One of the most convenient methods to earn points and miles is credit cards. As long as the goods meet your needs, credit cards provide a speedy method to boost your point balances and set you on your path to (nearly) free travel. There are various terrific cards in the UK market with fascinating features, and here are my four personal favourites. We highly advise you to read the complete reviews of each of the cards below before deciding whether to apply. It’s also critical to thoroughly comprehend American Express’ new welcome bonus limits, which may impact your Amex strategy.
Top 10 Best Rewards Credit Card in The UK
1. Mastercard Avios Plus Barclaycard
The cabin upgrade is a highly significant advantage that may easily be worth hundreds of pounds, and the card does not have the same annoying welcome bonus limits that American Express has imposed. A Barclaycard does not preclude you from earning a welcome bonus with an American Express card and vice versa.
2. American Express British Airways Premium Plus Credit Card
The Companion Voucher is the most valued feature in the reward credit card industry in the United Kingdom. And, subject to certain criteria, it grants you a free ticket when you redeem your Avios, virtually doubling the value of your Avios pool if utilised properly.
In addition, the 25,000 Avios welcome bonus entitles you to an upgrade from World Traveller Plus to Club World or three return flights to a variety of European locations.
3. Credit Card Virgin Atlantic Reward+ Mastercard
Because this is a Mastercard, you’ll have a second option if Amex isn’t accepted. With a great sign-up incentive of 30,000 Virgin Points for a limited time only and a continued earning rate of 1.5 miles every £1 spent on ordinary transactions.
Double that for purchases made directly with Virgin or Virgin Holidays. This is the quickest way to achieve an Upper-Class redemption.
4. The American Express Platinum Card
The American Express Platinum Card is my top recommendation for people looking to maximise their card advantages. The enormous 60,000-point welcome bonus is fantastic for a short time only.
However, when the advantages are properly considered and for the appropriate individual, they offer enormous worth that may greatly exceed the yearly price. The gorgeous metal card is also a fantastic feature.
5. The American Express Business Platinum Card
With all of the benefits of this card, they may anticipate a more pleasant and efficient travel experience.
6. American Express Preferred Rewards Gold Credit Card (Amex)
If you haven’t had an American Express reward or cashback card in your name in the last two years, you’re eligible for a welcome bonus – and this card offers the highest cash bonus in the first year. To get 20,000 extra points, you must spend £3,000 in the first three months.
You’ll also get one point for every £1 to spend, for 23,000 points. Here are the greatest ways to put your Nectar points to work. There is also a £100 bonus if you spend £2,000 in the first three months. It translates to a £115 gift card. However, if you are ready to convert those points for Avios points and then back to Nectar points, the value rises to £184.
7. Nectar Credit Card from American Express (Amex)
This card is worth 1% since you will get two Nectar points for every £1 spent. However, you are restricted to using your points only with Nectar partners. These and a few more stores accept the points at face value.
Here are the greatest ways to put your Nectar points to work. There is also a £100 bonus if you spend £2,000 in the first three months.
8. American Express Platinum Cashback Credit Card (Amex)
You’ll be rewarded in cash rather than points for using this card, allowing you the freedom to spend the money you save in any way you see fit. It is credited to your card around the time of your 12-month anniversary.
Though this card has a £25 charge, you may gain an additional £20 (at the time of writing) by applying for it via the cashback site Quidco.
9. Cashback credit cards from Lloyds / Halifax
A good card (the same whether you acquire it from Lloyds or Halifax) offers 0.25 per cent on the first £4,000 spent. Though you may earn twice this cashback on spending beyond this amount each year, I believe it will be improbable for most if you already have an Amex.
10. Partnership card from John Lewis
Every 500 points earned translates into a £5 John Lewis coupon, which may also use at Waitrose. They are sent up to three times each year, so you will have to wait to redeem your rewards. The card also has an interest-free period of nine months and may be used as a balance transfer card for 18 months (2.9 per cent fee).
There are sometimes welcome bonuses and double point events. If you go straight, there is no eligibility checking. Thus, it makes sense to go via a comparison site like Money Saving Expert.
There are two kinds of cards that earn money as you spend it. Cashback credit cards reimburse you in real, hard cash. It’s normal credit to your card, but you may spend it as you wish. Reward cards are a little different in that you earn points, generally converted into vouchers at the affiliated merchant. Sometimes the points are for airline programmes, which you may utilise to acquire inexpensive tickets or upgrades. However, both have limits, so unless you travel often and accumulate many points, we believe you’d be better off ignoring them or converting them to Nectar in the case of Avios.
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