Or, consider other cards for 50,000 more miles or points that transfer into United miles with additional flexibility for your everyday spending.
$1,000 toward travel or transfer to United, Southwest, and more.
No annual fee, Hilton Honors™ Card from American Express. Terms apply.
The British Airways credit card from Chase with a $95 annual fee is about to lose value in April with regular purchases earning only 1 point per dollar, a downgrade from 1.25 points per dollar, so you might be looking for an alternative to pad your Avios account.
One choice is the Amex Everyday Card, which earns Membership Rewards points you can transfer to Avios as well as several other programs like Delta SkyMiles, Virgin Flying Club, Singapore KrisFlyer, and more. It earns a 20% bonus every month you use the card 20 times or more, so it’s effectively a 1.2x points per dollar card, and there’s a bonus on grocery spending – 2x (2.4x with the monthly bonus) – up to $5,000 in spending each year.
But if you don’t want an Amex, a no annual fee option to earn Avios is called the HSBC Premier Rewards World MasterCard.
So what’s the catch?
You need to open an HSBC Premier account to be eligible for the card.
And to do that you need $100,000 on deposit with HSBC, but if you don’t keep over $100,000 in deposits you’re subject to a $50 a month account fee.
So for most people this isn’t a viable option.
But if you do have extra money you’re comfortable moving to HSBC, it may be worth considering.
While like all big banks, deposit rates are low, HSBC is one of the few banks that has seamless banking if you hold funds in accounts in multiple countries, so it’s worth it if you’re splitting time living between countries.
Currently you can earn 25,000 points after spending $2,500 on the card within 3 months.
But from time to time HSBC offers deals that let you earn as many as 75,000 points by combining the credit card intro with a new checking account bonus, so keep an eye open for those.
And HSBC often offers spending bonuses for existing cardholders, like 3x points on $2,000 in purchases during a 90 day period which can make it lucrative.
Not just Avios
The HSBC Rewards program also lets you transfer points to Asia Miles and Singapore KrisFlyer, and it offers a decent ‘any airline’ flight redemption option.
But it’s easy to get more value than that by using Avios for short haul rewards like 9,000 points roundtrip for a Boston to Washington D.C. trip, which often costs $350 or more, netting you 4 cents per point in value. Avios can be used for any American Airlines flight that has ‘MileSAAver’ award availability.
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Foreign Transaction Fee Waived
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