Top Best Credit Cards in UK (0048)

Top Best Credit Cards in UK: One of the simplest methods to accumulate points and miles is by using credit cards. Credit cards provide a rapid way to raise your point balances so you can start travelling for (nearly) nothing, provided the items are suitable for your needs.

Here are my four personal favourites from among the many fantastic cards with exciting benefits on the U.K. market.

Top Best Credit Cards in UK 2022 In My Opinion and Research Based

1. American Express Preferred Rewards Gold Credit Card


After spending £3,000 in the first three months, qualified candidates will get a welcome bonus of 20,000 Membership Rewards points.

Earning rates are as follows: 1 Membership Reward point for every £1 spent on all purchases, 2 Membership Rewards points for every £1 spent with airlines or in a foreign currency (though there is a 2.99% foreign transaction fee), and 3 Membership Rewards points for every £1 spent at American Express Travel

Two annual lounge tickets to enhance your airport experience are among the other major advantages. More than 1,200 lounges throughout the world are part of the Priority Pass network, where the visits must be made. Every month, two unique £5 Deliveroo credits.

This card has a representative APR of 61.4% variable and a purchase rate of 25.7% variable with an assumed credit limit of £1,200. It also has an annual fee. There is a £140 annual charge, however the first year is free.

Why it\’s fantastic My #1 recommendation for someone just getting started with the miles and points game is the American Express Preferred Rewards Gold Credit Card. This card is a no-brainer because it offers a 30,000 Membership Rewards point welcome bonus, has no annual fee the first year, and a superb point-earning structure. Additionally, you are accruing Membership Rewards points, which are exchangeable for goods and services with any of Amex\’s 17 partners. Thats Why its 1st on Top Best Credit Cards in UK

For instance, utilising British Airways\’ superb Reward Flight Saver feature, 30,000 MR points may be converted to Avios for two roundtrip tickets to the majority of European destinations, with one-way flights starting at 4,000 points. The fresh Deliveroo credits added each month merely improve the offer.

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2.Barclaycard Avios Plus Mastercard

Greeting bonus After spending £3,000 in the first three months of card membership, you\’ll receive 25,000 bonus Avios.

Earning rate: 1.5 Avios for every £1 spent on all purchases, the highest rate of any credit card in the UK that awards Avios (the other being the British Airways American Express Premium Plus Card). You may anticipate acceptance at more merchants with a Mastercard than an American Express card. The card also levies a foreign transaction fee of 2.99%, which is greater than the value of the Avios it would earn from these purchases.

Additional major advantages include earning worthwhile cabin upgrade coupons with British Airways once every 12 months. When using the cabin upgrade voucher, you can add one additional cabin to a return reward flight reservation without incurring any additional Avios fees. For the higher class, there are payable fees, taxes, and surcharges. If you spent £10,000 on the Barclaycard Avios Plus Mastercard within the previous 12 months

You can receive a cabin upgrade ticket every 12 months. To upgrade from Euro Traveller to Club Europe in Europe or from World Traveller Plus to Club World on long-haul flights, use the cabin upgrade voucher.

This card has a representative APR and purchase rate of 23.9% variable, with an expected credit limit of £1,200, and an annual fee of $25. Instead of an annual fee, there is a monthly fee of £20, making the total cost for the year £240. This could be a clever solution for anyone hesitant to get a credit card with an annual charge because you just pay a monthly price as long as you retain the card. Thats why its 2nd on Top Best Credit Cards in UK

Why it\’s fantastic This is a brand-new offering on the U.K. credit card market that is very exciting. For a limited time, only TPG UK readers can take advantage of a class-equaling daily earn rate and a sizable welcome bonus of 30,000 Avios. The card doesn\’t have the same annoying restrictions on welcome bonuses that American Express has placed, and the cabin upgrade is a really important incentive that can easily be worth hundreds of pounds.

You can earn a welcome bonus with an American Express card even if you have a Barclaycard, and vice versa. The Barclaycard Avios Plus Mastercard application may be found here.

3. British Airways American Express Premium Plus Credit Card


25,000 British Airways Avios as a welcome incentive after spending £3,000 in the first three months.

Earning rate: 3 Avios for every £1 spent directly with British Airways or BA Holidays, 1.5 Avios for every £1 spent on all other purchases (the highest daily earning rate of any U.K. credit card).

Additional significant advantages: After spending £10,000 each year on the card, a 2-for-1 companion voucher is obtained. The ability to bring a companion along on the same aircraft and in the same cabin when redeeming Avios for a BA incentive flight makes the Companion Voucher the best credit card bonus available. The certificate is redeemable for any BA class of service, and starting on September 1st, Club World availability has risen as well.

Taxes, fees, and other carrier costs continue to be applicable to the companion, of course. The Voucher is good for two years when earned with this card, though extensions will be available starting in 2020. Don\’t overlook the specifics of this wonderful and highly profitable benefit.

Example and annual fee: This card has a 102.5% variable APR, a 25.3% variable purchase rate, and an imagined £1,200 credit limit. For annual fees paid after 1 September 2021, the fee will rise to £195 from £250.

Why it\’s fantastic In the market for reward credit cards in the United Kingdom, the Companion Voucher is the most valuable perk. Additionally, subject to a few of restrictions, it offers you a complimentary ticket whenever you redeem Avios, effectively tripling the value of your pool if used properly. Additionally, you can upgrade from World Traveller Plus to Club World or book three round-trip tickets to several European destinations with the welcome bonus of 25,000 Avios. Thats why its third on Top Best Credit Cards in UK

4. Virgin Atlantic Reward+ Mastercard Credit Card


For new customers who use their cards for the first time within 90 days of their account opening and who are approved by June 6, 2022, there is a sign-up incentive of 30,000 extra Virgin Points.

Earnings: 1.5 Virgin Points for every £1 spent on regular purchases; 3 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Vacations.

Other significant advantages include the ability to redeem your \”Virgin Atlantic reward\” as companion airfare after spending £10,000 per year. Virgin has also disclosed changes to this award that broaden the range of what is available.

The typical APR and annual fee for this card are 63.9% variable and 22.9% variable, respectively, with an assumed credit limit of £1,200. There is a £160 yearly fee.

Why it\’s fantastic This Mastercard gives you a fallback in cases where Amex might not be accepted. With a fantastic welcome bonus of 30,000 Virgin Points for a short period of time and a consistent earning rate of 1.5 miles for every £1 spent on regular purchases — with double that for purchases made directly with Virgin or Virgin Holidays — this programme provides an accelerated route to getting an Upper Class redemption.

The new Virgin Red programme now makes it possible to earn and spend Virgin Points in many more ways to enhance the rewards from this credit card. Utilizing Virgin Points is simpler than you would imagine. You can use them to pay for flights on Air France and KLM, did you know that. Thats Why its 4th on  Top Best Credit Cards in UK


Credit cards are your best option if you want to earn your way to redemption in the near future. Most U.K. mile and point collectors will find this set of cards to be sufficient, and you\’ll be well on your way to maximising your returns given that you\’re earning three different and significant point currencies.In this Posts i have shown Top Best Credit Cards in UK:

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