Thanks so much for this video. I've just hit the £3k threshold. I used it for every day spending and bought grocery gift cards in advance. I also used the card to pay for my citizenship application which will be almost £500 less because of this. This has been a massive help!!!
When did you convert it to the free card Chris? So I've just got my 70,000 AVIOS after 2.5 months. Can I convert it to the free card now, or do I have to wait for the AVIOS to reach my BA account first? Or wait 3 months, etc? Thx👍🏻
Hi Richard. I hit the threshold early in month 2 and had to wait for the avios point to show up later in the month. I then converted the avios late in month 2 and now in month 3 waiting for the nectar points to reflect. After that I will close my card, hopefully by the end of month 3.
@@St0ffel thx 👍🏻 it looks like my points get transferred to the BA account every 2nd of the month, which means 2nd May before I’m able to convert them to nectar. Hmm. So I could be in month 4 before I’m able to convert them and close the card.
This doesn’t seem to be available anymore? I am logged into my BA account but it is only referring to the 35,000 points not the 70,000. Can anyone help?
yep, same here. i checked 2 days ago and it was at 70,000, but been halved now for the last few days. annoying because they said the promo would run till the 21st Feb...
Andy great video thanks for sharing 👏 My Gold Amex is coming to an end this month and I’m going to cancel it to avoid the £160 fee. I see Amex have changed the Avios bonus back to 25,000 and I use nectar points more often than I fly so perhaps it’s best to go for the nectar card as my 2nd Amex card? I haven’t had any other credit card so is it best to open the 2nd one before cancelling? Thank you 😊😁👏
@@QuackQuackImADuck69 Made around £1400 profit from welcome bonus, referral bonus’, rewards such as £300 credit for two London meals I had, £100 at Harvey N, these are exclusive to the platinum however. BA Amex is mainly just for the welcome bonus, I got 70K which is nearly 100K Nectar points converted, which is £500 in value. Currently have £2800 in Nectar points from CC deals and general NC use.
Andy, if you spend the amount needed for the bonus within say a month or 2 months, are u able to still cancel the card or does the 3 months have to pass before you can cancel and keep points? I have platinum card but im guessing all cards have the same rules
Hi Andy Recently got the Amex gold before this offer spent £500 of the £3000. Now not sure if I should apply for this and start my spending again to get the 70000 avios. Any recommendations how to approach it from my position? Thanks
Thanks Andy and I'm so glad I saw this now as I am actively looking for a new card (for the rewards) and would have already applied for an AMEX but for the fact I've had one in the last two years, so luckily it's allowed me to apply and be accepted for this one. I opened the BA Exec' club as well so that went on the form. I really appreciate you doing these videos and this one especially. 🙏🏻🙂👍🏻 (Chances are I'll be converting to Nectar points but maybe towards a flight....)
Thank you for your video Andy - super useful. I am looking to travel on a long-haul flight to Asia in the coming months, hence like to apply and use it to purchase flights and build up the points. However it seems many users complained online that they hit 3k spending and only credited 35k points with no helps from either AMEX or BA to fix this, apparently no 70k written confirmation during the actual application, and AMEX/BA blame each other..would be much appreciated that if anyone could confirm whether indeed they have been credited 70k points as per advertised without any issues? many thanks
I've just applied and been accepted for this account today and am equally nervous about only receiving the 35,000.. I have Twitter PMs from both BA and Amex confirming that the 70,000 offer will be honoured. A few people seem to suggest BA will credit the extra 35,000 into your Executive Club account AFTER the initial 35,000 are credited by Amex... Fingers crossed - I've applied today. Maybe Andy has some more info about this?..
Hi Andy, I’m looking to get this for my first card with Amex but wondering if I would be eligible for the gold card after the 3 months is up and I have spent £3k, so I can generate more points? Also be able to pull away from the £250 fee that this card comes with?. Thanks for the video 🙂
Hi if you refer a friend on the basic blue card you get 4,000 points for yourself and the new person that signs up gets 6,000 points if they spend 1,000 in first 3 months . After this can they transfer the 6,000 points they earned to your account. Thanks
Amazing video! Can I use the Halifax Reward card to pay the balance on my BA American Express Premium Plus Card, would that qualify under the requirement of spending £500 on my debit card?
Hey Andy, thanks for your video. I want to ask if there is a minimum spend for Amex Gold Card or Amex Birtsh Airway Card? Like I have to spend that amount every month otherwise will be charged?
Incorrect. You will not earn 1% cashback from Chase if you link your Zilch card to it as it is treated as a financial transaction. On top of that, you'll find many of your transactions will decline as Chase treat Zilch transactions as dodgy.
Hi you do some brilliant work on this channel keep it up! Can you give some tips on how to hit that 3k mark when you have direct debits set up with other debit cards for big payments like Mortgages, council tax, utility bills etc? Thanks
Thank you Andy, took advantage of the Barclays Avios offer after your video on it a few months ago, and now applied for this card! Is a 2023 LISA guide on the horizon? :)
Hi Andy, thanks for the video. Currently on the Amex Gold and have been since the start of July and was my first amex card. Do you recommend getting the BA American Express Platinum for the sign up offer and then downgrading to the free one leaving me with the gold and free BA one? Many thanks, Az
As long as you can spend £3k in three months through normal spending I think the bonus is worth going for. Remember the Gold card is £160 after the first year so def consider ditching it at that point
Hi Andy/anyone that can help, I did the eligibility checker and got a score of 1.5, however my Experian credit score is 969/999..? Does anyone know why my Amex eligibility score might be so low? Got no history of debt and have had a credit card since 2018 where I have always paid off the full amount every month. I recently moved from my parents home and haven’t signed up to electoral register at my new place, could this be the issue? Also all my current bank accounts have my home address not my new address. Is this a problem? Has anyone had a similar experience?
Thanks Andy for all of the incredible work you continue to do. Can you confirm if £ rewards from banks are taxable and count towards people's taxable allowance? Example halifax £5 rewards
I applied for the premium plus card on the 1st of February to get the 35k avios points. However my application was approved on the 28th of February. Do you think I will still get the points if I meet the spending criteria
Hi Andy, I've been testing this but have been unable to stack cashback using Zilch - so combining Zilch and Chase cashback doesn't work. I think this is because all purchases go through as 'Zilch' and financial services are exempt from cashback.
I've had the same experience (not being able to stack Zilch and Chase, not even through Curve). However, you can stack Algbra (which gives 1% cashback) with Zilch. I'm doing it through Curve - I don't know if it works direct.
Thank you, that was really interesting, great deal! Andy, do you know if there is a way to get a referral bonus to this card too? Can someone from who has the BA Amex card refer you to this one (through the Executive Club) so that they get a bonus too?
I last had my card on 26 Jan 2021 and the promotion ends mid Feb so looks like perfect timing. I just need to wait 2 weeks before I can apply. I just hope I am eligible as I'm already stoozing with 2 balance transfer cards and a bit of debt (good debt).
Hi Andy, signed up to the BA Amex card after watching your video! Do you have any more info how you receive those points as the sign up experience is rubbish with Amex no written confirmation of the 70,000 point on the sign up confirmation email or on Amex app after registering card? Thanks.
@@stefanosileo8966 I’ve just logged in on safari on iPhone and under avios to be transferred there’s a section that says you have 2 card bonuses track your progress
Yes it would count. Though be careful as there’s the risk you lose the card or they expire. I’d only do this as a last resort if you’re close to the target and are confident you’ll spend the gift cards shortly after buying then
question about BA Amex: if I was to make a single £4000 purchase in the first month of card membership, would the points be added sooner than after 3 months, allowing me to cancel the card after the first month (or however many days it takes to get the points)?
Hi Andy, I’ve been looking at the virgin Atlantic card to use whilst purchasing things for my up coming wedding, we would then use the points to book a honeymoon using some of points we build. However, I can’t tell if this is worth it, I can’t see any videos or in-depth reviews online
If you’d be happy with BA over Virgin then this card will get you more points. Or you could get another reward/cashback card and use the money to shop around
Just a quick question. I apply for a card using British airways website it just got delivered. Do i need to join the club seperate or they going to send me a link to join or it doesn't matter? Thank you
You probably should have joined beforehand to get the 70,000 points, though that’s not to say you won’t. Def join the club ASAP and connect your accounts
Looking at taking this out as first AMEX but my main monthly expenditure goes as a standing order to a joint account which in turn pays for the house bills. With that in mind, thinking the initial £3K might be hard to hit. Whats the most common things to be regulalry paying for on AMEX, just food shops/petrol etc? Guessing you cannot pay direct debits via AMEX? Thanks!
You could try to make a manual payment with the card for things like energy, mobile etc though it’s unlikely you’ll be able to pay Council Tax. It’ll all come down to the individual provider/Council
You could always buy something like Amazon vouchers (that don't have an expiry date) or other vouchers (for food shops etc, just make sure they have a long expiry date and don't forget about them and also make sure the company will be around for a long time)
I have a friend referral link for the BA AMEX credit card (not the premium). Can I use the same link to apply for a different AMEX card (e.g. platinum cashback CC) as I’d want my friend to get the points too?
Thanks Andy, quick question I do not currently have any form of Amex card, if I apply for this one will I be able to apply for say the Amex Gold or Platinum card (if they have a great new member offer) without having to wait any time period?
Hi Andy, if you don't spend £3000 in 3 months, is there a way to move money to give that spend, what counts as a purchase? I have the money somewhere else but it's going to be hard to have £1000 a month to go out of the account on food, etc. Rent is a standing order so wouldn't count I assume!?
Yeah sadly unless your landlord accepts credit card payments that won’t work. You could look at gift cards but be careful - I’ve explained more in a previous comment
Hey @AndyCleverCash thanks a ton for such super H(ANDY) tips:). You channel and blogs have been my go to place since I landed in England. Quick question-any idea what are the chances of rejection from Amex while requesting for a card downgrade after claiming the 70k rewards. On scale of 1-5 would love to get your thoughts on the risk of rejection? (with 5 being v high chance). I am little worried if I would be stuck with a 250 GBP card for an year. Thank you so much for all the awesome content:)
I signed up for the Premium Plus card last week! I haven't activated or used the card yet. Is there a way that I can swing getting the double bonus points? Thanks Andy!
Hi Andy, love this, but I wouldn't spend that much per month. My question is, can I top up my revolut with this card and then pay it off to class as spending
Hi Andy. I passed the application, card is coming. I'm going to pay off my EDF Energy account next week. Do you know how long I have to wait before switching to the free card? Also, do we know when Amex will pay out the 70k points?
@@BeCleverWithYourCash hi Andy, would really be helpful if you could do a video for us how to book business class flights with points and best way to do it. Thanks !
@@BeCleverWithYourCash ah yes sorry I forgot you mentioned it. Do you know if you can also get this welcome bonus AND be referred by a friend to get an extra 9k points?
@@wills5434 thanks for that 🙂. Where could I find it within the app? I’m guessing they will just do it for you and then just send you out the free version?
@@TheEduboy14 in the app top right button and just ask in the chat, when they change it the the refund is pro rata so I ended up only paying £22 for the fee
Andy will buying amazon/love2shop or asda gift cards count towards this? Also spending abroad? I barely spend anything but am keen to get gift cards to secure the rest of my 2023 as ive already bought gift cards from monese! Plus the bonus is worth it!
Zilch cashback is a lot better than you're saying. Thousands of sites pay 2% cashback (including Amazon) and a few are now paying up to 5%. The 0.5% you mentioned is if you select "spend anywhere", if you go to the app before purchase and select the site you are buying from you'll get the 2-5% so with Chase 3-6%
![BOWKYLION - วิงวอน (ex-change) [Official MV]](http://i.ytimg.com/vi/cLdnZWDaO-w/mqdefault.jpg)
Thanks so much for this video. I've just hit the £3k threshold. I used it for every day spending and bought grocery gift cards in advance. I also used the card to pay for my citizenship application which will be almost £500 less because of this. This has been a massive help!!!
When did you convert it to the free card Chris? So I've just got my 70,000 AVIOS after 2.5 months. Can I convert it to the free card now, or do I have to wait for the AVIOS to reach my BA account first? Or wait 3 months, etc? Thx👍🏻
Hi Richard. I hit the threshold early in month 2 and had to wait for the avios point to show up later in the month. I then converted the avios late in month 2 and now in month 3 waiting for the nectar points to reflect. After that I will close my card, hopefully by the end of month 3.
@@St0ffel thx 👍🏻 it looks like my points get transferred to the BA account every 2nd of the month, which means 2nd May before I’m able to convert them to nectar. Hmm. So I could be in month 4 before I’m able to convert them and close the card.
This doesn’t seem to be available anymore? I am logged into my BA account but it is only referring to the 35,000 points not the 70,000. Can anyone help?
yep, same here. i checked 2 days ago and it was at 70,000, but been halved now for the last few days. annoying because they said the promo would run till the 21st Feb...
Just got the 70,000 bonus added to my Avios account. Just waiting for 6,000 from the sainsburys offer
Hi Andy do you think this offer will come back again this year? Or is it simply once a year? Thanks 😃
Do you get merchant-specific cashback offers on the ba premium plus card like you do on the platinum cashback card?
Can you downgrade from the British Airways American Express® Premium Plus Card to the American Express Gold?
Andy great video thanks for sharing 👏 My Gold Amex is coming to an end this month and I’m going to cancel it to avoid the £160 fee. I see Amex have changed the Avios bonus back to 25,000 and I use nectar points more often than I fly so perhaps it’s best to go for the nectar card as my 2nd Amex card? I haven’t had any other credit card so is it best to open the 2nd one before cancelling? Thank you 😊😁👏
Looks like this is my next Amex then, just finished with the Platinum and made an absolute killing on it.
Tracked perfectly, legend thank you Andy! ❤
Update: Completed ☑️😎
@@QuackQuackImADuck69 Made around £1400 profit from welcome bonus, referral bonus’, rewards such as £300 credit for two London meals I had, £100 at Harvey N, these are exclusive to the platinum however.
BA Amex is mainly just for the welcome bonus, I got 70K which is nearly 100K Nectar points converted, which is £500 in value. Currently have £2800 in Nectar points from CC deals and general NC use.
Andy, if you spend the amount needed for the bonus within say a month or 2 months, are u able to still cancel the card or does the 3 months have to pass before you can cancel and keep points? I have platinum card but im guessing all cards have the same rules
Hi Andy
Recently got the Amex gold before this offer spent £500 of the £3000. Now not sure if I should apply for this and start my spending again to get the 70000 avios.
Any recommendations how to approach it from my position? Thanks
Thanks Andy and I'm so glad I saw this now as I am actively looking for a new card (for the rewards) and would have already applied for an AMEX but for the fact I've had one in the last two years, so luckily it's allowed me to apply and be accepted for this one. I opened the BA Exec' club as well so that went on the form. I really appreciate you doing these videos and this one especially. 🙏🏻🙂👍🏻 (Chances are I'll be converting to Nectar points but maybe towards a flight....)
Great timing!
Hi do you really get Amex points for EVERY £1 spent or is it just when spending at the stores that are listed on the BA e-store?
Thank you for your video Andy - super useful. I am looking to travel on a long-haul flight to Asia in the coming months, hence like to apply and use it to purchase flights and build up the points. However it seems many users complained online that they hit 3k spending and only credited 35k points with no helps from either AMEX or BA to fix this, apparently no 70k written confirmation during the actual application, and AMEX/BA blame each other..would be much appreciated that if anyone could confirm whether indeed they have been credited 70k points as per advertised without any issues? many thanks
I've just applied and been accepted for this account today and am equally nervous about only receiving the 35,000.. I have Twitter PMs from both BA and Amex confirming that the 70,000 offer will be honoured. A few people seem to suggest BA will credit the extra 35,000 into your Executive Club account AFTER the initial 35,000 are credited by Amex... Fingers crossed - I've applied today.
Maybe Andy has some more info about this?..
Hi Andy, I have been keeping an eye on the Platimum BA Amex card - do topups on oyster cards count towards the 3000 GBP?
Hi Andy, I’m looking to get this for my first card with Amex but wondering if I would be eligible for the gold card after the 3 months is up and I have spent £3k, so I can generate more points? Also be able to pull away from the £250 fee that this card comes with?. Thanks for the video 🙂
How frustrating! Just signed up for the standard BA card through AMEXs website which will get me 5000 points 🙄
Hi if you refer a friend on the basic blue card you get 4,000 points for yourself and the new person that signs up gets 6,000 points if they spend 1,000 in first 3 months . After this can they transfer the 6,000 points they earned to your account. Thanks
What's the minimum credit score you'd need to get the Blue BA Amex?
if you downgrade your card do you loose the Avios point you have already earned?
Andy would I be eligible for a Platinum card if I were to get this first?
Amazing video! Can I use the Halifax Reward card to pay the balance on my BA American Express Premium Plus Card, would that qualify under the requirement of spending £500 on my debit card?
Hey Andy, thanks for your video. I want to ask if there is a minimum spend for Amex Gold Card or Amex Birtsh Airway Card? Like I have to spend that amount every month otherwise will be charged?
No, just make sure you clear the full balance each month to avoid interest
Hi Andy, thanks so much for this. I’ve just ordered a cashback card would I be able to return it and redeem this offer still?
Incorrect. You will not earn 1% cashback from Chase if you link your Zilch card to it as it is treated as a financial transaction. On top of that, you'll find many of your transactions will decline as Chase treat Zilch transactions as dodgy.
Thanks, I’m testing it out now for a proper look. Not impressed at all!
Hi you do some brilliant work on this channel keep it up! Can you give some tips on how to hit that 3k mark when you have direct debits set up with other debit cards for big payments like Mortgages, council tax, utility bills etc? Thanks
Hi Andy, will I be able to use the Amex card to pay money into to use in my Wise account and count as part of the monthly spend?
Not a good idea. There’ll be a charge and it’ll show on your credit report
Thank you Andy, took advantage of the Barclays Avios offer after your video on it a few months ago, and now applied for this card!
Is a 2023 LISA guide on the horizon? :)
Hi Andy, thanks for the video.
Currently on the Amex Gold and have been since the start of July and was my first amex card. Do you recommend getting the BA American Express Platinum for the sign up offer and then downgrading to the free one leaving me with the gold and free BA one?
Many thanks,
Az
As long as you can spend £3k in three months through normal spending I think the bonus is worth going for. Remember the Gold card is £160 after the first year so def consider ditching it at that point
Thank you!
Hi Andy/anyone that can help,
I did the eligibility checker and got a score of 1.5, however my Experian credit score is 969/999..? Does anyone know why my Amex eligibility score might be so low? Got no history of debt and have had a credit card since 2018 where I have always paid off the full amount every month. I recently moved from my parents home and haven’t signed up to electoral register at my new place, could this be the issue? Also all my current bank accounts have my home address not my new address. Is this a problem?
Has anyone had a similar experience?
How does the point converting work? Can you do it via the app? Is it straightforward
All explained here (though the conversion rate has now changed so an Avios is worth 0.67 rather than 0.8p) th-cam.com/video/JKiih0srB_o/w-d-xo.html
@@BeCleverWithYourCash thank you 🙏
Thanks Andy for all of the incredible work you continue to do. Can you confirm if £ rewards from banks are taxable and count towards people's taxable allowance? Example halifax £5 rewards
Sadly it varies by bank!
Its such a small amount of reward £5 its not worth worrying about it
@@provian it is when you can have multiple accounts of it that total hundreds of pounds and then add interest from all other savings
I applied for the premium plus card on the 1st of February to get the 35k avios points. However my application was approved on the 28th of February. Do you think I will still get the points if I meet the spending criteria
Hi Andy, I've been testing this but have been unable to stack cashback using Zilch - so combining Zilch and Chase cashback doesn't work. I think this is because all purchases go through as 'Zilch' and financial services are exempt from cashback.
Yeah I think you’re right. It might work via Curve… I’ll test it out
@@BeCleverWithYourCash I can confirm it doesn't either 😉
I've had the same experience (not being able to stack Zilch and Chase, not even through Curve). However, you can stack Algbra (which gives 1% cashback) with Zilch. I'm doing it through Curve - I don't know if it works direct.
Can you get a referral bonus and the family member earns the 70k welcome bonus too?
Thank you, that was really interesting, great deal!
Andy, do you know if there is a way to get a referral bonus to this card too? Can someone from who has the BA Amex card refer you to this one (through the Executive Club) so that they get a bonus too?
Sadly not if you want the increased 70,000 bonus
Andy - Thank you for this video bro
how do you downgrade? phone or can it be done online?
I think I did it over the phone but live chat would work too
Hey Andy, if i spend £3000 in the first month can i downgrade instantly?
I last had my card on 26 Jan 2021 and the promotion ends mid Feb so looks like perfect timing. I just need to wait 2 weeks before I can apply. I just hope I am eligible as I'm already stoozing with 2 balance transfer cards and a bit of debt (good debt).
So double check the date they have for that account being closed, just in case it bleeds over a few days
@Andy Clever Cash thanks. I gave them a call and they confirmed the same date thank goodness. I will wait a few days before I apply to play it safe
@Andy, so I've applied today and got approved. Now I just need to meet the qualifying criteria before 29th April. Thanks so much!
Big wins from AMEX right here🙏
So strange to have both offers running!
whats the customer service like with swapping onto this deal no chance?
You’ll have to apply for a new card (make sure you go via the BA Executive Club)
Hi Andy, signed up to the BA Amex card after watching your video! Do you have any more info how you receive those points as the sign up experience is rubbish with Amex no written confirmation of the 70,000 point on the sign up confirmation email or on Amex app after registering card?
Thanks.
On the website my account there’s a button that says track your bonuses
@@wills5434 they’ve removed this functionality apparently
@@stefanosileo8966 I’ve just logged in on safari on iPhone and under avios to be transferred there’s a section that says you have 2 card bonuses track your progress
Hi Andy, would buying gift cards with this count towards the £3000? Would it count as a cash advance?
Yes it would count. Though be careful as there’s the risk you lose the card or they expire. I’d only do this as a last resort if you’re close to the target and are confident you’ll spend the gift cards shortly after buying then
question about BA Amex: if I was to make a single £4000 purchase in the first month of card membership, would the points be added sooner than after 3 months, allowing me to cancel the card after the first month (or however many days it takes to get the points)?
Yep absolutely
@@BeCleverWithYourCash cool! thanks Andy - love your videos :)
Hi Andy have you considered about doing a slightly longer live once in a while? Last time 30 minutes wasn’t enough for all the questions
Sadly if I did all the questions it’d probably never end, so I’ve got to be strict and stick to the 30 mins!
@@BeCleverWithYourCash Fair enough. Thanks for responding in the comments here though!
Hi Andy, I’ve been looking at the virgin Atlantic card to use whilst purchasing things for my up coming wedding, we would then use the points to book a honeymoon using some of points we build. However, I can’t tell if this is worth it, I can’t see any videos or in-depth reviews online
If you’d be happy with BA over Virgin then this card will get you more points. Or you could get another reward/cashback card and use the money to shop around
Just a quick question. I apply for a card using British airways website it just got delivered. Do i need to join the club seperate or they going to send me a link to join or it doesn't matter? Thank you
You probably should have joined beforehand to get the 70,000 points, though that’s not to say you won’t. Def join the club ASAP and connect your accounts
Looking at taking this out as first AMEX but my main monthly expenditure goes as a standing order to a joint account which in turn pays for the house bills. With that in mind, thinking the initial £3K might be hard to hit. Whats the most common things to be regulalry paying for on AMEX, just food shops/petrol etc? Guessing you cannot pay direct debits via AMEX? Thanks!
You could try to make a manual payment with the card for things like energy, mobile etc though it’s unlikely you’ll be able to pay Council Tax. It’ll all come down to the individual provider/Council
You could always buy something like Amazon vouchers (that don't have an expiry date) or other vouchers (for food shops etc, just make sure they have a long expiry date and don't forget about them and also make sure the company will be around for a long time)
I have a friend referral link for the BA AMEX credit card (not the premium). Can I use the same link to apply for a different AMEX card (e.g. platinum cashback CC) as I’d want my friend to get the points too?
Yes you can. Just click the “see other cards” button (I think top right). However you won’t see the 70,000 points option for the BA Amex Premium Plus
Thanks Andy, quick question I do not currently have any form of Amex card, if I apply for this one will I be able to apply for say the Amex Gold or Platinum card (if they have a great new member offer) without having to wait any time period?
You’d be able to get the Platinum (under the current rules) and get the bonus but no others.
Hi Andy, if you don't spend £3000 in 3 months, is there a way to move money to give that spend, what counts as a purchase? I have the money somewhere else but it's going to be hard to have £1000 a month to go out of the account on food, etc. Rent is a standing order so wouldn't count I assume!?
Yeah sadly unless your landlord accepts credit card payments that won’t work. You could look at gift cards but be careful - I’ve explained more in a previous comment
Hey @AndyCleverCash thanks a ton for such super H(ANDY) tips:). You channel and blogs have been my go to place since I landed in England. Quick question-any idea what are the chances of rejection from Amex while requesting for a card downgrade after claiming the 70k rewards. On scale of 1-5 would love to get your thoughts on the risk of rejection? (with 5 being v high chance). I am little worried if I would be stuck with a 250 GBP card for an year. Thank you so much for all the awesome content:)
It’s shouldn’t be any issue downgrading. The problem would be more if you regularly flipped between the two
Aah I see! Got it-thanks, as always!
Seems great thanks Andy.
Seems possible/likely the 70,000 is just an error but even 35,000 is better than nothing!
Hi Andy, was wondering if you could add a referral bonus on top of this too? And if you have any info on how much this would accumulate to?
Sadly not
I signed up for the Premium Plus card last week! I haven't activated or used the card yet. Is there a way that I can swing getting the double bonus points?
Thanks Andy!
Seen some threads of people asking the same - but they said after contacting Amex suport - they said No
Ah, that’s frustrating. I’d expect not
Hi Andy, love this, but I wouldn't spend that much per month. My question is, can I top up my revolut with this card and then pay it off to class as spending
That would count as a cash advance which comes with a charge, and likely appear on your credit report too
@Andy Clever Cash would topping up Amazon or buying Amazon, asda and love2shop gift cards work? Plus food and fuel spend and I'll nearly reach this
Hello Andy, just one quick question: is there any UK credit card which helps build up US credit score please? Thanks so much
Sadly not that I know of and I think it’s unlikely
You need be self employer to get it
Just got accepted for this. I was wondering how do they know the difference between the 35000 deal and the 70000 deal?
If you clicked through from the BA executive club link and enter your BA Executive club membership it should track on the 70,000 points
@@BeCleverWithYourCash do you think there's a chance they just won't honour it Andy? Did you contact them at all? Thanks for your help
Hi Andy. I passed the application, card is coming. I'm going to pay off my EDF Energy account next week. Do you know how long I have to wait before switching to the free card? Also, do we know when Amex will pay out the 70k points?
You can downgrade once you’ve triggered and received the bonus and the points are in your Avios account. I think it’s pretty fast.
Hi, I'm planning to do the same (big EDF top up..) - card is on the way. Did it go through ok? How long did Amex take to pay out the points? Thanks!
107.7 apr though? I'm confused why you appear to be recommending this with such a high Apr? Just curious as to why?
The representative Apr is because of the annual fee. He's recommending it because you should be paying off each month so not be paying any interest.
He's recommending it purely for the welcome bonus and makes a clear point to make sure you pay the card off every month.
As Jamie and Richard say! Do check out my video on the rules for credit cards too
Btw Andy on your site you say its potentially worth 73,000 i would be worth 74,500 as mentioned in this vid!
Yeah realised it’s 1.5 points per £1 so updated it on the blog
Isn't that worth a business class flight to the middle east?
Yeah potentially - though you need to factor in the taxes and fees
@@BeCleverWithYourCash hi Andy, would really be helpful if you could do a video for us how to book business class flights with points and best way to do it. Thanks !
Can you top up a GIA with the credit card and then withdraw the money ?
Not without extra charges
Thanks. So new laptop then :)
When is deadline for the Amex offer?
As mentioned in the video it’s 21 Feb, though of course it’s not impossible they pull it earlier
@@BeCleverWithYourCash ah yes sorry I forgot you mentioned it. Do you know if you can also get this welcome bonus AND be referred by a friend to get an extra 9k points?
How do you downgrade to the free card?
Live chat in app or phone
@@wills5434 thanks for that 🙂. Where could I find it within the app?
I’m guessing they will just do it for you and then just send you out the free version?
@@TheEduboy14 in the app top right button and just ask in the chat, when they change it the the refund is pro rata so I ended up only paying £22 for the fee
the only offer I can see is 35000 points not 70000
Yeah the difference is explained in the video. Watch again and you’ll see why there are two offers and how to find the increased deal
it's not for me but thank you
Yeah, not worth it if you’re not confident with managing the cards
Massive deal
It really is
I'm watching but thinking I will not be applicable to this
Yeah it’s vital you don’t spend money you don’t have to trigger the bonus
Defo not 3k in 3 months
Yeah if you can’t spend that then definitely avoid! Maybe consider the £1,000 in three months option
I am 18 can I do it
It’s unlikely you’d get accepted, but you can check eligibility on the Amex website to see what your chances are
@@BeCleverWithYourCash I just turned 18 what do you think the best credit card is to go for
I applied as a student and got £1200 limit!
Andy will buying amazon/love2shop or asda gift cards count towards this? Also spending abroad? I barely spend anything but am keen to get gift cards to secure the rest of my 2023 as ive already bought gift cards from monese! Plus the bonus is worth it!
Yep will do, just be careful with the gift cards. If you lose them or they expire you lose the money
@@BeCleverWithYourCash on beermoney one said book a vrbo and then refund it!!
@@BeCleverWithYourCash Will I still get the bonus if I have had Barclaycard Avios?
Zilch cashback is a lot better than you're saying.
Thousands of sites pay 2% cashback (including Amazon) and a few are now paying up to 5%.
The 0.5% you mentioned is if you select "spend anywhere", if you go to the app before purchase and select the site you are buying from you'll get the 2-5% so with Chase 3-6%
It used to be 2% on 'spend anywhere', so it's a big downgrade. Effectively means you can now only get 2% plus cashback on online purchases.
@@robertmills4591 correct, but in the vid only mentioned 0.5%, not the 2-5%.