Compare Airline Credit Cards
Airmiles credit cards - now called Avios - could help turn your monthly spending into rewards like free flights and holidays.
Avios points can be collected through stores and banks such as Tesco, Lloyds TSB, and Marks and Spencer.
Reward your self - Earn 1 Avios for virtually every £1 you spend
- 1,000 bonus Avios when you spend £500
- Spend £20,000 on your Card in a year and redeem your Avios on a British Airways flight and you'll receive another ticket for a companion for the same flight and cabin2
- 19.9% representative APR (variable)
Representative Example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).
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Lloyds TSB Duo Avios MasterCard
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15.9%
APR
Representative
(Variable) -
- 0.0% balance transfer for 6 months (3.00% fee)
- Representative example: When you spend £1,200 at a rate of 15.94% (variable) per annum, your Representative APR is 15.9% APR (variable).
- 15.9% APR Representative Variable
- 0.0% balance transfer for 6 months (3.00% fee)
Features
- Collect 1 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard. Collect 2 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. Could get 18,000 bonus Avios when spending £500 in the first 3 months, terms and conditions apply.
- 0.0% balance transfer for 6 months (3.00% fee)
- Collect 1 Avios per £5 spent on the Lloyds TSB Duo Avios MasterCard. Collect 2 Airmiles per £5 spent on the Lloyds TSB Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider.
Rates
Balance Transfer:
- 0.0% balance transfer for 6 months (3.00% fee)
Cash Advance:
- 3.0%
Default Charges
- Exceeding personal limit subject to a handling fee of £12.
- Late payment subject to a handling fee of £12.
- Returned payment subject to a handling fee of £12.
Eligibility
- Is not available to existing customers
- Minimum income of £15000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
Charges
Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.
Statement copy subject to a handling fee of £6.
Replacement card subject to a handling fee of £0.
Voucher copy (UK) subject to a handling fee of £5.
Voucher copy (Worldwide) subject to a handling fee of £5. Cash advance subject to a handling fee of £2.5 (minimum £2.5).
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Virgin Atlantic White Amex
-
17.9%
APR
Representative
(Variable) -
- 0.0% balance transfer for 6 months (2.00% fee)
- Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your Representative APR is 17.9% APR (variable).
- 17.9% APR Representative Variable
- 0.0% balance transfer for 6 months (2.00% fee)
Features
- 3,000 Flying Club miles upon first card purchase within the first 90 days of opening account. Double miles when card used with Virgin Atlantic and Virgin Holidays. If retail spend of greater than £15K pa a companion ticket is earnt for a qualifying flight with Virgin Atlantic. If retail spend of greater than £10K pa a premium upgrade with an economy redemption (max 2 per year) can be made.
- 0.0% balance transfer for 6 months (2.00% fee)
Rates
Balance Transfer:
- 0.0% balance transfer for 6 months (2.00% fee)
Cash Advance:
- 2.0%
Default Charges
- Exceeding personal limit subject to a handling fee of £12.
- Late payment subject to a handling fee of £12.
- Returned payment subject to a handling fee of £12.
Eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
Charges
Cash withdrawal fee: 20.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.
Statement copy subject to a handling fee of £2.
Replacement card subject to a handling fee of £0.
Voucher copy (UK) subject to a handling fee of £0.
Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £2.5 (minimum £2.5).
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British Airways American Express Card
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19.9%
APR
Representative
(Variable) -
- Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your Representative APR is 19.9% APR (variable).
- 19.9% APR Representative Variable
Features
- Earn 1 Avios for virtually every £1 spent, plus collect 1,000 bonus Avios when £500 is spent on card in the first 3 months. Spend £20K on the card in 12 months and redeem the Avios on a British Airways flight and receive another ticket for a companion for the same flight and cabin.
- 9,000 Avios points (when you spend £1,000 in your first 3 months of Cardmembership)
Rates
Cash Advance:
- 3.0%
Default Charges
- Exceeding personal limit subject to a handling fee of £12.
- Late payment subject to a handling fee of £12.
- Returned payment subject to a handling fee of £12.
Eligibility
- Is not available to existing customers
- Minimum income of £30000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
Charges
Cash withdrawal fee: 27.9%
Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.
Statement copy subject to a handling fee of £5.
Replacement card subject to a handling fee of £0.
Voucher copy (UK) subject to a handling fee of £3.
Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).
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Lloyds TSB Premier Duo Avios MasterCard
-
21.9%
APR
Representative
(Variable) -
- 0.0% balance transfer for 6 months (3.00% fee)
- Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 annual fee, your Representative APR is 21.9% APR (variable).
- 21.9% APR Representative Variable
- 0.0% balance transfer for 6 months (3.00% fee)
Features
- Collect 1.25 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard. Collect 2.5 Avios per £5 spent on the Lloyds TSB Premier Duo Avios MasterCard abroad. Collect 1,500 Avios for every whole £1,000 balance transferred from a single provider. Could get 30,000 bonus Avios when spending £500 every month for the 3 months, terms and conditions apply.
- 0.0% balance transfer for 6 months (3.00% fee)
Rates
Balance Transfer:
- 0.0% balance transfer for 6 months (3.00% fee)
Cash Advance:
- 3.0%
Default Charges
- Exceeding personal limit subject to a handling fee of £12.
- Late payment subject to a handling fee of £12.
- Returned payment subject to a handling fee of £12.
Eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
Charges
Cash withdrawal fee: 27.9% Your monthly minimum payment must be to an amount equal to the total of the interest, any late payment, over limit or returned payment charges, 1/12th of your annual fee (if applicable) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
Repayment terms: We use any payments you make to pay off Transactions that appear on your statement starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, we will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by charges. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, “Transaction” includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal.
Statement copy subject to a handling fee of £6.
Replacement card subject to a handling fee of £0.
Voucher copy (UK) subject to a handling fee of £5.
Voucher copy (Worldwide) subject to a handling fee of £5. Cash advance subject to a handling fee of £2.5 (minimum £2.5).
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Virgin Atlantic Black Amex
-
47.2%
APR
Representative
(Variable) -
- 0.0% balance transfer for 6 months (2.00% fee)
- Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your Representative APR is 47.2% APR (variable).
- 47.2% APR Representative Variable
- 0.0% balance transfer for 6 months (2.00% fee)
Features
- 6,000 Flying Club miles upon first card purchase within the first 90 days of opening account. 2 Flying Club miles for every £1 spent. Double miles when card used with Virgin Atlantic and Virgin Holidays. If retail spend of greater than £7.5K pa a companion ticket is earnt for a qualifying flight with Virgin Atlantic. If retail spend of greater than £5K pa a premium upgrade with an economy redemption (max 2 per year) can be made.
- 0.0% balance transfer for 6 months (2.00% fee)
Rates
Balance Transfer:
- 0.0% balance transfer for 6 months (2.00% fee)
Cash Advance:
- 2.0%
Default Charges
- Exceeding personal limit subject to a handling fee of £12.
- Late payment subject to a handling fee of £12.
- Returned payment subject to a handling fee of £12.
Eligibility
- Is not available to existing customers
- Minimum income of £0
- 18 years minimum age
- Is not available to applicants with County Court Judgements
Charges
Cash withdrawal fee: 20.9% 1% of the statement balance before any default charges and interest after which default charges and interest will be added.
Repayment terms: If you do not pay your balance in full we will use your payments: 1) to reduce higher rate balances before lower rate balances If introductory rate balances are the same we will repay as follows: 1) if the promotional and standard interest rate match, we will use your payments against the promotional interest rate; then 2) if the expiry dates, and start dates are the same - the one with the highest standard rates; then 3) if the expiry dates are the same - the one which started first.
Statement copy subject to a handling fee of £2.
Replacement card subject to a handling fee of £0.
Voucher copy (UK) subject to a handling fee of £0.
Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £2.5 (minimum £2.5).
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British Airways American Express Premium Plus
-
50.1%
APR
Representative
(Variable) -
- Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your Representative APR is 50.1% APR (variable).
- 50.1% APR Representative Variable
Features
- 1.5 Avios for virtually every £1 spent using the Card. Collect 6,000 bonus Avios on first spend on the card. Earn 3 Avios on BA flights and Holidays. Companion airline ticket when you spend £10K on the Card within one year and you redeem your Avios for BA flight.
- 18,000 Avios points (when you spend £3,000 in your first 3 months of Cardmembership)
Rates
Cash Advance:
- 3.0%
Default Charges
- Exceeding personal limit subject to a handling fee of £12.
- Late payment subject to a handling fee of £12.
- Returned payment subject to a handling fee of £12.
Eligibility
- Is not available to existing customers
- Minimum income of £30000
- 18 years minimum age
- Is not available to applicants with County Court Judgements
Charges
Cash withdrawal fee: 27.9%
Repayment terms: We will apply payments to balances bearing the highest interest rate first. In applying this principle, we will first apply payment to amounts that have appeared on your monthly statement, and we may secondly, apply payments to amounts that have not yet appeared on your monthly statement.
Statement copy subject to a handling fee of £5.
Replacement card subject to a handling fee of £0.
Voucher copy (UK) subject to a handling fee of £3.
Voucher copy (Worldwide) subject to a handling fee of £0. Cash advance subject to a handling fee of £3.0 (minimum £3.0).
What are airline or Airmiles credit cards?
Airline credit cards are reward-based credit cards which allow you to earn points, or 'Avios' - the new replacement scheme for Airmiles - when used for purchases. Points can be collected via stores and financial providers such as Tesco, Lloyds TSB, and Marks and Spencer.
Unlike with Airmiles, the Avios scheme lets you use points for one-way flights and some flights in and out of different airports.
Should I get an airline credit card?
With interest rates bordering on the 20% mark, airline credit cards are only suitable if you’re able to pay your balance in full every month. Some cards also come with hefty annual fees of up to £150, though these cards normally offer higher rates of reward.
If you’re looking to borrow, you’d be better off focusing on getting the lowest interest rates – see the top 0% purchase credit cards and low APR deals for more.