more profitable for Amex than the British Airways card

There is also a more fundamental issue.

Many BA Amex cardholders spend £14,999 on their card and put it in a drawer. It doesn’t make sense to trigger the companion voucher early because you start the two year clock on having to use it.

There is a very simple way of solving this problem which we outlined here. The voucher should be changed to be valid for two years FROM THE END OF YOUR MEMBERSHIP YEAR. This means that you don’t need to stop spending as the £15,000 target approaches.

Anyone who puts their card away when they hit £14,999 of spending will be in a dilemma if they want to earn tier points. Cardholders will need to choose between triggering their voucher early or not maximising their tier point earning.

Earning British Airways tier points from American Express

There is a potential third way

What British Airways and American Express should have considered was allowing cardholders to choose between Avios and tier points.

This would be an elegant solution to a number of problems.

Let’s assume that American Express paid BA the same amount per £1 spent irrespective of whether you took Avios or tier points.

Some British Airways Club members are motivated by Avios. Others are motivated by status. Allowing people to choose which is most important to them – by selecting tier points or Avios – would allow each member to maximise the benefit they value most.

The companion voucher could still be awarded at £15,000 of spending irrespective of the option chosen.

With my accountant hat on, there would be a big upside for BA if it did this. Unused Avios sit on the IAG balance sheet as a liability. If a member chooses tier points instead of Avios, the money paid by Amex would be booked as revenue with no need for any corresponding liability.

Why are tier points being capped at 2,500 per year?

When American Airlines moved to its new model a couple of years ago, the number of status-earning points you could earn from card spend was uncapped.

You can earn American Airlines elite status purely from credit card spend.

If someone wants to put £250,000 per year through their Premium Plus American Express card to earn BA Gold status, why shouldn’t they? With HMRC now accepting Amex if you use an intermediary (article to follow, including a HfP sign-up offer) it is easier than ever to put substantial spend through your card.

‘Real’ Gold members may complain if this was allowed – but this would arguably be hypocritical given that, from 2026, 95% (a guess) of Gold members will have got it by spending their employer’s money, not their own.

BA should ignore the moans. Elite members who don’t fly much cost very little to service. They aren’t visiting many lounges. They aren’t getting many additional suitcases checked in for free. They aren’t saving much on seat selection fees, especially if they refused to pay in the first place. Flatter the ego of people who are willing to trade Avios for tier points despite not flying much and bank the American Express cash!

Earning British Airways tier points from American Express

The oneworld alliance membership agreement sets restrictions on the number of tier points that an airline can award from non-flying activity.

However, my understanding is that this is based on the total number of tier points issued. It isn’t capped by member account, so there is no reason why some members cannot earn all of their tier points from non-flying activity – as long as everyone doesn’t do it!

Qatar Airways has followed American and allows unlimited tier point earning from its US credit cards. Finnair allows members to convert Avios to cover 50% of the tier points needed to earn or retain status.

What is intriguing is that, on the US version of the new British Airways Club website, there is no published cap on the number of tier points that can be earned from credit cards.

ba.com in the US says:

In 2025, Members who hold selected credit cards will have the opportunity to earn even more Tier Points by spending on their card. More details coming soon.

It is possible that BA will allow US members of British Airways Club to earn unlimited tier points from card spend, in order to compete with cards from American Airlines and Qatar Airways. Shouldn’t UK members be given the same deal?

Conclusion

With just 10 days to go, there is still no clarity on how you will be able to earn tier points from British Airways Premium Plus American Express cards.

Given that people have been booking flights on the assumption that they will be able to earn 2,500 tier points from American Express, it is unfair that this information has not been released.

Whatever the deal eventually looks like, it is likely to be sub-optimal compared to the structure we propose above.


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 (130)

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

  • strickers says:

    Whether it’s BA or Amex dragging their heels, it’s a mess. I wonder how many consultants were involved in this particular omnishambles.

  • RC says:

    Perhaps the usual BA arrogance expecting to be paid, announcing something with no supplier agreement and then hoppy negotiate their way.
    If that is the case it highlights so many communication and bad management characteristics to list.
    Here’s hoping Amex have them in a tough spot. suddenly with USA looking recessionary BA needs Amex more than Amex need BA

    • No longer Entitled says:

      Let’s be clear, AMERICAN Express have never needed BA. The GDP of California alone is bigger than the UK. We are an after thought that is useful to trickle in revenue, but AMEX do not stand or fall by what happens in the UK, let alone what happens with the BAPP.

    • mvcvz says:

      What does “hoppy negotiate their way” mean please?

  • Ramsey says:

    We can’t expect the same deals USA customers get. The UK (very fortunately) have kept the EU. cap on fees credit card providers can charge to retailers (and zero to individuals). Having just returned from the USA these silly fees some retailers charge, partly fuel the sky high prices USA customers experience. So AMEX have to be less generous with perks as they make less money on transactions here than the USA. Whilst like everyone else I want more points .., I much prefer our lower prices.

    As for BA not announcing the new arrangements, I’m not surprised. Their typical communications ‘we are doing this for customer enhancement’ show how out of touch they are with their customer base. They’ll no doubt tell us the delay has been due to them ‘listening to our customers’.

    • RC says:

      LOL
      Or ‘customer feedback told us you want more uncertainty, so we’ve made the decision not to tell you how BAC will work with Amex’.
      ‘An original British F up’

      Interesting to see IAG shares DOWN 6% so far this year when AF and LH are up 20-21%. 27% relative underperformance compared to peers tells you that despite all the desperate measures like share buy backs, investors think it’s a stinker.

      • Rob says:

        I saw some February flight booking numbers at the Tourism Alliance conference on Tuesday which I don’t think have been publicly seen by analysts. The drop year on year is shocking.

        I don’t have that slide but I do have another one showing a 7% fall in long haul bookings TO the UK for travel March-August 2025 vs last year, based on end Feb data year on year. Unless there is a spike of late bookings it will be very messy.

        BA is only a fraction of these figures but the trend is clear.

        • Paul says:

          No dount some consultant told them that the USA market was forever lined with streets of gold leading to the airports they serve. They turned their backs on the rest of the world and ME3 and others have taken up the slack. this drop in numbers explains the fall in the share price.

      • Rui N. says:

        Tourism to the US is declining by 15% compared to last year. So, less traffic going that way. A recession is looming over there, so less traffic coming our way.
        With BA being so dependent on the US, no surprise IAG shares are suffering.

      • danimal says:

        Up 70% over the past 12 months so I wouldn’t read too much into that.

    • Ziggy says:

      As someone who spends a lot of time in the US I can assure you that the “silly fees” you refer to have very little to do with the “sky high” cost of everyday goods.

  • StanTheMan says:

    The timing is a messy situation too. TP spend clock starts April 1st (maybe). 241 spend clock starts on a totally different date in the year for every card holder.

    Some will overlap closely, some will be 6 months apart.

    Unless they reset all future BAPP years to a April 1st start too……

  • dundj says:

    Amex have the upper hand here as BA announced the additional TP’s would be earned via the BAPP. This to me would be a hard-nosed negotiation if I was Amex saying you have announced it so we are paying nothing until the end of our contract for it.

    There is an option that Amex can let this play out and hard ball negotiate a contract extension at either a far lower cost to them, or say we have a contract with AF/KL in Europe which we would love to extend to the UK, so we won’t be paying what you want.

    BA no longer hold the cards (pun intended), and a smart plan by Amex could easily see them save a lot of the margin on the BA cards for themselves or switch the airline it promotes.

  • Clive says:

    As I have commented previously, one of the most appalling aspects of the new scheme is the virtual impossibility of planning in advance to reach any specific level. This shambles over AMEX Tier Points is simply another example of how badly wrong BA has got it.

    • Paul says:

      Well yes and no.. Agree you dont know what BA are offering so dont want to book with them. But you do know what Finnair, Iberia, Qatar and many others are offering so you can book with them.

  • Rupert Smith says:

    Several things are clear.

    1) The new BA ‘Club’ has not been carefully planned. It is someones ‘whim’ and been implemented without crossing ‘t’s or dotting ‘i’s. The fact they added in number of flights to appease staff shows as much.
    2) This is highlighted somewhat by the Double Tier points for holiday bookings which states you will need to book a holiday etc for at least 5 nights for travel before March 31st 2025 (I could have sworn this was originally June). This implies that if I book and travel before March 31st, and come back after, my tier points are doubled (it does not say travel and return). So does that mean the value of my purchase is doubled now as there are no more journey points?
    3) The ‘from April’ (note not April 1st) is classic marketing suck you in terminology. The comments suggest this has worked because almost everyone who has a BAPP card has made an assumption about it being preferential to them. BA have confirmed nothing about the mechanism or its terms. Given the ambiguaty of the launch date and BA’s arrogance at doing what it wants when it wants, there is every possibility that they intend to replace the 2 for 1 voucher with Tier Points, because that would cost them nothing. They probably believe that its quite reasonable for someone to put £15K of spend through a card to give them 33% of the way toward the stratospheric heights of a Silver membership.

    • Rob says:

      If you have a double hols booking for April-June the TP you get are the old TP multiplied by 15.

      Trust me that this is ‘fair’ to the extent that your trip will get you the % of the way to Silver or Gold as it would have before, but of course the tier point gap you need to close is far wider than under the old scheme.

      • ATP says:

        Yes, once one domestic leg was cancelled we cancelled a £26k BAH double tier points that would’ve got all 5 of us 75% of gold. Since partner TPs were gutted too, the hard cash we’d need to spend on BA for the remaining 25% each was about £25k net of tax. Rather fanciful to think people would put up with that.

        • Nico says:

          Hmm, if you would have beebn 75% of gold how can you need to spend 25k each? Thats more than the total

      • Nico says:

        Factor is 13.33, could make a difference to some

      • Rog says:

        Hi Rob,

        Apologies if asking stupid question but could you clarify what that means for my situation (this may help other also I hope).

        Booked BA Holiday for business trip to Australia after BA Club announcement – that means I expected T Points to be based on full price and what BA said if I recall correctly.

        BA Flight codes operated on Qatar Metal
        LHR-Doha-Perth return in F all the way

        Do I still get revenue amount (£12.5K inc hotel broken into two stints and 9 nights total) OR, based on your comment, 15* 760 T points which I believe is standard award OR 15* the double amount of 1440?

        If first option then it’s what I expected, second is obviously going cause me to be exceptionally grumpy and third is excellent!

        Thanks in advance.

  • W.W. says:

    I’ve actually stopped buying BA flights now; seeing how this complete ,complex mess resolves itself, over this next month. Just using-up all my Avios.
    For economists / bean-counters, Price is a ‘number’.
    For consumers, Price is a ‘feeling’.
    Using this concept BA will definitely lose-out with changing their loyalty programme (Loyalty goes both ways). Paying for a 2nd rate product; (Compared with proper 5 star airlines) and not getting much tier-point ‘advantage’. Who will actually continue with BA’s Club? I”m now looking to start afresh with Star* or FlyingBlue.

    • Dogmatick says:

      My problems with AF, KLM and LH is that their J offerings are frankly abysmal for anyone tall and they operate through airports that make LHR T4 look like T3 at DXB
      I fly to and from the Middle East all the time and overnight flights via a European hub is a difficult early morning four terminal change from hell

      I’ve been trying them all out originally to move from EY, then Qatar and now finally at BA got gold then told they’re downgrading 💔

      Yes even the staff laugh at how bad the first offering is and that I now need approx thirteen F returns to get gold

      But if you live in England I cannot see the value in getting a European alliance membership other than IB because how will you use it for short haul

      Personally I’d really value an IBPP card in the UK right now, does Iberia have any banking tie up in the UK?

      • CamFlyer says:

        As LCY is more convenient than LHR for me (from East Anglia), I can easily fly KLM, Swiss or LH (and occasionally ITA) to most short haul destinations with a connection in the same door to door elapsed time as BA nonstop from Heathrow. And otherwise there is usually a choice of WizzAir, EasyJet, Ryanair, AJet and Pegasus from STN or LTN.

        • CamFlyer says:

          [Addendum to the above]
          This was a response to Dogmatick saying that no short haul alliance other than OneWorld made sense.
          For many, it is a competitive market, and gutting the ability to achieve status will definitely move business away from BA.

      • Throwawayname says:

        @Dogmatick, there’s no short haul oneworld service whatsoever to BHX or any other airport in the Midlands or the West/SW, and it only just about competes in the North (3 short haul routes from MAN across the alliance – the same number offered by SAS alone) so it’s actually the least useful alliance by far for short haul travel from/to anywhere outside London.

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.