Which Credit Card to get

Lewis Martin: The Money Saving Expert unveils the best credit card

Money Saving Expert MARTIN LEWIS has unveiled the best credit card options available this morning. gigya.socialize. showShareBarUI(showShareBarUI_params); Martin Lewis showed up this morning to unveil the best credit card available. American Express Platinum is the best free card, paying 5 percent cash back (max 100) for three month and up to 1 percent thereafter.

9% APR if you don't reimburse the full amount every single monthly, so make sure you do. Amex Rewards Gold Card: If you spent more than 2,000 on the Amex Rewards Gold Card in the first three monthly periods, you will receive 20,000 reward points valued at 100 pounds Amazon/Boots/M&S free card or enough Avios points for a BA Europe yield (you will still be paying tax and fees).

£2,000 may sound like a great deal, but divided into three monthly periods, 700 per month isn't as big for many a family. Toll -free BA Amex gives 1 Avios point per 1 pound spent, plus 5,000 additional if you spent 1,000+ within the first three monthly periods. 9% Representative APR. But keep in mind that the issue with Avios and other reward programs is getting a plane on the date you want, so it's best for those with flexible options to fly when planes are available.

Some few special credit card types provide almost flawless foreign currency conversion when you are spending abroad. 9% Representative APR.

Which is the best Avios credit card?

Which is the best credit card to collect Avios points? It is not such a simple response as you may think and novices to this hobbies may not be fully conscious of the full array of available maps. With all the recent card closings as the sector responds to interbank fee reductions, I thought it would be useful to update our bonus masters.

While there are the American Express maps that deal Avios directly, there are other maps that provide bonuses that can be turned into Avios points. However, which of them is the best credit card to earn Avios? Section 2 will compare the same maps with respect to their daily profitability in the morning.

Keep in mind that most of the best tickets bear an annuity charge. American Express Preferred Rewards Gold is the best free card (free for at least the first year) that gives you 20,000 member reward points that can be converted into 20,000 Aviation Rewards. Please be aware that while some of these maps have points that can be converted into vios, this is not necessarily the best use.

With the 20,000 IHG Rewards Club points from the Premium Mastercard, for example, you receive one free night's accommodation in many Holiday Inn properties, which is a better offering than 4,000 Avios. Several of these maps have a higher bonuses when they are forwarded. Please find all necessary information in the corresponding section on our page "Credit card update".

To verify your credit information before requesting a new card, click here to get your free Experian Credit Score. Best Avios earner credit card personal: In order of highest sign-up bonuses, 80,000 HSBC points will be converted into 40,000 Avios. To qualify for the full bonuses you must pay 12,000 in your first year and you will only get the second half at the end of the year which obliges you to pay the second year' fees.

This card offers numerous other advantages, among them 500 aerodrome loop facilities via LoungeKey. APR representative 59. 3% floating, up to £195 charge calculated on a fictitious 1200 credit line. 30,000 Reward Points will be converted into 30,000 Avios. In 3 month, spent 2,000 to redeem the bonuses. Platinum also offers a significant number of other tour advantages, among them Marriott Rewards / SPG Gold, Radisson Rewards Gold, Hilton Honors Gold, Melia Rewards Gold, Shangri-La Golden Circle Jade hotels reservation, tour operator coverage, two Priority Pass tickets for free entry to the Airports Club (each for two persons, incl. the aspiring club at Heathrow T5), entry to the Plaza Premium Club at Heathrow T5 and entry to the Eurostar Club.

Withdraw 3,000 within 3 month to redeem the bonuses. It is not possible to keep this card and the free British Airways American Express at the same place. Zero percent floating, up to £195 charge, assuming a fictitious credit line of £1200. The best bonuses on a free or "free card for the first year". 20,000 Member Reward Points will be converted into 20,000 Avios.

In 3 month, spent 2,000 to redeem the bonuses. 6 per cent floating, up to and incl. annuity charge (free in year 1), calculated on a fictitious credit line of £1,200. 30,000 points in the new Marriott/SPG program will be converted into 10,000 Avios. In 3 month's time, you' re spending 1,000 to redeem the bonuses. 2 per cent floating, which includes a fictitious credit line of £1200.

We have three different types of this map. Lower Installment - 5,000 Membership Reward Points Bonuses and a Reasonable Annual Interest of 9.9% Floating (click here) or BASIC - 10,000 Membership Reward Points Bonuses and a Reasonable Annual Interest of 22.9% Floating (click here) or BUY - NO Signup Bonuses but 0% Annual Interest on 18 Month and Reasonable Annual Interest of 22.9% Floating Beyond (click here).

To keep the overview I like Preferred Rewards Gold for the first free year because of the higher bonuses and better performance. In 3 month's timeframe, you' re spending 1,000 to redeem the upside. It is not possible to own this card and British Airways Premium Plus American Express at the same in-store. 20,000 IHG Rewards Club points will be converted into 4,000 Avios.

The bonus is released with 200 spending within three month. 5 per cent floating, up to and including charge on a fictitious credit line of £1200. 1,000 Tesco Clubcard points will be converted into 2,400 Avios. It is a promotional offering that expires on 31 January 2019. The bonus is released with the first buy. 10,000 IHG Rewards Club points will be converted into 2,000 Avios.

Bonuses are released with 200 spending within three month. HSBC's free Premier Mastercard is not listed as it does not provide a sign-up reward. Part 2 of this paper - click here - will show you the earnings opportunities for all these maps.

Referrals are primarily predicated on the earning of points and mileage, and do not take into account interest rate, credit level or any effect on your credit histories. When I recommend credit card on this website, I am - from a technical point of view - a creditor.