Compare Our Top-Rated Airline Credit Cards

Updated: 29th July 2021

Do you like the idea of getting rewarded for simply spending on your credit card? Are you a frequent flyer? If so, an air miles credit card may be just the ticket. With this type of card, you can build up air miles or points that can then be used to pay for your next flight abroad.

On this page, you will find our shortlist of the top air miles credit card deals currently available. You will also find more information about our ratings, how to compare airline credit cards and tips on how to get the most out of your card.

While the idea of earning miles or points on your spending sounds simple, there are many factors to consider when picking an airline credit card. What airline do you want to use? What is the annual fee? How many miles or points can you earn for every £1 you spend? When comparing air miles credit cards, it’s a good idea to note which airline the card is affiliated with, what the reward yield will be, and what the fees and interest charges are. Of course, additional perks like cashback or welcome bonuses can help to sweeten the deal.

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Here are MyWalletHero’s current picks for the top airline credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Collecting Avios and On Business Points
5 stars question mark
British Airways American Express Accelerating Business credit card
Apply Now!

On American Express's Secure Website

* Affiliate partner

This card offers reward points – and lots of them! With it, you gain access to the On Business Points reward scheme and the Avios rewards scheme. The card allows you to earn points at an accelerated rate: 1.5 On Business Points for every eligible £1 spent and 1.5 Avios for every eligible £1 spent. On top of that, American Express is offering a welcome award of 2,200 On Business Points if you are approved and spend £3,000 in the first three months of card membership. Do note that these benefits don’t come for free. The card carries an annual fee of £210.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 2,200 On Business Points when you spend £3,000 in the first 3 months (subject to approval)
  • 1.5 On Business Points for every £1 of eligible spend
  • 1.5 Avios for every £1 of eligible spend
  • No cap on points earned
  • Travel accident and travel inconvenience insurance (subject to enrolment)
  • Refund and purchase protection

REPRESENTATIVE EXAMPLE

Representative APR 80.3% APR variable
Annual fee £210
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 2,200 On Business Points when you spend £3,000 in the first 3 months (subject to approval)
  • 1.5 On Business Points for every £1 of eligible spend
  • 1.5 Avios for every £1 of eligible spend
  • No cap on points earned
  • ANNUAL FEE:

    £210
  • REPRESENTATIVE APR:

    80.3%
  • INTRO OFFER:

    2,200 On Business Points if you spend £3,000 in the first 3 months (subject to approval)

KEY SCORES:

  • 5/5 Perks
  • 1/5Fees
  • 2.5/5APR

HIGHLIGHTS

  • 2,200 On Business Points when you spend £3,000 in the first 3 months (subject to approval)
  • 1.5 On Business Points for every £1 of eligible spend
  • 1.5 Avios for every £1 of eligible spend
  • No cap on points earned
  • Travel accident and travel inconvenience insurance (subject to enrolment)
  • Refund and purchase protection

REPRESENTATIVE EXAMPLE

Representative APR 80.3% APR variable
Annual fee £210
Credit Limit Assumed credit limit of £1,200
Purchase Rate 22.2% variable for purchases

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Collecting Avios on everyday spend
4 stars question mark
Amex BA card
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

This card is all about the Avios. If you are a new cardmember, then you can earn 5,000 Avios if you spend £1,000 in the first three months. Everyday spending will see you earn 1 Avios for every £1 spent, and there is also a friend referral scheme which offers 4,000 bonus Avios for each friend who is approved (up to 90,000 a year). All of these can then be redeemed as full or part payment against flights, or for flight upgrades. You can also get a Companion Voucher when you spend £20,000 on the card each year. And did I mention there is no annual fee?

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1 Avios per £1 spent
  • 5,000 Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Avios per £1 spent
  • 5,000 bonus Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5,000 Avios points if you spend £1,000 in the first three months (subject to eligibility)

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 2/5APR

HIGHLIGHTS

  • 1 Avios per £1 spent
  • 5,000 Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Collecting Avios on everyday spend
4 stars question mark
Amex BA card
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

This card is all about the Avios. If you are a new cardmember, then you can earn 5,000 Avios if you spend £1,000 in the first three months. Everyday spending will see you earn 1 Avios for every £1 spent, and there is also a friend referral scheme which offers 4,000 bonus Avios for each friend who is approved (up to 90,000 a year). All of these can then be redeemed as full or part payment against flights, or for flight upgrades. You can also get a Companion Voucher when you spend £20,000 on the card each year. And did I mention there is no annual fee?

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1 Avios per £1 spent
  • 5,000 Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1 Avios per £1 spent
  • 5,000 bonus Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.2%
  • INTRO OFFER:

    5,000 Avios points if you spend £1,000 in the first three months (subject to eligibility)

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 2/5APR

HIGHLIGHTS

  • 1 Avios per £1 spent
  • 5,000 Avios when you spend £1,000 in first three months (subject to eligibility)
  • No annual fee
  • Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment)
  • Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment)
  • Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access emergency assistance

REPRESENTATIVE EXAMPLE

Representative 22.2% APR variable
Purchase rate 22.2% variable for purchases
Credit limit Assumed credit limit of £1,200
Annual fee No annual fee

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Travellers looking for high rewards rates
3 stars question mark
British Airways
Apply Now!

On American Express's Secure Website

    Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

This card incorporates the popular Avios reward scheme, which enables cardmembers to earn points that they can use towards flights, flight upgrades or hotel rooms. With a welcome bonus of 25,000 points when you spend £3,000 in the first three months (subject to eligibility), you are looking at an attractive offer. You just need to get comfortable with the £195 annual fee attached to the card.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1.5 Avios per £1 spent
  • 3 Avios per £1 spent with British Airways or BA Holidays
  • 25,000 bonus Avios when you spend £3,000 in first three months (subject to eligibility)
  • Get a companion voucher when you spend £10,000 each year (available each membership year)
  • Travel accident and travel inconvenience insurance (subject to enrolment)
  • Refund and purchase protection (subject to enrolment)

REPRESENTATIVE EXAMPLE

Representative rate 74.7% APR (variable)
Purchase rate 22.2% p.a. (variable)
Based on borrowing £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 1.5 Avios per £1 spent
  • 25,000 bonus Avios when you spend £3,000 in first three months (subject to eligibility)
  • Get a companion voucher when you spend £10,000 each year
  • ANNUAL FEE:

    £195
  • REPRESENTATIVE APR:

    74.7%
  • INTRO OFFER:

    25,000 bonus Avios points with spend of £3,000 in your first three months (subject to eligibility).

KEY SCORES:

  • 5/5 Perks
  • 1/5Fees
  • 1/5APR

HIGHLIGHTS

  • 1.5 Avios per £1 spent
  • 3 Avios per £1 spent with British Airways or BA Holidays
  • 25,000 bonus Avios when you spend £3,000 in first three months (subject to eligibility)
  • Get a companion voucher when you spend £10,000 each year (available each membership year)
  • Travel accident and travel inconvenience insurance (subject to enrolment)
  • Refund and purchase protection (subject to enrolment)

REPRESENTATIVE EXAMPLE

Representative rate 74.7% APR (variable)
Purchase rate 22.2% p.a. (variable)
Based on borrowing £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: Collecting rewards
4 stars question mark

The Virgin Atlantic Reward Credit Card provides the opportunity to earn and spend rewards through Virgin Atlantic as well as a variety of the company’s partners. Cardholders get 0.75 Virgin Points for every £1 spent on the card. The card’s balance transfer and money transfer offer help to differentiate it from rivals (though note the 3% transfer fee).

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0.75 Flying Virgin Points for every £1 spent on the card
  • 1.5 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays
  • No annual fee
  • After £20,000 in annual spend, option to choose an upgrade to Premium or get a Companion ticket

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0.75 Virgin Points for every £1 spent on the card
  • 0% interest for 6 months on balance and money transfers (3% fee applies)
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    22.9%
  • INTRO OFFER:

    5,000 Flying Club miles with one purchase within 90 days
    6 months 0% interest on balance and money transfers

KEY SCORES:

  • 5/5 Perks
  • 4/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0.75 Flying Virgin Points for every £1 spent on the card
  • 1.5 Virgin Points for every £1 spent with Virgin Atlantic or Virgin Holidays
  • No annual fee
  • After £20,000 in annual spend, option to choose an upgrade to Premium or get a Companion ticket

REPRESENTATIVE EXAMPLE

Representative rate 22.9% APR (variable)
Purchase rate 22.9% p.a. (variable)
Based on borrowing £1,200

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