Updated
UK travel credit cards, points values and transfer partners on AwardHack
AwardHack now supports the UK. You can track 17 UK travel credit cards in pounds: Amex Membership Rewards, British Airways Avios, Virgin Points, HSBC Premier Rewards, Nectar, Marriott Bonvoy and cash back. Every card's annual fee, welcome bonus and statement credits are in GBP, and every point is valued in pence. If you also hold cards from the US, Canada or the Nordics, AwardHack shows each card in its own currency and converts your totals to the currency most of your cards use.
What you can do with UK cards
- Track your cards with their annual fees, renewal dates and welcome bonus progress in pounds.
- Use your statement credits: the Amex Platinum's £100 UK and £100 overseas dining credits each half-year, its lululemon and Oura credits, the Preferred Rewards Gold's Deliveroo credit, the business cards' Amex Travel, Indeed, Dell and Alamo credits, and the BA Accelerating Business card's £200 Avios Hotels credit. Companion and upgrade vouchers, and the Marriott card's free night, are there too, to tick off once you've earned and used them.
- Track point balances for Amex Membership Rewards UK, HSBC Premier Rewards and Nectar, alongside Avios, Virgin Points and Marriott Bonvoy.
- Find transfer partners for Amex Membership Rewards UK and HSBC, with their UK ratios.
All 17 UK cards at a glance
Annual fees are the regular primary-card fee, before first-year waivers. Earn rates are points (or percent cash back) per £1.
| Card | Issuer | Annual fee | Earns | Top earn rate |
|---|---|---|---|---|
| Amex Preferred Rewards Gold | Amex | £195 (free in year 1) | Membership Rewards | 3x at Amex Travel, 2x with airlines and abroad |
| Amex Platinum | Amex | £650 | Membership Rewards | 2x at Amex Travel |
| Amex Rewards Credit Card | Amex | £0 | Membership Rewards | 1x on everything |
| British Airways Amex | Amex | £0 | Avios | 1 Avios on everything |
| British Airways Amex Premium Plus | Amex | £300 | Avios | 1.25 Avios on everything |
| Barclaycard Avios | Barclaycard | £0 | Avios | 1 Avios on everything |
| Barclaycard Avios Plus | Barclaycard | £240 (£20 a month) | Avios | 1.5 Avios on everything |
| Nectar Amex | Amex | £30 (free in year 1) | Nectar | 2 Nectar points (1.25 Avios) on everything |
| Virgin Atlantic Reward | Virgin Money | £0 | Virgin Points | 1.5 with Virgin Atlantic and Virgin Holidays |
| Virgin Atlantic Reward+ | Virgin Money | £160 | Virgin Points | 3 with Virgin Atlantic and Virgin Holidays |
| HSBC Premier World Elite | HSBC | £290 | HSBC Premier Rewards | 4 in foreign currency, 3 elsewhere |
| HSBC Premier Credit Card | HSBC | £0 | HSBC Premier Rewards | 2 in foreign currency, 1.5 elsewhere |
| Marriott Bonvoy Amex | Amex | £95 | Marriott Bonvoy | 6 at Marriott |
| Barclaycard Rewards | Barclaycard | £0 | Cash back | 0.25%, with no foreign transaction fee |
| Amex Business Platinum | Amex | £650 | Membership Rewards | 2x at Amex Travel |
| Amex Business Gold | Amex | £195 (free in year 1) | Membership Rewards | 2x at Amex Travel |
| British Airways Amex Accelerating Business | Amex | £250 | Avios | 1.25 Avios, plus 10,000 per £20,000 spent |
What UK points are worth, in pence
AwardHack values each program at what a points collector can reasonably expect, the same way it values US programs, and shows the cash-out rate as a floor. Values are in pence per point.
| Program | AwardHack value | Floor | Basis |
|---|---|---|---|
| British Airways Avios | 1.0p | 0.5p (Nectar) | Head for Points' rule of thumb |
| Virgin Points | 1.0p | 0.5p (Virgin Red) | Head for Points |
| Amex Membership Rewards (UK) | 1.0p | 0.45p (statement credit) | Transfers 1:1 to Avios and Virgin Points |
| HSBC Premier Rewards | 0.5p | 0.33p (shopping vouchers) | Transfers 2:1 to Avios |
| Nectar | 0.625p | 0.5p (Sainsbury's and Argos) | Converts to Avios at 400:250 |
| Marriott Bonvoy | 0.5p | 0.3p | Head for Points, September 2026 |
Multiply a card's earn rate by the value to compare cards fairly. The Amex Gold's 2x on flights booked with airlines at 1p is worth 2%, the Barclaycard Avios Plus's 1.5 Avios is worth 1.5% everywhere, the Nectar Amex's 2 Nectar points at 0.625p are worth 1.25%, and the HSBC Premier World Elite's 3 points at 0.5p is worth 1.5%. Barclaycard Rewards pays 0.25% in cash, but it is in the list because it charges no fee on spending abroad, where most UK cards add 2.99%.
Where UK points transfer
Two UK bank programs transfer to airlines and hotels: Amex Membership Rewards and HSBC Premier Rewards. Neither publishes its partner list outside the logged-in rewards site, so the ratios below come from Head for Points, MaxYourTrip and The Point Calculator, and they agree with each other.
| From | To | Ratio |
|---|---|---|
| Amex Membership Rewards (UK) | British Airways Avios | 1:1 |
| Amex Membership Rewards (UK) | Virgin Points | 1:1 |
| Amex Membership Rewards (UK) | Iberia, Qatar Airways (Avios) | 1:1 |
| Amex Membership Rewards (UK) | Air France KLM Flying Blue | 1:1 |
| Amex Membership Rewards (UK) | Cathay Pacific, Delta, Qantas, SAS EuroBonus | 1:1 |
| Amex Membership Rewards (UK) | Singapore Airlines KrisFlyer | 3:2 |
| Amex Membership Rewards (UK) | Emirates Skywards | 2:1 |
| Amex Membership Rewards (UK) | Marriott Bonvoy | 2:3 |
| Amex Membership Rewards (UK) | Hilton Honors | 1:2 |
| Amex Membership Rewards (UK) | Radisson Rewards | 1:3 |
| Amex Membership Rewards (UK) | Accor Live Limitless | 3:1 |
| HSBC Premier Rewards | British Airways, Qatar Airways, Emirates, Etihad, Air India, Cathay Pacific, Flying Blue, Qantas, Singapore Airlines | 2:1 |
| HSBC Premier Rewards | IHG One Rewards, Wyndham Rewards | 2:1 |
- Emirates moved from 4:3 to 2:1 on February 1, 2026, and Accor joined Membership Rewards on May 13, 2026.
- Etihad stopped taking UK Membership Rewards transfers on June 22, 2026. HSBC still transfers to it.
- Aer Lingus isn't a direct partner: move Membership Rewards to British Airways and combine the Avios.
- Nectar isn't a bank program, but Nectar points convert to Avios at 400:250 (and Avios back to Nectar), so the Nectar Amex works as a low-fee Avios card.
Changes coming up
| Date | Card | Change |
|---|---|---|
| December 1, 2026 | HSBC Premier World Elite and Premier Credit Card | Higher welcome offers end: 70,000 points goes back to 40,000, and 30,000 to 20,000 |
| December 31, 2026 | Amex Platinum | Amex says the Global Dining Credit ends; AwardHack will check whether it is renewed |
| January 12, 2027 | Amex Platinum and Preferred Rewards Gold | Offers with Selfridges gift cards close: 80,000 points goes back to 50,000, and 30,000 to 20,000 |
| January 12, 2027 | Amex Business Platinum and Business Gold | Offers with Selfridges gift cards close: 100,000 points goes back to 50,000, and 40,000 to 20,000 |
| April 1, 2027 | British Airways Amex Premium Plus | Tier points from spend become 1 per £10, capped at 3,000 a year |
Two recent changes are already in the data: since October 7, 2026, the BA Premium Plus earns a flat 1.25 Avios per £1 (it used to earn 1.5, and 3 on BA), and the BA Accelerating Business card earns 1.25 Avios and gives up to £200 a year back on Avios Hotels and Car Hire.
Companion and upgrade vouchers
Most UK airline cards reward a year's spending with a voucher instead of extra points:
- British Airways Amex: an economy 2-for-1 companion voucher after £15,000 in a card year.
- British Airways Amex Premium Plus: a 2-for-1 companion voucher in any cabin, including Club World and First, after £15,000.
- Barclaycard Avios and Avios Plus: a cabin upgrade voucher for an Avios booking, or 7,000 Avios, after £20,000 (Avios) or £10,000 (Avios Plus).
- Virgin Atlantic Reward and Reward+: a companion seat or a cabin upgrade on Virgin Atlantic after £20,000 (Reward) or £10,000 (Reward+).
The benefits tracker lists each card's voucher, and the Marriott Bonvoy Amex's free night after £25,000, so you can keep track of them each card year; untrack any you don't plan to earn. They have no cash value, so they aren't counted in a card's value on AwardHack.
How welcome bonuses are counted
AwardHack shows each card's current public offer. Where an offer is raised for a limited time, as on the HSBC cards and the Amex Platinum, Gold, Business Platinum and Business Gold, it is marked as a limited-time offer with its end date and the usual offer. The Amex cards' Selfridges gift cards are counted at 1p per pound of gift card when the bonus is valued. Amex, Barclaycard and BA cards limit bonuses to people who haven't had a similar card recently, often in the last 24 months, so check the terms before you apply.
How to get started
- Create a free account, or sign in.
- Open the dashboard and add your cards. UK cards show a 🇬🇧 flag in the card picker.
- Add your point balances in the points tracker, and mark statement credits as you use them in the benefits tracker.
How this data was checked
Every card was checked on October 31, 2026, against the issuer's product page, summary box or terms, with Head for Points, Points Well Made and The Point Calculator as cross-checks. Amex and HSBC show their transfer partners only after you log in, so those ratios rest on UK points blogs, which agree with each other. Point values follow Head for Points. The raised Amex Platinum and Gold offers that started on November 4, 2026, and the Nectar Amex, were checked and added that day. Offers change often, so confirm the current offer on the issuer's site before you apply.
FAQ
Which UK credit cards does AwardHack support?
17 travel cards: 14 personal cards from American Express, Barclaycard, Virgin Money and HSBC, and 3 Amex business cards. They cover Amex Membership Rewards, British Airways Avios, Virgin Points, HSBC Premier Rewards, Nectar, Marriott Bonvoy and cash back.
Are UK cards shown in pounds?
Yes. Annual fees, welcome bonus spending, statement credits and point values for UK cards are all in GBP, with points valued in pence. If you also hold cards from another country, each card keeps its own currency and totals are converted, marked with "≈".
How much is an Avios worth?
AwardHack values Avios at 1p each, Head for Points' rule of thumb. Converting Avios to Nectar points gets 0.5p, and long-haul business class redemptions can get much more.
How much are Amex Membership Rewards points worth in the UK?
1p each, because they transfer 1:1 to British Airways Avios and Virgin Points. Using them as a statement credit gets about 0.45p.
Which UK points transfer to airlines?
Amex Membership Rewards UK (to British Airways, Virgin Atlantic, Iberia, Qatar Airways, Flying Blue, Cathay Pacific, Delta, Qantas, SAS, Singapore Airlines and Emirates) and HSBC Premier Rewards (at 2:1 to British Airways, Qatar Airways, Emirates, Etihad, Air India, Cathay Pacific, Flying Blue, Qantas and Singapore Airlines).
Which UK cards give a 2-for-1 companion voucher?
The British Airways American Express cards. The free card gives an economy voucher and the Premium Plus a voucher in any cabin, each after £15,000 of spending in a card year. The Virgin Atlantic Reward cards give a companion seat or upgrade voucher after £20,000 (Reward) or £10,000 (Reward+).
Can I track UK and US cards together?
Yes. Each card shows its amounts in its own currency, and your totals are converted to whichever currency most of your open cards use.