Credit Card Discussion
Hi guys, young professional here looking to maximise Avios gains and wanted some advice on what direction makes the most sense for me.
I’m based in the UK, earn around £30k/year, and currently have the Amex Gold card. I’ve had it for just over a year and through referrals + spending I now sit at just over 90,000 Membership Rewards points. I plan to convert all of these to Avios points.
I’m now debating whether Gold is still the best long-term setup for me, or whether I should move toward a more Avios-focused card strategy.
Current options I’m considering:
- Keep the Amex Gold and stay as is.
- Switch to the free BA Amex and purchase the Barclaycard Avios Plus.
My yearly card spend is roughly £16k-17k and I plan to only use the points on British Airways travel.
From what I can tell, the Barclaycard Avios Plus seems stronger for pure Avios earning, especially with wider Mastercard acceptance, but I’m unsure what makes most sense at my income/spend level or if there are other alternative combinations/elements to consider.
Would appreciate any advice from people in similar situations or anyone deeper into the points game.
Thanks