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In the past year, I’ve cancelled my normal AMEX (waiting for after April 25 to reapply), my BA AMEX Premium (waiting for after Mar 26 to reapply), the Barclaycard Avios Plus Card (converted this card to the basic Avios card after hitting the 10k) and I’m now just £1k short of hitting the £20k spend on the Barclaycard Avios card.
I’m planning on just keeping the Barclaycard Avios card – don’t think it’s possible to upgrade it back up to the Plus card – but I was wondering is there any other credit cards I can apply for which will allow me to earn avios? Just note, I won’t be able to apply for any card which requires an income greater than £75k so that rules out credit cards like the HSBC Premier etc.
Appreciate any advice anyone has.
The Amex Gold for the free first year?
The only option left is business cards, if you are eligible.
Trying to avoid getting an AMEX/BA AMEX card as I’m waiting to reapply after 24months when there’s a special welcome bonus. Don’t have a business so that won’t work unfortunately.
I guess I’ll just keep my Barclaycard Avios card 🙂
Trying to avoid getting an AMEX/BA AMEX card as I’m waiting to reapply after 24months when there’s a special welcome bonus. Don’t have a business so that won’t work unfortunately.
I guess I’ll just keep my Barclaycard Avios card 🙂
Fair enough if you’re going for the Platinum. However the Gold doesn’t lock out the BAPP SUB.
Have you thought about HSBC World Elite, decent bonus 20k avios after minimum spend. But you have to be very smart to not actually renew to get the 2nd tranch of 20k bonus.. good lounge and airport restaurant access tho… obvs same as bc, but a new bonus for you. See the forum for all our experiences with it.
Have you thought about HSBC World Elite
They said they can’t get HSBC Premier account, so the card’s out of consideration. Really wish it was more accessible.
Some people on here have managed to get the HSBC WE by having an ISA or some insurance products… sorry, meant to be clearer. I had to transfer in an ISA and opened a small 1 year bond. Maybe they’re tightening up on that aspect. Still maybe worth a try. Shame as you say @Maples that it’s not slightly more accessible.
Tbf to HSBC, they haven’t increased 75k requirement for a while.
Not trying to sound like Jeremy Hunt, but 75k is not ‘premium’, it’s just middle class these days, unless you are retired.
Player two plus a supplementary card? Set up a Ba family account?
what do you mean by ‘normal’ amex? is that your Platinium? Because if you meant any of the cheaper cards then you don’t qualify for the bonus until you have been without an AMEX for the last 24 months which by your post means March 2026.
If you did indeed mean the platinum Amex then I would suggest the Nectar Amexas yon can earn the equivalent of 1.25 Avios per pound and it does not prevent you from earning the signup bonus for the British Airways premium or the platinum card in the future.
there is no other bonus that you qualify for and I don’t think you really need another card if you already have the Barclays card as that is accepted everywhere and has as good an earning rate as any other Card that is free
Each to their own and all that, but I simply don’t understand this mindset of locking yourself out of a good product for 2 years simply to try and get another SUB.
Surely if you’re an even moderately keen Avios player, 2 years of holding the product you want and earning Avios and 241’s is far more beneficial than a potential bonus based on criteria that could change at any point in the next 2 years.
Not trying to sound like Jeremy Hunt, but 75k is not ‘premium’, it’s just middle class these days, unless you are retired.
Wait, is £75K middle class?
Never really followed this class nonsense, but I thought the median income was like £34-35K, so middle class is what, top 10%?
I simply don’t understand this mindset of locking yourself out of a good product for 2 years simply to try and get another SUB.
Neither do I. Amex could straight up change the T&Cs by that point.
75k is not ‘premium’, it’s just middle class these days, unless you are retired.
As a sole income, it would put you in the top 10% of UK earners? There is a real world outside of points collecting!
Not trying to sound like Jeremy Hunt, but 75k is not ‘premium’, it’s just middle class these days, unless you are retired.
Wait, is £75K middle class?
Never really followed this class nonsense, but I thought the median income was like £34-35K, so middle class is what, top 10%?
At the risk of being accused of highjacking the thread, isn’t the 35k figure after tax? I could be wrong. And I was referring to 75k before tax.
If you bought your home in the last 5 years or going to buy in the future, on a 75k single income, you are screwed. After taxes, mortgage and everything else, there’ll hardly be any left.
As a sole income, it would put you in the top 10% of UK earners? There is a real world outside of points collecting!
I’ve often thought that there’s very much an “I earn loads, so everybody else does too” type of thing on forums in general – and especially travel ones, for whatever reason.
I’d also say that earning well over twice the national median wage would very much make you a premium customer, regardless of whether or not houses are affordable!
(And to BBbetter – the median wage figure is pre-tax. Really, you’d be amazed at how many people earn 35K or less… and manage to live on it, too, as they have to! I know, I’m one of them…)
EDIT: Official stats here:
https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/earningsandworkinghours/bulletins/earningsandemploymentfrompayasyouearnrealtimeinformationuk/april2024The latest median pre-tax wage is £2,342 a month (£28,104 a year), and percentile wise:
75th: £3,587 (£43,044)
90th: £5,431 (£65,172)
95th: £7,327 (£87,924)and the top 1% earn £15,318 a month or more – £183,816 a year.
Wait, is £75K middle class?
Never really followed this class nonsense, but I thought the median income was like £34-35K, so middle class is what, top 10%?
Class (in the UK at least) isn’t purely based on your wage, FWIW – it’s complicated. An IT manager earning £35K (yes, they exist – in the public sector) would probably count as middle class, but a plumber earning 70K wouldn’t – indeed, the one I know would be quite offended at being called middle class, he’d consider himself working class.
And the only genuinely upper class person I know (who lives in a massive house with dozens of acres of land, who had an ancestral home and so forth) doesn’t need to work, for example, they have more than enough passive income to ensure a decent quality of living.
what about a cashback card AMEX short term offer 1% or better
You can get 1% on Chase debit card
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