The newest information that can assist you get probably the most out of your bank card.
Right here’s my month-to-month replace sharing modifications for main UK bank cards, in addition to a number of the related articles you might need missed on the positioning.
September’s bank card & BNPL replace video
I am going into extra element on a few of this month’s updates on this video.
September’s bank card & BNPL information
Barclaycard permits present clients to get Amazon card
The Amazon Barclaycard launched a yr in the past, however present Barclaycard holders have been barred from making use of. The excellent news is that has modified. The unhealthy information is you may’t get this in addition to your present card, you’ll want to modify it.
The cardboard itself is respectable should you usually store at Amazon. There’s 1% again there, doubled on gross sales like Black Friday and Prime Day. For the primary yr there’s additionally 0.5% again on spending elsewhere, falling to 0.25% after.
Proper now there’s a £20 Amazon present card obtainable for brand new clients, although I’d count on that to extend come Black Friday (£50 was obtainable throughout Prime Day).
Nonetheless, do verify what Barclaycard perks you’d be giving up by transferring over. The Barclaycard Rewards card is considered one of our prime journey picks because it’s fee-free overseas and presents 0.25% again too. Or there’s the Barclaycard Avios which might earn factors on spending in direction of flights.
It’s additionally price noting you may’t use the Amazon Barclaycard on Apple Pay.
Barclaycard closes Cashback Rewards
Should you’ve obtained a Barclaycard you could have activated the Cashback Rewards function, which was on prime of another cashback you earned on some Barclaycards. This lets you activate presents at particular retailers and earn some a refund.
Nicely, that’s going to shut on 1 October 2025. In it’s place might be Barclays Cashback Rewards. Now, this already exists if in case you have a Barclays present account, and is just about the identical. So I assume it’ll simply be a case of registering for this nearer the time.
Within the meantime it’s price checking your present Barclaycard Rewards account and claiming any cashback that’s obtainable. You must also make sure the account linked to your Barclaycard so you may declare any cashback on account of hit the account this month.
Santander reduces Edge price and hikes payment
The Santander Edge credit card cashback price within the first yr has been lower from 2% to 1% for brand new clients. Although 1% remains to be respectable in comparison with most different bank cards, it’s capped at £10 a month.
You additionally have to issue within the month-to-month payment, which has elevated. That’s now £4 a month somewhat than £3. Once more that is only for new clients.
Mixed it means probably the most you may earn is definitely 0.6% again, and that’s should you spend precisely £1,000 on the cardboard every month. Spend much less or extra and the speed reduces. The truth is, you’ll be shedding cash should you spend lower than £400 a month.
Amex modifications Gold bonus factors
From 14 October, you’ll probably get fewer bonus factors on spending from the American Specific Most well-liked Rewards Gold card.
In the meanwhile, these tiered factors are triggered for every £5,000 spend as much as £25,000. From October they’ll be activated while you spend £10,000 after which £20,000.
Should you spend bang on £10,000 or £20,000 then you definately’ll get the very same bonus, however spend roughly and also you’ll be down.
I’ve coated the modifications in additional element in our American Express Preferred Gold credit card review.
Amex extends Platinum Eating credit score
The American Specific Platinum bank card presents £100 eating credit score each six months, and was on account of end on the finish of 2025. That’s now been prolonged by one other yr, so new or present card holders will be capable of declare an additional £200 when consuming out at chosen UK eating places.
Additionally prolonged is identical promotion for abroad eating places, although I discover these areas are tougher to search out (for instance, there’s nothing in Dublin or San Francisco) and actually rely on you visiting these locations.
BA Amex provides British Airways Membership tier factors
Again in December, British Airways mentioned you’d quickly be capable of earn tier factors for British Airways flights through the BA American Specific Premium Plus bank card. Lastly in late June we had the small print.
You’ll have to register your card within the Amex app earlier than 25 January 2026 to earn these factors, which can be utilized to get free seat reservations and different perks on British Airways bookings. These are separate to the Avios factors you earn from spending, that are carrying on as regular.
In whole there are 2,500 factors obtainable, and the factors final 12 months.
- Spend £15,000 a yr to get 750 tier factors
- Spend £20,000 a yr (cumulatively) to get one other 750 tier factors
- Spend £25,000 a yr (cumulatively) to get one other 1,000 tier factors
This isn’t an everyday function for the cardboard, as an alternative a short lived supply which ends 1 February 2026, and that’s additionally the deadline for the cumulative spending above. The BA web site says there’ll be one other option to earn tier factors from April 2026.
It’s price noting that even should you get all 2,500 factors, that’s nonetheless not sufficient to activate Bronze, the bottom tier membership. You’ll have to spend one other £1,000 with British Airways to get the additional 1,000 factors wanted.
Should you have been an present card holder on 18 June 2025 you’ll have gotten 500 free tier factors.
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September’s bank card particular presents
Amex presents elevated welcome offers on Gold and Platinum playing cards
Till 14 October there are boosted welcome presents for the Platinum and Gold bank cards, doubling the conventional factors obtainable. We’ve coated these intimately in separate articles through the hyperlinks under.
Amex On a regular basis Cashback boosted by £35
The Amex On a regular basis welcome cashback price of 5% remains to be elevated to cowl the primary £2,500 somewhat than the standard £2,000. However an additional enhance is one other £10 on prime the primary time you utilize the cardboard.
Improve Amex Reward or Gold to Platinum for 50,000 factors
There’s additionally a proposal operating for present Reward or Gold bank card customers to upgrade to the Platinum. You’ll get 50,000 factors should you spend £6,000 within the first three months. These mixed 56,000 factors are price £280, and also you’ll get the opposite perks and credit obtainable. Bear in mind there may be that £650 annual payment.
Ongoing presents
The next are nonetheless all obtainable, however coated intimately in earlier updates. Hit the hyperlinks for extra info.
This month’s greatest bank cards
As all the time when speaking about bank cards the most effective bank card for you’ll rely in your credit score report and why you want one. Be sure you learn my rules for having and applying for a credit card.
However assuming you’ve obtained an ideal credit score report, don’t want one to clear present money owed and can clear the stability fully every month, these are my prime picks:
