Tui Credit Card review 2020

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Saving up for your next holiday? You could get a head start by earning travel points with the Tui Credit Card.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 24.95% (variable) p.a., your representative rate is 24.9% APR (variable).

24.9%

Representative APR

£0

Account fee

Up to 2,500 points

Intro bonus

Earn 1 point

per £2 spent

Details

IssuerNewDay Ltd
NetworkMastercard
Rep. APR24.9% (variable)
Annual/monthly fees£0
Loyalty schemePoints
IncentiveEarn points towards your next holiday every time you spend. Earn 1 point per £1 when spending on Tui/First Choice. Earn 1 point per £2 for spend elsewhere. For every 100 points you get £1 to redeem
Incentive on opening£25 of reward points to spend on next purchase with TUI
Purchases0% for 3 months reverting to 24.95%
Purchases interest-free period (days)56
Balance transfers24.95%

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

The Tui Credit Card earns you loyalty points wherever you shop, even for everyday purchases like groceries or petrol. Once you’ve accrued at least 2,500 points, you can redeem them when you make your next purchase from the holiday company TUI (formerly Thomson) using your TUI Credit Card.

The card offers a few other perks to tempt new customers, including a welcome bonus, an enhanced rewards earn-rate on spending with Tui, fee-free travel money when you buy through Tui and a 0% interest period of 3 months – perhaps allowing you to spread the cost of your next getaway.

Downsides? You may prefer a more versatile rewards scheme, unless you’re truly attached to Tui. Additionally, if you’re likely to carry a balance from month to month, what you’ll pay in interest is likely to outweigh what you’ll earn in rewards. Finally, if you’re planning to take a credit card with you on holiday, I’d advise getting another card either to compliment this one or instead of it, in order to avoid non-sterling transaction fees.

The Tui Credit Card earns you loyalty points wherever you shop, even for everyday purchases like groceries or petrol. Once you’ve accrued at least 2,500 points, you can redeem them when you make your next purchase from the holiday company TUI (formerly Thomson) using your TUI Credit Card.

Here’s everything you need to know about the Tui Credit Card – from exclusive rewards through to eligibility, rates and fees. And if you’re still not sure if it’s the right card for you, you can compare similar cards from other providers.[/fin_hide]

Pros and cons

Pros

  • Earn TUI reward points on all purchases.
  • Introductory voucher offer for new cardholders who spend in TUI.
  • Increased reward points earn rate for TUI or First Choice bookings.
  • No fees if you change your travel money at a TUI shop.
  • 0% introductory offer on purchases.
  • No annual fee.

Cons

  • Foreign transaction fees.
  • Balance transfer fee.
  • Minimum 2,500 points required to redeem

Compare popular rewards credit cards

Table: sorted by representative APR, promoted deals first
Updated April 1st, 2020
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
American Express Rewards Credit Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.9% (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
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).
British Airways American Express Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.9% (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Get a Companion Voucher when you spend £20,000 each year. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
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).
American Express Platinum Cashback Everyday Card
£100
1% cashback
1% cashback
£0
22.9% (variable)
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
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).
The American Express Nectar Credit Card
20,000 points
2 points per £1 spent
2 points per £1 spent
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
American Express Platinum Cashback Card
£125
1.25% cashback
1.25% cashback
£25 per annum
28.2% (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
The Marriott Bonvoy American Express Card
20,000 points
6 points per £1 spent
2 points per £1 spent
£75 per annum
39.7% (variable)
Earn 20,000 points when you spend £3,000 within 3 months of account opening. Earn 6 points for every £1 spent at Marriott properties globally and 2 points for virtually every other £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).
American Express Preferred Rewards Gold Credit Card
20,000 points
2 points per £1 spent
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £140 per annum
57.6% (variable)
New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 29 June 2020. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
British Airways American Express Premium Plus
25,000 points
3 points per £1 spent
1.5 points per £1 spent
£195 per annum
76% (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
The American Express Green Card
N/A
1 point per £1 spent
1 point per £1 spent
£60 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.
The Platinum Card
30,000 points
1 point per £1 spent
1 point per £1 spent
£575 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0333 220 2670), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Tui Credit Card

It’s straightforward to apply for the Tui Credit Card online, and it typically takes around 10-15 minutes. As part of the application process, NewDay (who issues the card) will run a credit search. In most cases, whether your application is rejected or approved, you’ll get an instant decision.

Following approval, your TUI Credit Card will be sent to you within 7-10 working days. When it arrives you’ll need to call TUI on 0800 915 2205 to activate it.

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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