Air Miles Credit Cards

Compare Air Miles Credit Cards

	Credit Card	Representative APR Variable Annual Percentage Rate: the interest that you will pay per year on purchases. This rate includes annual fees but does not factor in other charges such as default fees. Rates shown are 'typical' interest rates and may vary depending on your credit rating.	Balance Transfers A balance transfer is when you transfer the debt owed on one credit card (the balance) to another.			Purchases
			Rate This indicates the introductory interest rate on balance transfers that a credit card offers.	Duration The duration of time that the introductory interest rate on balance transfers will apply.	Fee Balance transfer fees are usually applied to any balances transferred from one card to another. They are calculated as a percentage (typically between 2-4%) of the amount being transferred.	Rate This indicates the introductory interest rate on new purchases that a credit card offers.	Duration The duration of time that the introductory interest rate on new purchase will apply.
	American Express British Airways Premier Plus Credit Card Avios rewards scheme - 18,000 bonus Avios welcome offer	56.4%		n/a			n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £30,000 Employment Status Employed
	Representative Example: 56.4% APR variable. Based on £1,200 credit limit & annual purchase rate 19.9% p.a. variable. £150 annual fee.
	American Express British Airways Credit Card Avios rewards scheme - 3,000 bonus Avios welcome offer	15.9%	n/a	n/a	n/a	n/a	n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £30,000 Employment Status Employed
	Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 15.9% p.a. (variable)
	American Express Starwood Preferred Guest Credit Card Earn points towards hotel stays and flights with the Starwood Preferred Guest reward programme.	36.2%	19.9%	n/a		19.9%	n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Credit Rating Good Minimum Income £30,000 household income
	Representative Example: Representative 36.2% APR variable. Based on £75 annual fee, assumed borrowing of £1200, rate of interest for purchases 19.9% per annum (variable).
	American Express Preferred Rewards Gold Card Earn Membership Rewards points that can be transferred to 11 frequent flyer programmes.	N/A	n/a	n/a	n/a	n/a	n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Age 18 Minimum Income £20,000
	Representative Example: £125 annual fee
	Virgin Atlantic Virgin Atlantic White Card Flying Club Miles reward scheme + other travel benefits	17.9%	0%	6 months	2.00%		n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 17.9% p.a. (variable) on card purchases. Equivalent to 17.9% APR representative (variable) based on a credit limit of £1,200.
	Virgin Atlantic Virgin Atlantic Black Card Flying Club Miles reward scheme + other travel benefits	52.1%	0%	6 months	2.00%		n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good
	Representative Example: 18.9% p.a. (variable) on card purchases. Equivalent to 52.1% APR representative (variable) based on a credit limit of £1,200. Annual fee of £140 is payable.

When you travel abroad on your holidays or for work, money can cause you a headache.

You could change all of the money you'll need for your trip over to foreign currency before you go - but you'll forever live in fear of it being lost or stolen.

Alternatively, you can just take the debit card for your bank account, although this way you'll face transaction fees every time you use a cash machine or pay for something in the shops. What's more, the exchange rate you receive will usually be far from favourable. The smarter option is to use a separate travel card, available from the high street banks and building societies as well as from travel agents, the Post Office and currency exchange bureaus.

Coming in the form of a Visa or MasterCard, this works just like your normal debit card. You top the card up before you go with however much you want, then spend with your card in shops and restaurants or take money from cash machine. You can go online to recharge it from your regular bank account if you need to and if you don't spend all the money either leave it on there for next time you go away or change it back to sterling.

The best part is most cards make no charge for cash withdrawals or card payments abroad. Small charges may apply for setting the account up or the initial currency exchange though.

Click here to read more about travel cards with Know Your Money's guide

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