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Forums Payment cards American Express Absolute beginner here – need to spend £60k in next 30 days

  • markuk 3 posts

    Hi – I’m an absolute beginner here, so apologies for no doubt stupid question!

    I run a small business which turns over about £350k a year, but unusually I need to spend £60k in the next 30 days.

    I’ve been paid the £60k from the client, and I could just pay from my business bank account, but seems like a good opportunity to get a bunch of Avios points.

    We have had a business Barclaycard for ten years, which has a limit of around £20k but we never use it.

    I looked at the BA Accelerator AmEx Business card, which I calculated would get 150k Avios points in the first month, if we could guarantee to get a £60k credit limit.

    However, after speaking with the guys at AmEx they’re saying that they can’t guarantee what the limit would be – and the average is about £30k. What’s more, we can’t just pay off as we go as the card will only allow for the credit limit amount of spend per month.

    I then thought about pre-paid cards, but they look like a no-go now.

    Are there any better routes to go down, if I just want to max out the Avios points here?

    Appreciate any advice anyone may have, thank you!

    Rob
    HfP Staff
    2,286 posts

    Two options:

    *get the Amex and make payments in chunks. Irrespective of your limit, you can spend the limit, pay it off, spend up to the limit again etc, with each cycle taking 4-5 days.

    *get the Capital on Tap Visa – and by coincidence we have an exclusive 30k Avios promotion this month: https://www.headforpoints.com/2024/04/15/get-30000-bonus-points-worth-30000-avios-or-300-with-capital-on-tap/

    Capital on Tap lets you preload your card so if your credit limit is too low, you can simply top up with a cash transfer and then pay with the card, earning 1 Avios per £1 as you go.

    Perhaps get both cards and split your spend to trigger sign-up bonuses on both?

    markuk 3 posts

    This is great advice, thank you.

    BBbetter 743 posts

    Why not Amex business plat?

    Blair Waldorf Salad 1,147 posts

    Isn’t this just the plot of Brewster’s Millions?

    NorthernLass 7,985 posts

    Is there an 80’s film theme here?!

    Aston100 1,423 posts

    Flippin heck, beaten to it by the previous two!

    memesweeper 1,270 posts

    If you “like” Avios at that spend level you’re likely best off with BA Accelerating Business card. You can pay as you go and exceed the credit limit substantially. Amex is typically swift to issue cards.

    Consider the Business Gold card too, but after hitting the sign up bonus and first £ 20k you’re probably best off reverting to BA AB. Do not apply for gold unless and until approved for BA AB.

    TGLoyalty 578 posts

    @Rob are you seriously not looking in to these ridiculous first time posters. Someone needs to be banned from posting.

    cin3 168 posts

    Probs best to split it over as many subs as possible and the rest on a 1% cashback card.

    vzzbuckz 24 posts

    @TGLoyalty – you were a first time poster once. It may well be a joke (says more about him that he has the time) or could be that his year end is up and he needs to reduce his projected profit for corporation tax reasons. Either way, you can answer the question or ignore. Asking to ban something you don’t like says more about you. Just saying… as a low post count person.

    TGLoyalty 578 posts

    It’s not this post in itself. There are 4 or 5 similar ridiculous first time posts from people who have never returned after their first flurry of posts on a single day.

    If it wasn’t a pattern I wouldn’t say anything .. plus this isn’t even a creative one …

    I was a first time poster and I didn’t start with ridiculous posts like I have 4m Avios but theres I way to redeem them what should I do (reading the article Rob wrote that day would’ve been a plan) or all my flights were cancelled while in the air and the captain fixed it all via fax while I played candy crush on the WiFi but I want compo …

    phantomchickenz 317 posts

    Can I get compo if I wasn’t able to play candy crush?

    TGLoyalty 578 posts

    Can I get compo if I wasn’t able to play candy crush?

    I think EU261 has a provision for that!

    NorthernLass 7,985 posts

    Candy Crush is so 2014 🤣

    TGLoyalty 578 posts

    Candy Crush is so 2014 🤣

    And fax machines aren’t 😂😂😂

    NorthernLass 7,985 posts

    Fax machines are so 2004!!

    Lady London 2,117 posts

    It’s not this post in itself. There are 4 or 5 similar ridiculous first time posts from people who have never returned after their first flurry of posts on a single day.

    If it wasn’t a pattern I wouldn’t say anything .. plus this isn’t even a creative one …

    I was a first time poster and I didn’t start with ridiculous posts like I have 4m Avios but theres I way to redeem them what should I do (reading the article Rob wrote that day would’ve been a plan) or all my flights were cancelled while in the air and the captain fixed it all via fax while I played candy crush on the WiFi but I want compo …

    Yes we have been lucky on HfP that we are not swamped with random seagull flyers [as in Fly in Drop $ht Fly out], as so many other forums particularly American ones, are. (I’m being Britishly polite and indirect here.)

    I particularly.enjoyed the I’m a Chinese national thatcrecently opened Virgin Frewuent Flier Account in the UK from an address in Germany, then proceeded with no history to buy outsize smounts of miles and book flights that were not ooeated by Virgin with various passenger names thst were not all similar fsmily sounding for me and others. So I triggered every fraud alert in the book, the flights I paid £000’s to buy points were cancelled, snd my Virgin account thst I just opened and only did this and no flying were cancelled how do I get my flights or money back.

    Btw I know that poster was unfairly treated but if somone has paid even a litle dues reading HfP or done their own research before posting,people who help regularly on here might not feel the usually very ready HfP welcome has been imposed om by just a few recent posters.

    Revs 8 posts

    Fax machines are so 2004!!

    Except in Germany

    Harrier25 870 posts

    Fax machines are so 2004!!

    My God, who were still using fax machines in 2004…so 1990’s! 😂

    NorthernLass 7,985 posts

    Public Sector 😂

    I think they still have them in health care settings!

    TGLoyalty 578 posts

    Fax machines are so 2004!!

    My God, who were still using fax machines in 2004…so 1990’s! 😂

    Was still using one in 2012 … industry 😂

    BBbetter 743 posts

    Fax machines are so 2004!!

    My God, who were still using fax machines in 2004…so 1990’s! 😂

    Man Utd.

    JellyFan 20 posts

    My God, who were still using fax machines in 2004…so 1990’s! 😂

    The software that runs San Francisco’s public trains still requires a 5.25″ floppy disk to boot it up, and will continue to do so until it’s replaced (currently scheduled to happen in 2030); this is becoming a real problem, as the last 5.25 inch disks were manufactured in 2010 by Sony, and the data on them is degrading.

    TGLoyalty 578 posts

    Biggest surprise is 1st time poster Mark never returned to let us know if he spent his £60k or not and what cards.

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