18 tricks and hacks to meet your credit card’s minimum spending requirement

Get your sign-up bonus faster with these tips.

There’s nothing like staring at a credit card’s massive sign-up bonus and knowing it could be yours soon. The catch? You must spend a certain amount of money to claim it.

Some cards are tough to crack, like the Virgin Atlantic Reward Credit Card (you have to spend £20,000 to land a premium upgrade). Others offer an easier path, like the American Express Rewards Low Rate Credit Card (you only have to spend £500).

Whatever the spending requirement, you’ll need to reach it within a specified amount of time. Otherwise, your sign-up bonus is gone forever.

You don’t want to spend money unnecessarily just to hit the minimum spending requirements. That might erase the value of your rewards altogether. Instead, deploy your card intelligently and spend mostly on the must-haves. That way, you’ll breeze by your spending requirement without shelling out extra dough.

Ready to hit that big payday? Here are 18 super-effective hacks to hit your minimum spending requirement and maximise your bonuses.

Pay for the essentials

You’ll find that you can use your card to buy things you’d spend money on regardless. As much as you can, make those purchases with your new card.

1. Use your card all the time.

Now that you have a new card, start using it for everything. Whatever you’re buying — your morning coffee, cinema tickets or your next book for night-time reading – charge it to your credit card. Of course, use your card for everyday purchases like petrol and groceries.

You may even get bonus points or miles for certain types of spending. For example, the American Express Platinum Cashback Credit Card gives you 5% cashback in your first three months. That’s a sweet bonus as you’re working toward your minimum spending requirement.

American Express Platinum Cashback Everyday Credit Card Oct 2018 screengrab

2. Buy gift cards for your regular shopping.

Feel like you’re constantly making trips to a certain shop? Consider using your credit card to buy gift cards for that location. You’ll get closer to your minimum spending requirement, and you can use the gift cards for purchases you’d make anyway.

For example, if you spend £60 a week at Sainsbury’s, you’ll spend over £720 within three months. You can use your credit card to buy £720 loaded onto a Sainsbury’s gift card, then use the gift card for your shopping.

If you’re worried about carrying a gift card with a large amount of money on it, buy multiple gift cards with smaller pound amounts. You may even be able to send your gift card to your email address or mobile phone.

Sainsburys gift cards screengrab October 2018

Use this strategy at other locations you frequent, such as coffee shops, pharmacies and petrol stations.

3. Pay your bills.

Many utility, car insurance and home insurance companies allow credit card payments. And you can usually use a card for your TV, broadband and phone bills and your TV licence. If you’ve been paying through your bank account, see if you can use your credit card instead.

4. Use bill-pay services.

You typically can’t pay your mortgage, car loan, tax bill or rent with a credit card. But other services can pay some bills on your behalf, accepting payment via credit card.

One such payment service is Billhop, a Swedish company which expanded to the UK in 2017. It allows individuals and businesses to pay their bills through a credit card. Although loan and mortgage payments or credit card bills aren’t allowed through this system, you can pay your tax, utility or repair bills with your credit card, while earning rewards. Although a service charge of 2.95% applies, this method could help you rack up spending quickly.

Billhop screengrab October 2018

You don’t have to reach your spending requirement solo. In fact, you might be surprised how easy the process can be if you enlist your friends and family.

5. Add an additional cardholder.

If you regularly give money to your partner or children, consider adding them as authorised users to your credit card account. Their spending may count toward your minimum spending requirement. As an added sweetener, you might earn points, miles or cash back from their spending.

Alternatively, you could add your friends as authorised users to help hit your spending requirement. Your pals can spend on your card account and pay you back later. As mentioned above, remember you’re responsible for any debt they may rack up.

Ask your card provider for details on adding authorised users. You may have to pay fees when adding new cards, so consider whether the cost is worth the rewards you’ll get. Finally, remember that you’re ultimately responsible for the debt accumulated by your additional cardholders.

6. Pay for dinner.

The next time that dinner bill arrives, pay for the meal and ask your friends to pay you back. They can send you money using any one of the excellent payment apps out there, like Apple Pay, Google Pay, Pingit, Snapcash and Venmo.

Pingit screengrab October 2018

This is an especially good tactic if your card gives you bonus points on dining. For example, the Costco TrueEarnings American Express Credit Card offers 3% cashback on all restaurant dining.

7. Buy things for your friends.

Ask your friends if they’re looking to make large purchases. Then buy the items and have your friends pay you back.

You can also try paying for your friends’ weekly expenses, such as their grocery bills. This might come with more hassle, though, as the purchases will be smaller, and you’ll probably need to be there in person.

Spend for the future

Certain expenses will come around sooner or later. Instead of waiting to spend money until you have to, spend while you’re trying to collect your sign-up bonus.

8. Book your next holiday.

If you plan on taking a holiday or mini break this (or next) year, consider charging it to your credit card. You can score some great deals if you book early, and you can usually cancel plans if you change your mind.

Some cards will give you bonus points or miles for travel spending. For example, you can receive 3 Avios points for every £1 spent on British Airways with the British Airways American Express Premium Plus credit card.

9. Buy gifts in advance.

Birthdays and religious holidays come around like clockwork. That’s a good thing, because it means you can get a head start on your present shopping. Plus you can avoid the Christmas retail rush.

10. Maintain your car.

If you’ve put off maintenance on your car, it could be a good time to get an inspection. You can also perform necessary repairs that you’d have to do later anyway.

11. Update your home.

Have you been waiting for the “right time” to renovate your home? Consider getting the job done by charging a few purchases to your card – now’s a great time to change the carpets or replace old appliances.

Manufactured spending is a secret strategy in the travel-hacking community. In general, it involves buying things that you can easily liquidate to pay off your credit card.

Manufactured-spending strategies change all the time — especially when businesses and card providers make rules to circumvent them. Before using a method you see here, do some research to see if it’s still valid.

12. Buy and resell items.

Consider using your credit card to buy merchandise – preferably at a discount – and then resell it.

Here’s a pro tip: Buy items through shopping portals like Nectar eshops, Quidco or epoints.com. This way, you can earn points on top of scooping up inventory.

Nectar eshops screengrab October 2018

13. Gift card churning.

Gift card churning involves buying gift cards and then reselling them at face value – or even a loss. You can buy and sell gift cards on platforms like CardYard, Zeek Marketplace, Zapper and eBay.

14. Payment-app cycling.

If you need a little boost ahead of your minimum-spend deadline, try payment-app cycling. Just use your credit card to send money through a peer-to-peer payment app – then have your recipient send the money back to you.

Credit card transfers often come with fees. That said, it’s best to use this strategy sparingly.

Other hacks outside the box

While at the end of our list, these more unusual or quirky hacks are just as good as anything else you can try.

15. Peer-to-peer lending.

To reach your minimum spending requirement, you don’t have to spend money — you can lend it.

That’s where peer-to-peer (P2P) lendingFunding Circle, Ratesetter and Zopa.

If you’re OK with not earning a return on your money, consider micro-lending platforms like Kiva, which allows you to help people around the world create opportunities for themselves. For example, you could help a Vietnamese family build a latrine or Senegalese women set up a chicken farm. Its website says it has a repayment rate of around 97% so this kind of investment is more about making yourself feel good about helping someone, than making a big profit.

Kiva screengrab leading October 2018

16. Donate to charity.

Making charitable donations is a great way to get closer to your minimum spend. If you already donate every year, you now have a reason to do it earlier. And if you’re not a regular giver, you can become one now. As an added benefit, most charitable gifts are tax-free.

17. Buy general-use gift cards.

One4all or Love2Shop are great choices because you can use them anywhere. Just remember that they usually have expiry dates.

18. Pay for business expenses.

You might use a company credit card for work-related expenses. If so, ask your employer if you can use your own credit card for those purchases and get reimbursed later. Just be aware, being reimbursed through your wages could have implications for your annual tax allowance.

Comparison of rewards credit cards

Table: sorted by representative APR, promoted deals first
1 - 20 of 51
Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
£0
Min. limit £500, max. limit not specified.
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 3 months reverting to 21.9%
£0
Min. limit £500, max. limit not specified.
21.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
£3 per month
Min. limit £500, max. limit not specified.
24.7% APR (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
Check eligibility
American Express Platinum Cashback Everyday Card
25.3%
£0
Min. limit £700, max. limit not specified.
25.3% APR (variable)
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership and an extra £20 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).
Go to site
American Express Rewards Credit Card
25.3%
£0
Min. limit £500, max. limit not specified.
25.3% APR (variable)
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).
Check eligibility
British Airways American Express® Credit Card
25.3%
£0
Min. limit £700, max. limit not specified.
25.3% APR (variable)
Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).
Go to site
Royal Bank of Scotland Reward Credit Card (existing customers only)
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
26.8% APR (variable)
1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).
Check eligibility
NatWest Reward Credit Card (existing customers only)
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
Min. limit £250, max. limit not specified.
26.8% APR (variable)
1% Rewards earned on supermarket spend and 0.25% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.25% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).
Check eligibility
American Express Platinum Cashback Card
25.3%
£25 per annum
Min. limit £700, max. limit not specified.
30.7% APR (variable)
New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership and an extra £35 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £25 per annum, your representative rate is 30.7% APR (variable).
Check eligibility
The American Express Nectar Credit Card
25.3%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
30.7% APR (variable)
Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 30.7% APR (variable).
Check eligibility
NatWest Reward Black Credit Card (existing customers only)
21.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
Min. limit £5,000, max. limit not specified.
40.7% APR (variable)
1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
Check eligibility
Royal Bank of Scotland Reward Black Credit Card (existing customers only)
21.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
Min. limit £5,000, max. limit not specified.
40.7% APR (variable)
1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1-15% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
Check eligibility
The Marriott Bonvoy American Express Card
25.3%
£75 per annum
Min. limit £700, max. limit not specified.
42.6% APR (variable)
New Cardmember offer: Earn 20,000 points when you spend £3,000 within 3 months of Cardmembership. Earn 2 points per £1 spent and 6 points per £1 of eligible spend at Marriott properties.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £75 per annum, your representative rate is 42.6% APR (variable).
Check eligibility
American Express Preferred Rewards Gold Credit Card
25.3%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
61% APR (variable)
New Cardmember offer: Earn 20,000 plus an extra 10,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Offer ends 6 July 2022. Terms Apply. Spend £15,000 or more during the year and earn an additional 10,000 bonus points each year the card is renewed. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61% APR (variable).
Check eligibility
British Airways American Express® Premium Plus Card
25.3%
£250 per annum
Min. limit £700, max. limit not specified.
102.5% APR (variable)
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply

Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £250 per annum, your representative rate is 102.5% APR (variable).
Check eligibility
The Platinum Card
Finder Award
The Platinum Card
N/A (this product is a charge card).
£575 per annum
Min. limit not specified, max. limit not specified.
N/A (this product is a charge card).
Limited time offer: earn 60,000 Membership Rewards® points when you spend £6,000 in your first 6 months of Cardmembership. Offer ends 1 June 2022. Terms apply. Plus, get up to £100 in statement credits every year at Harvey Nichols (Offer valid for current and new Platinum Cardmembers). Terms Apply.

Check eligibility
Tesco Bank Low APR Card
9.942%
£0
Min. limit £250, max. limit not specified.
9.9% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).
The Co-operative Bank Members' Credit Card Visa
18.2%
£0
Min. limit £500, max. limit not specified.
18.2% APR (variable)
1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.
Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).
AIB Options 1 Credit Card
18.9%
£0
Min. limit £500, max. limit not specified.
18.9% APR (variable)
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
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1 - 10 of 10
Name Product Annual/monthly fees Purchases Representative APR Link Cashback details Representative example
Santander All in One Credit Card
£3 per month
0% for 23 months reverting to 18.9%
24.7%
Check eligibility
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
American Express Platinum Cashback Everyday Card
£0
25.3%
25.3%
Go to site
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership and an extra £20 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).
American Express Platinum Cashback Card
£25 per annum
25.3%
30.7%
Check eligibility
New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership and an extra £35 bonus cashback. Offer ends 6 July 2022. Terms and minimum spend apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £25 per annum, your representative rate is 30.7% APR (variable).
AIB Options 1 Credit Card
£0
18.9%
18.9%
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
smile Classic Credit Card
£0
19.9%
19.9%
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Halifax Cashback Credit Card Mastercard
£0
19.94%
19.9%
0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
Lloyds Bank Cashback Credit Card Mastercard
£0
19.94%
19.9%
0.25% on £1 to £4000 of yearly spend. 0.5% after £4001 of yearly spend. Cashback paid January into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
Barclaycard Rewards Visa
£0
22.9%
22.9%
0.25% after £1 of yearly spend. Cashback paid On request into Card Account. Cashback paid annually or on request. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Vitality American Express Credit Card
£0 (but £4.75 fee for the Vitality programme)
25.3%
36.3%
0.5% on £1 to £10,000 of yearly spend and 1% thereafter. Paid on anniversary. Must spend £3,000 annually to earn cashback. Earn up to 2% additional cashback on first £1,000 spend each month based on Vitality products held and monthly activity points earned. New cardmember offer: earn £100 statement credit when £2,000 spent in first three months.
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £0 per month (please note there is a £4.75 fee for the Vitality programme), your representative rate is 36.3% APR (variable).
Santander World Elite Mastercard
£15 per month
0% for 18 months reverting to 18.9%
49.8%
0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
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1 - 4 of 4
Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Credit Card
25.3%
£0
Min. limit £700, max. limit not specified.
25.3% APR (variable)
Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a., your representative rate is 25.3% APR (variable).
Go to site
British Airways American Express® Premium Plus Card
25.3%
£250 per annum
Min. limit £700, max. limit not specified.
102.5% APR (variable)
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply

Representative example: When you spend £1,200 at a purchase rate of 25.3% (variable) p.a. with a fee of £250 per annum, your representative rate is 102.5% APR (variable).
Check eligibility
Virgin Money Virgin Atlantic Reward Credit Card
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Virgin Money Virgin Atlantic Reward Plus Credit Card
22.9%
£160 per annum
Min. limit not specified, max. limit not specified.
63.9% APR (variable)
Earn 15,000 bonus points with your first card purchase made within 90 days of account opening. Plus, get an extra 15,000 points when you apply between 5 May and 6 June 2022 and spend £3,000 within 90 days of opening your account. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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