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  • SecretlyShopping
    Airmiles and Engagement
    Hello all, I need some advice. I'm looking to get a credit card that lets me collect airmiles. I travel approx one week per month for work (although this is more often on Eurostar than by air). All the same I spend a good amount each month on top of my own spending that I reclaim from my employer.

    Another reason for wanting an airmiles card is that I'm buying an engagement ring and thought I can probably save some money on the honeymoon flights (if she says yes!) by paying for the ring on card and get a points bonus (18k on BA Amex I think).

    The reason that I need advise is that I might extend my ring budget by using a 0% card. I'm lucky to have a good salary and a thrifty mentality so I have no fears about repaying. But the proposal is a last minute decision and the perfect date is coming up so I'd like to buy soon, pay later. However, I've never had any credit card or loan before and I'm unsure about transfering balances, applying for two cards in short space of time and which cards to go for etc.

    If there's any people out there who are good enough to offer some advice I'd be hugely grateful.
    • Penelopa.Pitstop
    • By Penelopa.Pitstop 28th Aug 12, 2:43 PM
    • 238 Posts
    • 108 Thanks
    Penelopa.Pitstop
    Airmiles usually don't come toghether with 0% promotions. Check BMI Credit Card - http://www.flybmi.com/bmi/en-gb/loyalty-programmes/bmi-credit-card-account/bmi-credit-card-account.aspx

    It gives 3 months 0% on purchases and 12 months 0% for balance transfer. If 3 months will be enough to pay off the ring, then it's very good card. It offers 1.5 mile per £1 spent on it. You can transfer miles to BA Executive Club.

    You will also get 20K miles when you spend £250 in first three months and there's no annual charge.
    Last edited by Penelopa.Pitstop; 28-08-2012 at 2:45 PM.

    • Blue_Max
    • By Blue_Max 18th Oct 12, 2:29 AM
    • 666 Posts
    • 165 Thanks
    Blue_Max
    Have I missed the 'flight'
    I applied for a bmi Plus Credit Card by mistake. Did not realise that it has annual fee. Application was approved. But I cancelled it before receiving the card. But they did send me a Diamond Club memebership number.

    I applied again for an ordinary BMI Credit Card, got accepted and the two cards are on its way.
    Terms at their website say that 20,000 miles bonus is for new customers only.
    Will I be considered as a new customer?

    If I get the 20,000 mile bonus, will I have to buy anything more (apart from the the £250 qualifying spend) to use the 20,000 miles when booking a flight?
    In other words, will a return flight be free as long as it is under 20,000 miles?

    Now that BMI and BA are merging, will I still have 90 days to earn 20,000 miles bonus and convert to Avios?

    Thanks!
    • rgajria
    • By rgajria 1st Nov 12, 7:37 PM
    • 87 Posts
    • 28 Thanks
    rgajria
    MBNA BMI card
    Hi, has anyone had any luck with the application form?
    seems to have been down (even from MBNA's site) since late october
    thanks in advance
    • Blue_Max
    • By Blue_Max 1st Nov 12, 8:49 PM
    • 666 Posts
    • 165 Thanks
    Blue_Max
    Hi, has anyone had any luck with the application form?
    seems to have been down (even from MBNA's site) since late october
    thanks in advance
    Originally posted by rgajria
    In September 2012, I applied for a 'bmi plus Credit Card Account' not realising that it incurr an annual fee. So I cancelled it. But both cards were sent to me within 3 weeks of applying.
    On 14 Oct 2012, I applied for normal bmi Credit Card account.
    I received both Amex and Visa on 24 Oct.
    Last edited by Blue_Max; 01-11-2012 at 8:53 PM.
    • Roger1
    • By Roger1 2nd Nov 12, 9:17 AM
    • 1,308 Posts
    • 580 Thanks
    Roger1
    The bmi credit card from MBNA is closed to new applicants.
  • pgregs1
    AtlanticVirgin White Credit Card or tesco clubcard for virgin miles
    i have a tesco clubcard credit card at the moment and i am going to transfer my vouchers into virgin airmiles under the lastest offer of 50% more miles for the vouchers ,what i want to know is would i get more miles staying with the tesco card and opt in to transfer my vouchers to virgin from now on or get the virgin credit card which adds miles everytime you use it, the virgin card i am thinking about is the AtlanticVirgin White Credit Card Account ,
    we spend about £800/£1000 per month & i wondered if anyone knows which would say over the course of a year give me the most miles ??
  • sdmitch
    Try MBNA Aadvantage Credit Cards
    I'm surprised that no one appears to have mentioned the MBNA Aadvantage Credit Cards. In my experience they are infinitely better than any of the other airline credit cards, especially if you are flying Transatlantic (including the Caribbean).

    With this card you earn miles on American Airlines through their frequent flyer programme (Aadvantage). AA were the pioneers of Airline Loyalty prorammes.

    The MBNA account is similar to the Duo account in that you have an Amex card and a Visa Card. Amex spending earns 1.5 miles per £1 and Visa 1 mile per £2. You also get a signing bonus of 5,000 miles

    Cheapest Transatlantic flights are 40,000 miles taxes with the off peak travel. Check out the AA website (www.AA.com) for details.

    Here are the two VERY important advantages of the programme:

    1. Transatlantic travel goes as far as Hawaii (yes you can get to Hawaii for 40,000 miles off peak!!! check this out as an example:

    2. The dreaded taxes and surcharges on American Airlines are a fraction of those charged by BA & Virgin heres an example:


    Return travel London HR to Los AngelesLAX in November is 40,000 taxes - £119.55 on American Airlines or £383.65 on BA

    When you shop for flights on the American website, BA flights also show because of their affiliation as part of the One World alliance.

    Trust me, this programme is infinitely better than any of the UK airlines programmes - I'm travelling direct to LA next month for 4 pax for 160,000 miles & £438 in taxes.

    Here's the link for MBNA (and no I don't work for them or have shares in them!) http://www.mbna.co.uk/choose-credit-card/
    • Giblets
    • By Giblets 16th May 13, 3:00 PM
    • 47 Posts
    • 18 Thanks
    Giblets
    BMI Credit Card
    Just an update, I joined the BMI card scheme after the BA takeover (to take advantage of their generous joining scheme).
    I was disappointed to learn that it was closing (only to new customers apparently), and the points are non transferable.
    However, as an existing customer, I have just been informed that my rewards are increased to two 'destination miles' for Amex, and one for the Visa card, and they are transferable again.

    These are directly transferable to Avios (1 to 1), so I am now getting a better rate than the Premium BA Amex card (only 1.5pts/£, without the £150 fee....result!
    • chattychappy
    • By chattychappy 16th May 13, 3:44 PM
    • 6,440 Posts
    • 3,395 Thanks
    chattychappy
    Some discussion (and surprise) here:http://www.flyertalk.com/forum/bmi-diamond-club/1448565-bmi-credit-cards-enhancements-mar-2013-inc-more-points-10-off-ba-flights.html

    BMI stopped some weeks back. Diamond Club now only continues for the purpose of the MBNA card and all you can do with the points is transfer them to Avios.

    Some have speculated that MBNA advanced purchased some miles and are now "using them up" before the DC contract ends. Who knows, but it does seem odd.

    I've noticed that "BMI Diamond Club" has become "Diamond Club" when I log in to MBNA. I have the fee-free BMI Mastercard.
    • egpx
    • By egpx 28th May 13, 8:10 PM
    • 39 Posts
    • 8 Thanks
    egpx
    Indeed it is most strange. The moribund Diamond Club's card now gives a better reward than BA's own premium card and without the fee. What you don't get of course is the companion voucher that you get with the BA card after spending £10,000 which, if used correctly, doubles the effectiveness of the points you've earned.

    I've got the fee-free Diamond Club Amex and Visa and the BA Premium £150 fee Amex. So far I've only really used the DC Visa for spending at places which don't accept the BA Amex and the DC Amex hardly at all. Now the plan is to use the BA Amex until I've spent £10,000 and earned the companion voucher and then use the DC Amex thereafter whilst using the DC Visa for non-Amex spending throughout.

    In effect the companion voucher is costing me 5000 avios by not using the DC Amex which is still worth it.
    • fifeken
    • By fifeken 9th Jul 13, 12:54 AM
    • 2,176 Posts
    • 1,130 Thanks
    fifeken
    Has anyone tried making mortgage overpayments (or even regular repayments) with their card to boost mileage earnings?

    It's my biggest monthly outlay so potential biggest earner if I can take advantage of it.
    • Doc N
    • By Doc N 9th Jul 13, 6:49 AM
    • 6,416 Posts
    • 19,308 Thanks
    Doc N
    Has anyone tried making mortgage overpayments (or even regular repayments) with their card to boost mileage earnings?

    It's my biggest monthly outlay so potential biggest earner if I can take advantage of it.
    Originally posted by fifeken
    I doubt very much whether you'd find a lender who'd take credit card payments (because of the cost to them).
    • shapala
    • By shapala 10th Apr 14, 12:42 PM
    • 321 Posts
    • 14,535 Thanks
    shapala
    Hi all

    Apologies for bringing this tread back from the dead but thought it best to ask here.

    I have recently taken advantage of the Amex Gold Chargecard where you receive 20,000 bonus points with a £2k spend in first few months. So I've done the spend already, all paid for and have 23K points available.

    I've been looking at BA's AVIOS to transfer the points as wife and I travel a bit but for us, the taxes just don't make it worthwhile (looking to travel to Italy or Croatia and taxes would be more than flying with other airlines such as EasyJet).

    So, does anyone know if we can transfer the points to the IHG programme, of which we're a Platinum member, through Virgin Atlantic? I heard people doing this before on another forum but cannot for the life of me find it which would be useful to say the least. I think the IHG points would come in more useful than any of the other programmes running with AmEx so this would be beneficial for us.

    Thanks so much in advance.
    • billchecker1
    • By billchecker1 11th Apr 14, 12:52 PM
    • 240 Posts
    • 78 Thanks
    billchecker1
    IHG left membership rewards (the amex points scheme) around a year ago.

    You really should read up on the avios scheme as you can travel to italy on a reward saver on which the tax you pay is only around £38.

    Go to flyertalk.com
    • shapala
    • By shapala 11th Apr 14, 2:19 PM
    • 321 Posts
    • 14,535 Thanks
    shapala
    IHG left membership rewards (the amex points scheme) around a year ago.

    You really should read up on the avios scheme as you can travel to italy on a reward saver on which the tax you pay is only around £38.

    Go to flyertalk.com
    Originally posted by billchecker1
    Many thanks. Will give this a look.
    • Doc N
    • By Doc N 11th Apr 14, 6:43 PM
    • 6,416 Posts
    • 19,308 Thanks
    Doc N
    Many thanks. Will give this a look.
    Originally posted by shapala
    You might also want to take a look at the IHG hotels you can book using Avios. Rates vary considerably according to location and date (inevitably) but it is possible to tease out the odd bargain - though flights within Europe would be a better bet if you can use them.
    • AlexiaH
    • By AlexiaH 7th Dec 14, 12:45 PM
    • 2 Posts
    • 0 Thanks
    AlexiaH
    Should I get one?
    Hello, I am planning on doing a couple of big journeys in the next 2-3 years and I was thinking on getting this card to help with the flights and also the hotels, I am not a high spender but try to use my credit cards as much as possible, always pay in full and have a good credit score. Should I get one of this cards?
    • SLZ
    • By SLZ 7th Dec 14, 3:58 PM
    • 232 Posts
    • 59 Thanks
    SLZ
    Hello, I am planning on doing a couple of big journeys in the next 2-3 years and I was thinking on getting this card to help with the flights and also the hotels, I am not a high spender but try to use my credit cards as much as possible, always pay in full and have a good credit score. Should I get one of this cards?
    Originally posted by AlexiaH
    Are you a frequent flyer? If not don't bother, if yes get the credit card that credits your frequent flyer account with the airline you fly, same applies to hotels.

    For example, I fly Emirates frequently, I'm Skywards Plat and I have the Emirates Skywards Elite credit card which I use for all flights expenditure, it works for me as I'm a frequent flyer so whether it would work for you is another matter.
    • N1AK
    • By N1AK 15th Jan 15, 3:58 PM
    • 2,847 Posts
    • 3,793 Thanks
    N1AK
    Hello, I am planning on doing a couple of big journeys in the next 2-3 years and I was thinking on getting this card to help with the flights and also the hotels, I am not a high spender but try to use my credit cards as much as possible, always pay in full and have a good credit score. Should I get one of this cards?
    Originally posted by AlexiaH
    Should I get a airmiles credit card or not?

    There really isn't an generic yes/no answer to this question. Generally airmile credit cards only really become worth considering if you take advantage of things like signup bonuses, and have sufficient monthly spend.

    For a couple if you spend £1,000 a month on credit cards then you could:
    > Get an Amex gold card in one name, spend £3k over 3 months earning ~28,000 airmiles in signup and spending.
    > Get another Amex gold in the others name, spend 3k over 3 months and earn ~33,000 airmiles in referall, signup and spending
    > Get the BA premium card for £150, spend on it for 10 months getting ~40,000 airmiles and a companion voucher.
    After 18 months you'd have ~110,000 Airmiles and a companion voucher for £150. Enough, roughly, to get two people to LA or Shanghai and back return in business just paying taxes+fees

    However almost all of that is based on bonuses for spending enough; only ~22,000 of those air-miles were for purchases.

    If you're spending less than £1,000 a month on credit cards (likely Amex cards really) then you'll get far less impressive returns on your spend.
    Having a signature removed for mentioning the removal of a previous signature. Blackwhite bellyfeel double plus good...
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