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.
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: ★★★★★
Doing its job: 3.5/5
In a nutshell:
Up to 2,500 points
Earn 1 point
per £2 spent
|Rep. APR||19.9% p.a. (variable)|
|Incentive||Earn 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 Info||No 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.|
|Purchases||0% for 3 months reverting to 19.94%|
|Purchases interest-free period (days)||56|
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.
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
- 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.
- Foreign transaction fees.
- Balance transfer fee.
- Minimum 2,500 points required to redeem
Compare popular rewards credit cards
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.