Welcome to the PointsGuru.uk review of the best UK rewards credit cards.
One of the best ways to add a significant amount of points / miles to your chosen points / miles balance in a relatively short amount of time, is with a rewards credit card. There are a number of reward cards available from banks own to airline cards, each of which have their own merits and can help you get closer to free flights (tax payable) or hotel stays.
I have listed my three favourite cards below based on their merits, however please check out the full info and T&C’s from the issuers websites before you sign-up.
American Express® Preferred Rewards Gold Credit Card
Annual Fee: Free for 1st year.
Sign-up Bonus: 10,000 Membership Rewards points when you spend £3,000 in your first three months of Card membership.
Earning Rates: Earn Membership Rewards points on all your purchases at the following rates:
- One point for every £1 spent on purchases on your Card
- Two points for every £1 spent directly with airlines or in a foreign currency
- Three points for every £1 spent at American Express Travel, your exclusive Cardmember online travel site.
Additional Benefits: Two complimentary lounge visits per year at a choice of over 700 lounges worldwide. Travel Inconvenience and Travel Accident protection for you, your Supplementary Cardmembers, their respective partners and dependent children under the age of 23 whether travelling together or alone on business or leisure trips. Global assist provides 24/7 help whenever you are travelling outside the UK.
Anniversary Bonus: Celebrate with 10,000 Membership Rewards points after each year of Cardmembership when you spend at least £15,000 within the 12 month period of your Card anniversary.
Card APR: The card has a representative APR of 57.6% variable and a purchase rate of 22.9% variable with an assumed credit limit of £1,200. There is an annual fee of £140, which is waived for the first year.
Why we like: With the 10,000 point sign-up bonus, earning rates and no fee for the 1st year, the American Express® Preferred Rewards Gold Credit Card is a great 1st rewards card to start you off on you points adventure. Your points are not tied down to a specific airline or hotel program. The points (which do not expire) can be transferred to any of Amex’s partners or used to offset purchases made on your card. In addition, you can earn an additional 6,000 points if you refer a friend and they are approved, up to 90,000 points a year.
British Airways American Express® Premium Plus Card
Annual Fee: £195
Sign-up Bonus: 25,000 bonus Avios when you spend £3,000 in your first three months of Cardmembership.
Earning Rates: Earn 1.5 Avios for virtually every £1 you spend and 3 Avios for virtually every £1 you spend direct with British Airways or BA Holidays
Additional Benefits: Travel Inconvenience insurance covers flight cancellations, delays and delayed luggage when you pay with your Card. Travel accident insurance protects you for up to £250,000 on public transport when you buy your ticket on your Card. Global Assist provides help when you travel outside of the UK, in you own language, 24/7.
Anniversary Bonus: Get 2-for-1 travel with a Companion Voucher when you spend £10,000 each membership year on the Card, which you can use to take a companion with you in the same flight and cabin when you redeem Avios for a British Airways reward flight. Taxes, fees and carrier charges apply
Card APR: The card has a representative APR of 76.0% variable and a purchase rate of 22.9% variable with an assumed credit limit of £1,200. There is an annual fee of £195.
Why we like: With the 25,000 Avios sign-up bonus and great earning rates especially if you purchase flights or holidays with BA, the British Airways American Express® Premium Plus Credit Card is a great rewards card if you use BA as your preferred airline. The Avios can be used for reward flights or for upgrades. BA has an extensive route network for Avios redemption. In addition, you can earn an additional 9,000 points if you refer a friend and they are approved, up to 90,000 points a year.
Virgin Atlantic Reward+ Credit Card
Annual Fee: £160
Sign-up Bonus: Earn 15,000 bonus miles with your first card purchase – just make it within 90 days of opening your account.
Earning Rates: 1.5 Flying Club miles for every £1 you spend on everyday card purchases. And 3 miles for every £1 you spend with Virgin Atlantic or Virgin Holidays.
Additional Benefits: 0% for 6 months on balance and money transfers (you’ll pay a 3% fee). Mastercard is widely accepted around the world.
Anniversary Bonus: Choose from an upgrade to Premium or a Companion ticket when you spend £10,000 in a year.
Card APR: The card has a representative APR of 63.9% variable and a purchase rate of 22.9% variable with an assumed credit limit of £1,200. There is an annual fee of £160.
Why we like: With the 15,000 Flying Club miles sign-up bonus and great earning rates especially if you purchase flights or holidays with Virgin, the Virgin Atlantic Reward+ Credit Card is a great rewards card if you use Virgin Atlantic as your preferred airline. In addition, the spend dependant anniversary bonus can be redeemed as a 2 for 1 or upgrade voucher. I have this card as I wanted a Visa or Mastercard airline regards card. You can see how I am getting on with rewards here.
Other info: Please check the above cards meet your requirements prior to sign-up. Information given in non-advise form. To maximise your rewards, card balance should be cleared monthly. Do not fabricate spend to generate points / rewards.