Tui Credit Card review November 2019

Saving up for your next holiday? Would be nice, right? Well, you could at least get a head start with the Tui Credit Card.

Finder rating: ★★★★★

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).

19.9%

Representative APR

£0

Account fee

Up to 2,500 points

Intro bonus

Earn 1 point

per £2 spent

Details

IssuerNewDay Ltd
NetworkMastercard
Rep. APR19.9% p.a. (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
Additional Rewards InfoNo credit card fees when you use your Tui Credit Card to purchase a holiday in a Tui travel shop or on tui.co.uk or firstchoice.co.uk. Fee free travel money when you use your Tui credit card in a Tui shop or at money4travel.
Purchases0% for 3 months reverting to 19.94%
Purchases interest-free period (days)56
Balance transfers19.94%

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.

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 November 21st, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
2,500 points
2 points per £1 spent
1 point per £5 spent
£0
19.9% p.a. (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or 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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
500 points
1 point per £1 spent
1 point per £5 spent
£0
19.9% p.a. (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 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.9% p.a. (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).
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. 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).
£100
1% cashback
1% cashback
£0
22.9% p.a. (variable)
5% after £1 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).
20,000 points
2 points per £1 spent
2 points per £1 spent
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% p.a. (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).
£125
1.25% cashback
1.25% cashback
£25 per annum
28.2% p.a. (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).
30,000 points
6 points per £1 spent
3 points per £1 spent
£75 per annum
39.7% p.a. (variable)
Earn 30,000 points when you spend £1K within 3 months of account opening. Earn 3 points for virtually every £1 spent. Earn 6 points for every £1 of eligible purchases at participating SPG & Marriott Rewards hotels, until 31.12.2019.
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).
10,000 points
2 points per £1 spent
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £140 per annum
57.6% p.a. (variable)
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
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).
25,000 points
3 points per £1 spent
1.5 points per £1 spent
£195 per annum
76% p.a. (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).

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.

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