With The Chase British Airways Credit Card Being Devalued, What’s The Best Credit Card To Use For Everyday Spending To Earn British Airways Avios?

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Related post (Read this first!): Everything You’ve Ever Wanted To Know About British Airways Avios: Tips, Tricks, And Advice You Need To Know To Maximize Your Avios
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British Airways Avios are one of the most useful mileage currencies for short-haul travel.  With domestic free flights on American or USAirways for just 4,500 points plus $5.60 that don’t have any close-in booking fees and that can be cancelled for just $5.60, the program is an easy way to rapidly accumulate free travel.  I’ve used 9,000 Avios for last minute round-trips that would have otherwise cost more than $1,000, so the value of their points can be stratospheric.

Effective 04/30 the Chase British Airways card will go down from earning 1.25 Avios per dollar spent to 1 per dollar spent.  As a consolation prize, purchases on British Airways will now earn 3 Avios per dollar, but there are other cards that earn 3 points per dollar on airfare.

There are still cards that you can use to earn more than 1 Avios per dollar spent on everyday purchases.

You can transfer points from Starwood, Membership Rewards, or Ultimate Rewards to British Airways Avios.

-The Starwood Consumer AMEX and the Starwood Business AMEX earn 1 Starpoint per dollar, but when you transfer 20K points into airline miles you get a 25% bonus, effectively making the earn rate 1.25 miles per dollar spent.  There are dozens of airlines to choose from, including British Airways.

The Amex EveryDay Preferred Card earns 1.5 Membership Rewards points per dollar everywhere, 3 points per dollar on gas and Uber, and 4.5 points per dollar on groceries when you make at least 30 transactions per month.

The Amex EveryDay Card has no annual fee and earns 1.2 Membership Rewards points per dollar everywhere and 2.4 points per dollar on groceries and Uber when you make at least 20 transactions per month.

It’s easy to track the number of your transactions and it’s easy to hit 30 with painless Amazon reloads or even parking meters.

-The AMEX Premier Rewards Gold Charge Card and the AMEX Business Gold Rewards Charge Card offer 3 Membership Rewards points per dollar on airfare from all airlines, not just British Airways. The Premier Rewards card also gives double points on gas and groceries and will give double points on dining effective 06/01.  It will also give a $100 airline fee credit and have no foreign transaction fee effective 06/01.

Several reports confirm that the Premier Rewards Gold card is also still giving 15K points for spending $30K in 2015.  That means you can earn up to 1.5 points per dollar everywhere, 3 points per dollar on gas, groceries, and dining, and 4.5 points per dollar on airfare if you can reach the $30K hurdle in 2015.

Membership Rewards points from all of those cards can transfer to 16 airlines, including British Airways.  However AMEX also runs occasional transfer promotions to British Airways that range between 20-50%.  A 40% promotion ran earlier this year.  People who earned 1.2 or 1.5 points per dollar on everyday purchases with the everyday cards who transferred points into Avios during the 40% bonus transfer period effectively earned 1.7 or 2.1 Avios per dollar everywhere.

Of course once you start looking into categories besides everyday spend there are more opportunities.  Chase cards like Ink Plus and Ink Cash earn 5 Ultimate Rewards points per dollar at office supply stores and on wireless, landline, and cable bills.  Freedom earns 5 or 5.5 points per dollar in rotating categories. And Chase Sapphire Preferred® Card earns 2 points per dollar on all dining and travel spending.

In summary, there are lots of great cards to use to rack up those Avios.  The Chase British Airways card offers a sweet 50K signup bonus with the annual fee waived for the first year for a limited time, but with the upcoming card downgrade they’ve taken away the incentive to use the card on everyday spend.

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34 Comments On "With The Chase British Airways Credit Card Being Devalued, What’s The Best Credit Card To Use For Everyday Spending To Earn British Airways Avios?"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.

Yaakov

Of my lineup my best option here in Eretz Yisrael will be Chase SP. Transferable points and no foreign transaction fee.

Dan

@Yaakov:
I’d argue that effective June 1st the AMEX Premier Gold is better than Sapphire Preferred if you want to transfer to BA Avios.

-The $100 airline fee credit makes the annual fee comparable.
-No forex fee on either.
-3x on airfare vs 2x on Sapphire
-Same 2x for dining.
-2x on groceries vs 1x on Sapphire
-15K bonus for $30K spend on Premier Gold
-Better dispute resolution, warranty protection, chargeback protection with AMEX.
-And the main reason, AMEX runs Avios transfer bonuses while Chase does not.

Advantages for Sapphire Preferred include worldwide CDW coverage and 2x points on hotels and car rentals.

Danstheman man

Dan what do you think about the companion pass for 30k spend on BA? You can load redbird.
Does amex prg count when loading redbird?

reuvenhunt

I earn 1.3 MR points per dollar with AMEX blue for business.
(1 point per dollar + 30% bonus each anniversary.)
If AMEX runs a 50% promo, that’ll be like earning 1.95 avios per dollar!

anonymous

Amex premier gold gets 2x for dining? That’s not listed on their site

Jp

I have never had a BA cc, i am looking for points. Will this be a good cc to get because of the 50k bonus?

If i want to switch cards to a no fee card in eight months or so will i be able to with keeping the points?

Do the points expire?

Dan

@Danstheman man:
The companion pass is only good on BA flights which have heavy fuel surcharges. And both passengers must pay the fuel surcharges.
Not worth much for most people.

All cards earn points when loading REDcard.

@reuvenhunt:
Good card, especially with no annual fee.

I didn’t include it as it can’t directly transfer points to BA, though if you have another eligible AMEX card you can transfer those points over as well.

Still, not as good as Everyday Preferred, though that has an annual fee and requires more work.

@anonymous:
Because it’s effective 06/01.

@Jp:
As I wrote, it’s a sweet bonus.

You don’t lose Avios by closing a card, they stay forever as long as you earn or burn 1 Avios every 3 years.

Jp

i have a starwood card can i transfer the points to BA?

Thingywingy

Dan, Can you confirm reports that people have been successful at getting Chase to match the current BA offer to the “+ another 50k for spending 20k within the year”?

Jp

Thank you for your response Dan!

Yaakov

@Dan: I didn’t know that there is any Amex card with no forex fee. Thanks for the tip. I’ll look into that more.

Israeli

@Dan: doesn’t the PRG earn 2x points on dining and groceries only in the US? That’s what it says on AMEX’s website. Therefore in eretz Yisrael the CSP beats the PRG for dining and non-airfare travel expenses, and groceries are the same 1 point per dollar. But I agree AMEX is better for warranties and dispute resolution etc.

Dan

@Jp:
Of course, read the post.

@Thingywingy:
Haven’t heard of that happening recently, link?

@Yaakov:
Platinum has no Forex now, Premier Gold has no forex effective 06/01.

@Israeli:
True, guess you’ll just need to have both 😀

Ez

Worth noting that the fyf offer has been extended again

David

Dan I’m sure you are notified about the change on the amax business gold ?
That you can choose witch category you wana earn 3 points per dollar

Jp

Dan it does not say anywhere about the American Express Starwood card

Mark

Is the $100 credit per card or account?

JM

Still anxiously awaiting the BA Avios flight list for San Diego. In case you have nothing to do during chol hamoed… 😉

Anonymous

@Dan: @Dan:
One point to consider if based in Eretz Yisroel, is usage of Avios. How can one use Avios for flights out of TLV without BA’s outrageous surcharges?

Dan

@Ez:
Indeed.

@David:
Indeed.

@Jp:
Yes it does.

@Mark:
Per account.

@Anonymous:
http://www.dansdeals.com/archives/59617

Your grammar teacher

I would think Avios is in the plural.

Is it Avio, or something else?
😉

Dan

@Your grammar teacher:
I’d agree, but I’m using the BA nomenclature,
“Reward Flight Saver includes airline taxes fees and surcharges, all you pay is the Avios fare plus £35 per person. It’s available to Regular Collectors – that’s members who have collected at least 1 Avios in the preceding 12 months”

Anonymous

@Dan thanks for this and all the other posts!
Does the BGR also get the 15k bonus or only the the PRG

Jay

Re the 15k extra MR points–is that on personal and business or just business that people are getting it?

Anonymous

@JM:
+1

yoss

What else is changing beside the 1.25 – 1

Chocolate

So is it completely not worth having theCBA card with the point devaluation then? I have an SPG card and a freedom but I mostly use my BA card for most expenses because I need the avios (are lingus to the UK is the best flight for me to go see my parents). Should I look into another card ?

Andrew

I just applied PRG this year and 15k bonus was even not on T&C. Will I also get 15K if I spend more than 30K? Thanks.

kachnik

@Danstheman man:
I had 2 companion passes consecutive years and didn’t use either one because there was literally no availability the entire year
not to mention the free ticket required you to pay “taxes and fees” equal to that of a regular ticket

amex user

could you transfer amex everyday (not preferred) points to airlines? It doesn’t seem that way – only if have it linked to another membership rewards card.

abraham

“Effective 04/30 the Chase British Airways card will go down from earning 1.25 Avios per dollar spent to 1 per dollar spent”
I recently made a purchase on ba.com on 5/6 and i still only received 2.5 points per dollar.

Yaakov

@abraham: I just checked and I see I’m also still getting 1.25/$.

Eli

@Yaakov: same here.
my cc month ends on the 19th. maybe if your month started before 04/30 you get 1.25/2.5 for the full bill. see on the next bill.

Eli

how do you avoid paying annual fee for the BA card?

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