AirMile Credit Cards

The credit cards featured below offer holders points towards popular air mile reward schemes. Points can be earnt when customers travel or spend with their credit card. These frequent flyer miles can be redeemed for discounted flights, upgrades and accomodation with major airline groups. If you like to travel, then an airmile credit card could help you maximise your everyday spend.

Card Image Credit Card Name Features & Benefits Rewards Sign-up Bonus Annual Fee Points Earn Rate Representative APR (variable) Credit Score Required Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Virgin Atlantic White Credit Card Virgin Atlantic White Credit Card
  • 3,000 miles with your first card purchase within 90 days of account opening, plus an additional 7,000 bonus miles if applied for before 3 April 2017 and spend a total of £1,000 in the first 90 days.
  • 1 Flying Club mile for every £1 spent with the Virgin Atlantic White American Express Credit Card from MBNA and 1 Flying Club mile for every £2 spent with the Virgin Atlantic White Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • Eligibility check: Find out if you are eligible before applying for this card
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Virgin Money plc is a credit broker/intermediary for Virgin Atlantic Credit Cards. MBNA Limited is the lender
Flying Club miles 10,000 Flying Club miles* £0 Amex - 1 mile
Visa - 0.5 mile
22.9% APR Good Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Amex British Airways Amex British Airways
  • 5,000 bonus Avios when spending £1,000 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
Avios 5,000 Avios £0 Amex - 1 mile 22.9% APR Good Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Virgin Atlantic Black Credit Card Virgin Atlantic Black Credit Card
  • 18,500 miles with your first card purchase within 90 days of account opening, plus an additional 6,500 bonus miles if applied for before 3 April 2017 and spend a total of £3,000 in the first 90 days.
  • 2 Flying Club miles for every £1 spent with the Virgin Atlantic Black American Express Credit Card from MBNA and 1 Flying Club mile for every £1 spent with the Virgin Atlantic Black Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • £140 annual fee
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Eligibility check: Find out if you are eligible before applying for this card
Flying Club miles 25,000 Flying Club miles* £140 Amex - 2 miles
Visa - 1 mile
54.7% APR Good Representative Example: Representative 57.40% APR (variable). Based on an annual fee of £140, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Amex British Airways Premium Plus
  • 25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership
  • 1.5 Avios for virtually every £1 you spend
  • Companion voucher when you spend £10,000 each card anniversary year
  • You must be a UK resident and have no history of bad debt
Avios 25,000 Avios £195 Amex - 2 miles
Visa - 1 mile
76.0% APR Excellent Representative Example: Representative 76.00% APR (variable). Based on an annual fee of £195, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
 APPLY ONLINE

Credit Needed
Good
  • 3,000 miles with your first card purchase within 90 days of account opening
  • 1 Flying Club mile for every £1 spent with the Virgin Atlantic White American Express Credit Card from MBNA and 1 Flying Club mile for every £2 spent with the Virgin Atlantic White Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • Eligibility check: Find out if you are eligible before applying for this card
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Virgin Money plc is a credit broker/intermediary for Virgin Atlantic Credit Cards. MBNA Limited is the lender
  • Rewards
    Flying Club miles
    Sign Up
    Bonus
    5,000 miles
    Annual Fee
    £0
    Earn Rate
    (per £)
    Amex - 1 mile
    Visa - 0.5 mile
    Representative APR (variable)
    22.9%
    APR

Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 5,000 bonus Avios when spending £1,000 within the first 3 months of Cardmembership
  • Earn 1 Avios for virtually every £1 you spend
  • Companion Voucher when you spend £20,000 per anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Rewards
    Avios
    Sign Up
    Bonus
    5,000 Avios
    Annual Fee
    £0
    Earn Rate
    (per £)
    Amex - 1 mile
    Representative APR (variable)
    22.9%
    APR

Representative Example: Representative 22.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 18,500 miles with your first card purchase made within 90 days of account opening
  • 2 Flying Club miles for every £1 spent with the Virgin Atlantic Black American Express Credit Card from MBNA and 1 Flying Club mile for every £1 spent with the Virgin Atlantic Black Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • £140 annual fee
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Eligibility check: Find out if you are eligible before applying for this card
  • Rewards
    Flying Club miles
    Sign Up
    Bonus
    18,500 miles
    Annual Fee
    £140
    Earn Rate
    (per £)
    Amex - 2 miles
    Visa - 1 mile
    Representative APR (variable)
    57.4%
    APR

Representative Example: Representative 57.40% APR (variable). Based on an annual fee of £140, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • 25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership
  • 1.5 Avios for virtually every £1 you spend
  • Companion voucher when you spend £10,000 each card anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident and have no history of bad debt
  • Rewards
    Avios
    Sign Up
    Bonus
    25,000 Avios
    Annual Fee
    £195
    Earn Rate
    (per £)
    Amex - 1.5 miles
    Representative APR (variable)
    76%
    APR

Representative Example: Representative 76.00% APR (variable). Based on an annual fee of £195, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

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What are Airmile credit cards?

Airmile credit cards offer rewards points every time you spend with your credit card. Once collected, these points (or Airmiles) can be exchanged with popular airline loyalty schemes (like Avios and Virgin Flying Miles) for flights and other travel related perks.

Which is Airmile card is the best?

Airmile cards are available from a number of UK card issuers, and although they are broadly similar, each has different features that will determine how appropriate it is for a particular applicant.

For instance, many Airmile cards offer bonus reward points to incentivise applications, but, if the airline does not offer destinations that appeal to you, no amount of points will make the card worthwhile.

Comparing Airmile cards

Aside from the routes a particular carrier flies, there are other questions which must be considered when you compare credit cards before applying, to ensure you get the most beneficial product, such as;

Do you clear your balance every month?

One of the most attractive features of all credit cards is the revolving credit line they offer, which, assuming you meet your monthly minimum payment, can be cleared at a time convenient to you (unlike a loan, which has a fixed repayment schedule).

However, although revolving credit can be a useful tool, the interest incurred if you can't clear your balance in full every month is likely to negate the benefit of any Airmile rewards you have collected. In other words, it will cost you more in interest payments than the value of the points you earn are worth.

Do you have a good credit score?

Airmile cards tend to be premium products and, regardless of income, they are not available to people with a bad credit history. If you have a bad credit history and you know you want an Airmile card, you should first consider rebuilding your credit score (with a credit building card perhaps). This may take some time, but it is likely to be far quicker than being declined for a product, which tarnishes a poor credit score still further.

Which card offers the best Airmile 'earn rate.'

The value of Airmiles differs by reward scheme, so a point with one scheme will not necessarily take you as far as a point from another (and neither is likely to take you a full mile).

Also, although some issuers offer cards for the same reward schemes, the rate at which you earn points can vary considerably. Obviously, the more points you collect, the more you can exchange them for, so maximising 'earn rate' is key to getting the best Airmiles deal.

Annual Fees - to pay, or not to pay?

In the UK, we have become accustomed to credit cards which do not charge an annual fee. However, maintaining a credit card account costs the card issuer in terms of postage, production, administration and servicing. In addition to these costs, Airmile credit cards also require the administration of a rewards scheme. As such, many cards do charge their users an annual fee.

Annual fees can be avoided if you are willing to forfeit some of your points-earning potential. However, depending on the amount you spend, annual fees can worth paying, since they are usually associated with far higher 'earn rates'.

Bonus miles

Most Airmile card issuers offer bonus miles to encourage people to sign up for their products. Bonus miles can be a useful way to fast-track collecting Airmile points, but as with other points, they are not all equal, so simply looking at the number available may offer little insight as to their exchanged value.

Upgrades and companion tickets

If you spend a lot on your credit card, then you should look out for seat upgrades and companion tickets that many card issuers offer to users who reach certain spend levels. In many instances, although you usually have to pay any taxes associated with the flights, these benefits can be worth more, monetarily, than the points themselves.

Two cards are better than one?

Don't be alarmed that some Airmile card products come with two physical credit cards.

Because of the way the interchange (the money that issuers receive from retailers to enable purchases on their cards) is applied, American Express can afford to offer more generous rewards than Visa or MasterCard, and it is for this reason that most Airmile cards are Amex. However, card issuers also recognise that low levels of Amex card acceptance by merchants can frustrate users, so many of these issuers pair Amex cards with the more universally accepted cards. This means that cardholders can benefit from points wherever cards are accepted, albeit they earn more as and when they can use Amex.

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