The best Avios-earning credit cards: Which is the one for you?
Editor's Note
Avios are quickly becoming one of the most popular loyalty currencies in Europe — and worldwide.
While British Airways Club, Iberia Club and Aer Lingus AerClub have long used Avios as their loyalty currency, Loganair Loyalty and Finnair Plus are the most recent additions. Qatar Airways Privilege Club and Vueling Club are also part of the Avios program.
What is unique and valuable about Avios is that you can transfer your Avios between these programs in any direction at a 1:1 rate as often as you want.
Several cobranded credit cards are available from airlines that use Avios, and every major credit card program has at least one Avios program as a transfer partner at a 1:1 ratio.
So, with Avios so easy to earn, move around and redeem, what are the best cards for Avios redemptions?
While there isn't a single best card that wins in every category, depending on your priorities, here are the best options.
You want to earn a large welcome bonus
There are plenty of great welcome bonuses available right now on many of our favorite cards. This includes the three Chase-issued Avios cards:
- Aer Lingus Visa Signature® Card: Earn 75,000 Avios after spending $5,000 on purchases within the first three months from account opening.
- British Airways Visa Signature® Card (see rates and fees): Earn 75,000 Avios after spending $5,000 on purchases within the first three months from account opening.
- Iberia Plus Visa Signature® Card: Earn 75,000 Avios after spending $5,000 on purchases within the first three months from account opening.
The information for the Aer Lingus Visa Signature and Iberia Visa Signature cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
With TPG's October 2025 valuations of Avios at 1.4 cents each, these welcome bonuses are worth $1,050 each. That's enough for a first-class flight to London (plus fees, taxes and carrier-imposed surcharges).
Just keep in mind that you won't be able to earn a welcome bonus on one of these cards if you currently hold it or have earned a bonus on it in the past 24 months.
Related: Best Avios sweet spots: How to redeem for domestic and international award flights
You spend a lot on flights
If you earn and redeem Avios, you're likely to make some purchases directly with airlines, whether it's paying for the fees, taxes and surcharges associated with your redemption or boosting your Avios balance by purchasing cash fares.
If you mainly fly on Aer Lingus, British Airways or Iberia, adding one of these cobranded airline cards to your wallet makes sense. If you're not loyal to one airline, though, consider the following options for your airline spending:
- The Platinum Card® from American Express: Earn 5 points per dollar spent on flights purchased directly from the airline or through American Express Travel® (on up to $500,000 per calendar year, then 1 point per dollar). There's an annual fee of $895 (see rates and fees).
- The Business Platinum Card® from American Express: Earn 5 points per dollar spent on flights — and prepaid hotels — purchased through Amex Travel. Like its consumer counterpart, the card comes with a $895 annual fee (see rates and fees).
- Capital One Venture X Rewards Credit Card: Earn 5 miles per dollar spent on flights booked through Capital One's travel booking site and 2 miles per dollar spent on flights booked directly with an airline. The card comes with an annual fee of $395.
You want to maximize transfer bonuses
Occasionally, credit card issuers offer transfer bonuses for select airline and hotel partner programs. There is no certainty as to when these bonuses will occur, and the number of points and miles you can receive from the bonus can vary from as low as 10% to over 40%.
American Express generally comes out on top as far as the frequency of transfer bonuses is concerned. With that in mind, these are the best Amex card offers currently available:
- The Platinum Card from American Express: Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
- American Express® Gold Card: Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
- The Business Platinum Card from American Express: Earn 200,000 bonus points after spending $20,000 on purchases within the first three months of card membership.
- American Express® Business Gold Card: Earn 100,000 bonus points after spending $15,000 on purchases in the first three months of card membership.
You want to enjoy elite status-like perks
Earning elite status in an airline loyalty program usually requires significant spending directly with the airline and/or on a cobranded credit card. Fortunately, if you wish to enjoy the perks of elite status, you can do so with the right Avios credit card.
The Qatar Airways Privilege Club Visa Infinite Credit Card has a welcome offer of up to 50,000 Avios — 25,000 Avios after the first transaction and an additional 25,000 Avios and 150 Qpoints after spending $5,000 in the first three months of account opening. The card comes with a $499 annual fee.
The information for the Qatar Airways Privilege Club Visa Infinite Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
While this welcome bonus is lower than the Chase Avios-earning cards, it also offers one year of complimentary Qatar Airways Privilege Club Gold status (equivalent to Oneworld Sapphire), which includes benefits like priority boarding, preferred seating, lounge access and a 75% bonus on earning Avios with eligible flights.
You can also receive worldwide lounge access through the right credit card.
The Capital One Venture X Rewards Credit Card offers unlimited complimentary access for you and two guests to 1,300-plus lounges, including Capital One Lounges and Priority Pass lounges (enrollment required).
Lounge access changes are coming to Venture X cardholders starting Feb. 1, 2026. After this date, Venture X cardholders will no longer be able to bring complimentary guests with them to Priority Pass and Capital One lounges (unless they spend $75,000 in a year for the latter).
Chase Sapphire Reserve® (see rates and fees) cardholders get access to Chase Sapphire Lounges as well as access to Priority Pass lounges.
Finally, eligible Amex Platinum cardmembers can access the American Express Global Lounge Collection, including Centurion, Delta Sky Clubs*, Escape, Plaza Premium lounges, Priority Pass™ and select Lufthansa lounges. Enrollment may be required.
*When traveling on same-day Delta flights, eligible Platinum Card members will receive 10 visits per eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.
You want to save money on airfares and redemptions
While each of the three Chase Avios-earning cards offers a companion voucher or discount for spending $30,000 yearly on the card, the British Airways Visa Signature Card offers extra benefits when booking cash and Avios redemptions.
Each year, in addition to earning a companion voucher, you can:
- Get 10% off British Airways-operated revenue flights departing the U.S. to London and beyond, including fees, taxes and carrier-imposed surcharges (excluding excess baggage or seat selection fees) when you book through the website provided in your welcome materials.
- Get a $100 statement credit ($200 for business- and first-class seats) up to three times a year when you book a reward flight to London on British Airways and pay your taxes and fees with your card (up to $600 annually).
- Use Avios to pay for taxes, fees and carrier charges when you redeem a British Airways ticket, though this is not usually a good deal.
You spend in non-travel categories
While Avios enthusiasts may be directing plenty of credit card spending to airfare, if you spend a lot of money on other categories like dining, groceries and other travel, you can earn lots of rewards with increased earning rates in these categories with the following cards:
- The American Express Gold Card earns 4 points per dollar spent at restaurants worldwide (on up to $50,000 per calendar year, then 1 point per dollar) and 4 points per dollar spent on groceries at U.S. supermarkets (on up to $25,000 per calendar year, then 1 point per dollar).
- The Citi Strata Premier® Card (see rates and fees) earns 3 points per dollar spent at electrical vehicle charging and gas stations, restaurants and supermarkets.
You fly to Europe regularly
The British Airways Visa Signature Card has numerous discounts and statement credits when flying with British Airways for both cash fares and Avios redemptions.
With BA's notorious carrier-imposed surcharges, you could save plenty of money on cash fares and Avios redemptions when you book multiple seats or flights each year.
Related: Quick Points: Here's why you shouldn't end your European trip in the UK
You want to travel in premium cabins with your family
You might want to earn lots of Avios quickly to redeem for luxury products like British Airways' first class or Qatar Airways' award-winning Qsuite business class. In that case, you'll want a card with a high welcome bonus and generous category bonuses.
For a limited time, new cardholders of the Citi Strata Elite℠ Card (see rates and fees) can earn 100,000 bonus points after spending $6,000 in the first three months from account opening.
The card also has impressive earning rates, allowing you to earn bonus points on travel booked via Citi Travel and on dining.
If you spend heavily in these categories, you can boost your balance quickly, giving you a solid stash of Avios to use for those high-end bookings.
Bottom line
Even if you don't fly to Europe often, Avios is worth your consideration. Avios are easy to earn from many different credit cards and easy to redeem through the seven different programs that use the currency. You also have the unique flexibility of transferring Avios between each program at no cost at a 1:1 rate in any direction.
While there is no slam-dunk Avios or transferable points-earning credit card for every traveler, there are excellent options to help you book your next trip.
Related: New user-friendly tool lets you easily transfer Avios between all 7 airline programs
For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Business Platinum Card, click here.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.