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The monthly break-even for a fee-charging points debit card: how much non-Amex spend it needs before its points cover the fee
A fee-charging points debit card breaks even when monthly spend reaches fee ÷ (points per £ × your value per point in £). Using hypothetical figures, this guide shows how sharply the answer moves with your valuation, how to count only spend Amex can't take, how to net off a free alternative, and which card terms to check before trusting the figure.
Amex Platinum and the planned Priority Pass cap: how to decide whether the card still earns its fee for you
From 2028, Amex UK Platinum plans to cap Priority Pass at 20 visits for the main Cardmember and 10 for a supplementary, unless the account spends £30,000 in 2027. How to count your entries, weigh the spend route and run…
Dropping Amex Gold at renewal but keeping BA Premium Plus: a countdown from your fee date for your Membership Rewards points
Dropping the Amex Gold but keeping BA Premium Plus? Ask Amex first what happens to your Membership Rewards balance. If it's at risk or unclear, start about four weeks before the fee date if your partner isn't linked, or about…
A Membership Rewards transfer bonus on one BA reward seat: how many points it actually saves, and when it makes no difference
A Membership Rewards transfer bonus to BA Club only works on the Avios you have to move. Work from the shortfall, convert it at the standard and bonused ratios, round both to the transfer increment, and the difference is your…
Hilton points at a resort-fee hotel: add the waived resort fee to the cash side before you work out pence per point
Hilton's terms waive resort fees on all-points reward stays and promotional free night certificates. Add every night's fee to the paid total before dividing by the points price, add it to any Points & Money mix's cash outlay too, and…
Short of Avios on a BA reward seat: buy the gap or pay cash to reduce the Avios required?
A method for comparing buying the Avios shortfall with BA's pay-cash-to-reduce option on the same booking: count total cash, credit leftover Avios at a cautious floor, and check the seat still passes your value test. All figures are hypothetical.
Supplementary Amex or your partner’s own debit card: whose account the points land in, and whether they can be combined
Under Amex UK's redemption FAQ, a partner's spend on a supplementary card earns points in the primary's Membership Rewards account, where the primary controls redemption. Points from a debit card in the partner's own name build a separate balance. This…
Your Amex UK transfer bonus ends soon and BA Club isn’t linked yet: how to work out if you can still catch it
An unlinked BA Club account puts Amex UK's 14-day verification allowance in front of a transfer that usually takes up to five working days. Here's how to count your days against the offer's qualifying event and any registration cut-off, and…
Part-paid a BA cash fare and your dates might move? What BA says happens to the money portion, and what to check before you change
BA says that on Avios part payment bookings, a peak-to-off-peak date change refunds any Avios difference but not the money difference, and points to cancelling for a full refund and rebooking instead. Here is how to compare changing, cancelling and…
Should you transfer Amex points before you’ve found the seat? The case against speculative transfers
Amex UK says partner transfers are irreversible. Link partner accounts now, confirm the seat, then transfer only the shortfall, with two narrow exceptions to test case by case.
Booking a Hilton reward room for two adults and a child: check before transferring Amex points
Booking a hotel room on points for a family of three requires navigating strict occupancy rules and hidden cash fees. Because American Express points transfers are irreversible, failing to check a property’s specific policies can leave you with stranded points.
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