Air miles credit cards are a popular type of financial product in the UK that offer a range of benefits to consumers, such as the opportunity to earn points or miles that can be redeemed for flights, hotel stays, and other travel-related expenses. These cards work by offering cardholders rewards for using their card to make purchases, with points or miles accumulating over time and eventually being redeemable through a rewards program. For frequent travelers, air miles credit cards can provide significant benefits and savings, but they also come with a number of potential drawbacks and should be carefully evaluated before signing up for one. In this article, we’ll provide an overview of air miles credit cards in the UK, including how they work, the benefits they offer, and the factors to consider when choosing a card.
Top 10 Air Miles Credit Cards in the UK
Credit cards are the most convenient way to make payments and earn rewards or cashback on purchases. With an air miles credit card, you can earn points every time you make a purchase, which can be redeemed for flights, upgrades, and hotel stays. In this section, we’ll look at the top 10 air miles credit cards available in the UK.
1. British Airways American Express Premium Plus Card
The British Airways American Express Premium Plus Card is one of the most popular credit cards in the UK. With this card, you earn 1.5 Avios for every £1 spent, and a welcome bonus of 25,000 Avios when you spend £3,000 within the first three months. You also get a free companion ticket when you spend £10,000 in a year, which can save you hundreds of pounds on flights.
2. Virgin Atlantic Reward+ Credit Card
The Virgin Atlantic Reward+ Credit Card offers 1.5 miles per £1 spent and a welcome bonus of up to 50,000 miles when you spend £3,000 within the first 90 days. The card also comes with a free companion ticket each year when you spend £10,000 or more.
3. American Express Preferred Rewards Gold Card
The American Express Preferred Rewards Gold Card provides 1 point per £1 spent and a welcome bonus of 10,000 Membership Rewards points when you spend £3,000 within the first three months. You can convert these points into air miles or use them to redeem for other travel benefits.
4. TSB Avios Credit Card
The TSB Avios Credit Card provides 1 Avios per £1 spent, and you can earn a welcome bonus of 1,500 Avios when you spend £500 within the first 90 days. Additionally, you can get a companion ticket when you spend £15,000 in a year.
5. Lloyds Bank Avios Rewards Credit Card
The Lloyds Bank Avios Rewards Credit Card provides 1.25 Avios per £1 spent, and you can earn a welcome bonus of up to 6,000 Avios when you spend at least £1,000 within the first three months. The card also offers travel insurance and a companion ticket when you spend £7,000 per year.
6. HSBC Premier World Elite Mastercard
The HSBC Premier World Elite Mastercard provides 2 points per £1 spent or 1 air miles per £1 spent. You can earn a welcome bonus of 40,000 points if you spend £2,000 within the first three months. Additionally, you receive complimentary lounge access worldwide and travel insurance.
7. Virgin Money All round Credit Card
The Virgin Money All round Credit Card provides 0.75 Flying Club miles per £1 spent on general purchases and 1.5 Flying Club miles per £1 spent on Virgin Atlantic products. You can earn a welcome bonus of up to 10,000 Flying Club miles when you spend £1,000 within the first three months.
8. American Express Rewards Credit Card
The American Express Rewards Credit Card provides 1 Membership Rewards point per £1 spent. You’ll earn a welcome bonus of 5,000 points when you spend £2,000 in the first three months. These points can be converted to air miles or redeemed for other travel benefits.
9. Barclaycard Rewards Credit Card
The Barclaycard Rewards Credit Card provides 0.25% cashback on every £1 spent. You’ll earn a welcome bonus of £15 cashback when you spend £500 in the first 90 days. The card comes with an overseas travel insurance and purchase protection.
10. Sainsbury’s Bank Dual Offer Nectar Credit Card
The Sainsbury’s Bank Dual Offer Nectar Credit Card provides 2 Nectar points per £1 spent at Sainsbury’s, Argos, Habitat, Tu Clothing and 1 Nectar point per £1 spent elsewhere. You’ll earn a welcome bonus of up to 10,000 Nectar points when you spend £400 in Sainsbury’s, Argos or Tu in the first two months. These points can be converted to air miles or redeemed to save money on groceries.
In conclusion, air miles credit cards allow you to earn points every time you spend, which can be redeemed for flights, upgrades, and other travel benefits. It’s important to research and compare different credit cards before choosing one that suits your needs and spending habits. The top 10 air miles credit cards we’ve reviewed here provide a range of options for rewards, welcome bonuses, and access to additional travel benefits.
How to Choose the Best Air Miles Credit Card for You
With so many air miles credit cards to choose from, it can be overwhelming to determine which one is the best for you. Here are some factors to consider when choosing an air miles credit card in the UK:
1. Bonus offers and welcome bonuses
Many air miles credit cards offer bonus offers and welcome bonuses, which can help you earn miles quickly. Look for cards that offer a high sign-up bonus, but make sure you can meet the minimum requirement.
2. Earning rate
Consider the earning rate of the card, which is the rate at which you earn miles for every pound spent. Look for a card with a high earning rate to maximize your rewards.
3. Annual fees
Some air miles credit cards come with an annual fee, while others do not. Consider the overall value of the card to determine if the annual fee is worth it.
4. Redemption options
Consider the redemption options available with the card, such as travel partners and merchandise. Choose a card with redemption options that best suit your needs.
5. Foreign transaction fees
If you plan to use your air miles credit card while travelling abroad, consider the foreign transaction fees associated with the card. Look for cards that offer no foreign transaction fees to save money.
6. Airline partnerships
If you have a preferred airline, consider a card that partners with that airline to earn rewards faster and receive additional benefits.
7. Additional benefits
Many air miles credit cards come with additional benefits, such as travel insurance, lounge access and concierge services. Determine which benefits are important to you before selecting a card.
8. Credit score requirement
Many air miles credit cards require a good to excellent credit score for approval. Check your credit score before applying to ensure you meet the requirements.
9. Annual spending requirements
Some air miles credit cards have annual spending requirements to unlock additional benefits or earn rewards faster. Make sure you can meet these requirements before applying for the card.
10. Customer service
Consider the customer service offered by the credit card company. Look for a card with a good reputation for customer service in case you need assistance or have any issues with your card.
Types of Air Miles Credit Cards in the UK
There are several types of air miles credit cards available in the UK. Let’s discuss the top five popular types.
|Type of Card
|Co-Branded Airline Cards
|These cards offer miles that can be redeemed only with a particular airline. They also offer significant sign-up bonuses and other perks.
|General Travel Reward Credit Cards
|These cards offer points that can be redeemed with multiple airlines. They also offer extra points on all travel-related purchases, including flights and car rentals.
|Cashback Credit Cards
|These cards offer cashback on purchases, which can be used to buy flights or generate miles. They also offer cashback on other categories such as groceries and petrol.
|Hotel Branded Credit Cards
|These cards offer points that can be used for free hotel stays. However, they can also allow users to convert points for airline miles and other rewards.
|Flexible Points Credit Cards
|These cards offer points that can be redeemed with several airlines, hotel chains, and other travel-related purchases. They also offer extra points on specific categories such as dining, entertainment, and shopping.
Co-Branded Airline Cards
Co-branded airline cards are credit cards that collaborate with particular airlines. Cardholders earn points based on their spending and can redeem them for flights, upgrades, and other travel-related purchases. These cards offer significant sign-up bonuses and other perks such as airport lounge access, free checked bags, and priority boarding. These cards are perfect for frequent flyers who travel only with a particular airline.
General Travel Reward Credit Cards
General travel reward credit cards earn points that can be redeemed for various travel purchases such as flights, hotel stays, car rentals, and more. These cards often offer extra points on travel-related purchases, which makes them ideal for people who travel a lot. Most of these cards also offer no foreign transaction fees, making them useful for people who travel internationally frequently.
Cashback Credit Cards
Cashback credit cards earn cashback on all purchases, including travel-related ones. Some cards allow users to convert the cashback into miles or reward points. These cards are perfect for people who want the flexibility to use their rewards for multiple types of travel purchases.
Hotel Branded Credit Cards
Hotel branded credit cards offer reward points that can be earned by spending money on hotel stays. These cards also offer benefits such as early check-in, late check-out, and room upgrades. Some hotel cards allow users to convert their reward points into airline miles or other travel-related purchases.
Flexible Points Credit Cards
Flexible points credit cards earn points that can be redeemed for various travel-related purchases, including flights, hotel stays, and car rentals. These cards also offer extra reward points in specific categories such as dining, entertainment, and shopping. Some cards also allow users to transfer points to airline and hotel loyalty programs, making them more versatile than co-branded cards.
Learn about the top air miles credit cards available in the UK with Money.co.uk’s comprehensive guide.
Pros of Air Miles Credit Cards UK
Air miles credit cards are incredibly popular in the UK, and for good reason. These cards offer more than just a way to pay. They provide plenty of benefits to travellers and are often used to save big on travel-related expenses. Here are some of the biggest pros of air miles credit cards in the UK:
1. Earn Reward Points and Miles
Air miles credit cards allow you to earn reward points and miles that can quickly add up to save you money on flights, hotel stays, and other travel-related expenses. With every purchase you make on the card, you’ll be adding more points to your account, which can be redeemed for free travel or upgrades.
2. Enjoy Signup Bonuses
Many air miles credit cards offer a signup bonus to new cardholders. This bonus can be in the form of thousands of bonus miles or reward points after you make a certain amount of purchases within a specific time frame. These bonuses can be a great way to boost your points balance and help you save even more on travel.
3. Access to Airport Lounges
Some air miles credit cards give you access to airport lounges, where you can enjoy free food and drinks, comfortable seating, and even showers. This can be a great way to relax before your flight and make your travel experience more enjoyable.
4. Travel Insurance and Protections
Most air miles credit cards come with travel insurance and protections, such as trip cancellation and travel accident insurance. These protections can provide peace of mind when travelling and can save you money if something goes wrong.
5. Companion Tickets
Some air miles credit cards offer companion tickets, which allow you to bring a friend or family member on your flight for free or at a discounted rate. This can be a great way to save money on travel and enjoy the company of someone you love.
6. No Foreign Transaction Fees
Many air miles credit cards in the UK don’t charge foreign transaction fees. This means you can use your card abroad with no extra fees, saving you money when travelling internationally.
7. Upgrade Your Travel Experience
Using air miles credit cards can help you upgrade your travel experience, such as flying first class or staying in luxurious hotels. With enough reward points and miles, you can enjoy a more comfortable and enjoyable travel experience that you may not have been able to afford otherwise.
8. Cashback Opportunities
Some air miles credit cards offer cashback opportunities, allowing you to earn money back on your purchases. This can be a great way to save even more money when using your credit card.
9. Wide Range of Partner Airlines
Air miles credit cards in the UK usually have a range of airline partners that you can redeem your points with. This means you’re not limited to just one airline and can choose the airline that suits you best.
10. Low or No Annual Fees
Finally, many air miles credit cards in the UK have low or no annual fees, making them a cost-effective way to earn reward points and miles. This can provide great value and an easier way to save money on travel-related expenses.
Thank You for Taking to the Skies with Air Miles Credit Cards UK
We hope our guide has given you the information you need to make the most out of your air miles credit card. Whether you’re a frequent flyer or an occasional traveler, these cards can save you money and open up new adventures. Don’t forget to read the fine print and compare different offers before making your decision. Thanks for flying with us, and we’ll see you again soon for more helpful tips and tricks on navigating the world of personal finance!