A comparison of Airline Mileage Programmes

Credit Card co-branded for a specific airline

Card

Annual fee

Rewards

APR

Minimum spend

Companion ticket

Initial bonus

Additional benefits

Amex British Airways Premium Plus

£150

1.5 Avios* point /£1 spent

19.9%

£10,000

Yes

18000

Miles

£250,000 travel insurance

Amex British Airways

£0

1 Avios* point/£1 spent

19.9

£20,000

Yes

9000

Miles

Travel Accident Insurance up to £75,000

Virgin Atlantic Black Card

£140

2 mils / £1 spent

18.9%

£7,500

Yes

6000

Miles

Complimentary Regus businessworld   gold membership

Amex Virgin Atlantic

£0

1 miles/ £1 spent

17.9%

£15,000

yes

3000

Miles

Amex BMI

£0

1.5/ £1 spent

16.9%

No

20,000

Miles

Two complimentary lounge passes

* Avios Points = Airmiles

A credit card more generic toward multiple airlines

This program has the advantage that you can use your points on many different airlines and other travel products such as tours, hotels, car rental etc. You accumulate points which along with cash allow discounts on the final cost of the travel product.

Card

Annual fee

Rewards

APR

Companion ticket

Initial Bonus

Additional benefits

Lloyds TSB

Master Card

Annual costs both cards £50

1.25 Avios* points for almost every   £5 you spend

21.9% APR

Yes Spend £15,000

2000 Miles

Avios* Points can be used for tours, hotels, car   rental various airlines

Lloyds TSB American Express

Annual costs both cards £50

1.25 Avios* points for almost every   £1 you spend

21.9% APR

Yes, Spend £15,000

10,000 Miles

Avios* Points can be used for tours, hotels, car   rental various airlines

* Avios Points = Airmiles

The Airline’s own frequently flyer programs

One should chose that airline (and/or airline group) that they anticipate flying with during the year, and then concentrate on using that airline as their primary carrier. The more often you use that Airline the more points will be accumulated toward either free flights, upgrades or other benefits.

Tips:

  • Try to fly only your primary airline during the year
  • Obtain a credit card that has that airline as its joint partner
  • Purchase your airline tickets (yourself and partner) with your airline designated credit card
  • Review carefully the airline benefits; hotels and car rentals purchase may provide additional points
  • Using a company card will allow for points; but not excess points

(Click on the airline below to review their plans)

British Airways Virgin Atlantic BMI