Hi Andy, where you are referring to a “first” card, do you mean that you have that card and use it, then shut it down and move on to the next, or do you have two cards on the go at once to maximise bonuses?

Hey Andy love the videos. Thank you for the education - looking likely I will have around 100,000 avios points by the end of the year. Do you know where you can travel to in business class /first for two people from the UK > 3hour flight?

Hi Andy, great content. I've had an amex for 5 years (platinum cashback credit card). What would be the card you would look to move onto if you were in my shoes? Also I have £140 cashback due in March, if I change cards, do I lose that? Thanks, James

Are the free for one year cards(nectar and gold) free again after 2 years of not having it like the newcomer bonus or just free for the first time and will cost from then on regardless of how long youve not have the card?

I have an Everyday Platinum. I got it years ago. I don't use it for much, as I have a 1% cashback debit card. I use my American Express for transactions where I want a credit card for protection.

@BeCleverWithYourCash

Жыл бұрын

Just make sure you’re spending at least £3k on the card each year or you won’t get any cashback

Hey Andy thanks a ton for such 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 high chance). Thank you so much for all the awesome content

With the free ba amex card what cards can I upgrade to trigger bonuses?

Appreciate all of the help but just a bit of constructive criticism would be that it's a little hard to follow your video without constantly rewinding and rewatching, I think speaking a little slower and perhaps repeating the more complex/loaded statements a couple of times would help

Great content Andy. Any idea when the booster will come along? I only want the Gold for travel points with Emirates. Don't need nectar points so wanted to start with that one.

@BeCleverWithYourCash

Жыл бұрын

They vary through the year. Right now there’s one for the BA Amex Premium Plus until mid Feb, so maybe spring? I’ll do a video when there is one

Andy, Thanks for your video on this, helpful as ever! I have a quick question, I have recently signed on for the American Express Platinum card which is on offer right now of 60000 points if you spend 6k in the first 6 months. I'm planning on closing the card early once this 6k has been spent switching the points to nectar. My next plan would be for the British Airways platinum amex which offers 30000 points if yo spend 3k in first 3 months, closing that after that period and then doing the same with he nectar points. Once this is done I'll have accumulated over 100,000 points and I'll more to the £0 British airways card and keep that. Do you think this would be a good strategy? Many thanks in advance

@TGFPROGAMER

11 ай бұрын

You can only get 1 Amex offer , you can’t just close the account and open another card to get the new bonus offer. You won’t receive a second offer if you have held an AMEX card with the previous 24 months

Hey people, a very beginner question: what Andy said was that some cards don't rule you out of the eligibility of getting other welcome bonus, but if I scroll down the page of any card on AMEX website, there's always a section saying "I understand that I will not be eligible for any welcome bonus offer if I hold or have held any personal American Express Cards in the past 24 months." This sounds like any card in 24months will rule you out of another welcome bonus of any card, regardless of the card you get. Can anyone help me understand? Thanks!

@garlicnaan1

5 ай бұрын

This is true

I currently have an Amex gold with my partner as a supplementary cardholder. I have now started paying the annual fee of £160. If I cancel and my partner sets up her own, will she get the sign up bonus if I refer her?

Great video can you talk about the black amex for British audience to obtain one.

Would you recommend BA Amex Free card as a first credit card? Or should I start with a Tesco Foundation or Aqua card for credit building? I know people that have had BA Amex as their first card and have been accepted. Is there a disadvantage to starting with the BA Amex card?

@jonathanlam4994

3 ай бұрын

Late, but I started with a Tesco foundation card, and just picked up the BA card after a couple months. I like the Tesco one just for the free credit tool.

ifwant to take advantage of the current sign-up bonus for platinum but ultimately want to switch to a gold preferred card in 4 months (after unlocking the bonus), what's the best way to keep my points alive and transfer those over to my then new gold card? thanks

@BeCleverWithYourCash

Жыл бұрын

As long as both accounts are open at the same time (crossover) they should be linked , but it’s worth checking before cancelling the Platinum

Hi Andy, I have a gold rewards preferred card, what should I do in terms of order?

@joshfairweather08

Жыл бұрын

I have this and my next plan is the BA Amex, after this I won’t qualify for any Amex bonuses unless I got the Platinum at £575pa I believe. So I’ll probably look to pick up a Barclaycard Avios

Hi Andy, I had the AMEX nectar card (got the welcome bonus as never had an AMEX before). Cancelled it just before my 1 year anniversary as I didn’t want to pay the £25 fee. I’ve just ordered and received the free BA Amex card through a referral link who also has the same card. He gets 8000 avios points through me signing up. Do I still get avios points through using his referral link, as I have had an AMEX card in the past 24 months? Confident I can meet the spend threshold.

@Lucy-td1gy

Жыл бұрын

I basically wanted a no fee card, and I don’t spend loads on a credit card so hence why I went for the free one

I’ve had the Amex Platinum Cashback Everyday Card for approximately 2 years. I’d be interested in getting the Amex Nectar card though. Any advice?

@BeCleverWithYourCash

Жыл бұрын

It depends how much you spend. I’d say you’d be better off with the Nectar, though check out my video on the BA Premium Plus offer running until mid Feb

thank you for the great content andy! I unfortunately jumped quite quick into getting a preferred rewards gold card at the back end of last month as it was one of the better welcome bonuses at the time. What is the advice with this one prior to the charge kicking in on the anniversary in 12 months time? Many thanks :)

@BeCleverWithYourCash

Жыл бұрын

Use it for a year, then once the fee comes in cancel it, but make sure you’ve opened up a Reward card in the meantime to keep the points active

@jackbannister2520

Жыл бұрын

@@BeCleverWithYourCash thank you Andy, Amex confuses me, what I can/can’t do after this preferred rewards gold, my plan is to use the Avios points for travel so not sure what my best plan of attack is really

@joshfairweather08

Жыл бұрын

@@jackbannister2520 You can still get the welcome bonus on the BA Amex Prem Plus but not the regular BA Amex. This is my plan after the Gold card.

@joshfairweather08

Жыл бұрын

@@jackbannister2520 After this you can apply for a Barclaycard Avios/Plus

Hi Andy, what AMEX card would you suggest to someone who has held the AMEX Preferred Gold Card in the last 24 months and can no longer receive most welcome bonuses?

@BeCleverWithYourCash

Жыл бұрын

If you can get the Ba Amex Premium Plus welcome I’d go for that - check out my video from a few weeks ago on it

@clintmckellar

Жыл бұрын

Great video, question is valid for me so appreciate the asking and answering.

I'm going to USA in April I've got a Chase and Revolut card which should I take or should I take another?

@BeCleverWithYourCash

Жыл бұрын

I’d look at a specialist fee-free credit card kzread.info/dash/bejne/h2Z-w6iMg9aadKg.html

Hey Andy, I got the platinum last year to get all the perks and now it’s time to cancel but instead I tried to downgrade to gold but they wouldn’t let me. They said it’s because I haven’t had the platinum for long enough. The other option was to get the gold, then cancel the platinum so I don’t lose my limit and points however I didn’t qualify… So now my only option is to cancel the card and wait some time till I’m eligible for the gold again. Do you know how long that would take? Thanks!

@BeCleverWithYourCash

Жыл бұрын

There’s the free reward card - did you check eligibility for that?

Andy, thanks for the helpful content. After triggering the 70k BA Avios bonus, how long should I wait to downgrade the card? I’d like to minimise the pro-rata fee but not jeopardise the 70k points. Many Thanks 👍

@joshfairweather08

Жыл бұрын

Once they credit

@Stufluert

Жыл бұрын

Thanks @@joshfairweather08, when you say credit, does that mean when it shows up in the amex app or BA account? I was thinking they might take them away when I tried downgrading. I'll keep an eye on the account, I might just convert them to Nectar asap to hide them away. Cheers

@joshfairweather08

Жыл бұрын

@@Stufluert They won’t take them away, just make sure you hit the spend threshold in the time period, and allow the points to hit the account. From the BA website: “Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.” So simply wait until the Avios points hit your account and then downgrade. They can’t take the bonus off you once you have met the criteria.

@Stufluert

Жыл бұрын

@@joshfairweather08 Top man, I appreciate your help with that 👍

@joshfairweather08

Жыл бұрын

@@Stufluert no worries!

Hi Andy my son has just got his first Amex (Gold) card, not as yet used it, however I should have referred him, I understand this cannot be done retrospectively butI assume he can cancel and we can use my account to refer him?

@hopkinsmarcus

Жыл бұрын

Did you try doing the cash hack program yet i did cash hack just some days back and I got paid £20,000 in just some hours

Hi, I'm looking at getting my first credit card with Amex. The one I'm looking at has a fee. You mention in this video about the fee being refunded pro-rata if I meet the trigger for spending the required amount. Got a couple of questions on this: 1. Do you pay for the fee upfront or when the year finishes? 2. How can I avoid paying the fee? Thanks

Hey Andy I’m a 20 year old with a decent job who hasn’t owned a credit card, I use a Lloyds debit card and I’m trying to save up for a mortgage however without a credit score it’s a lot harder to get a decent loan which credit card would you suggest for me. I’d probably use it to pay my rent monthly to raise the credit score would could really use some advice as they never teach this stuff in school

@financebykilolu

11 ай бұрын

It is sad that this is not taught at school! If you have a Credit Karma account, you should be able to see which cards you will be pre-approved for. You may not be able to use a credit card to pay your rent, but it is certainly worth checking

Does BA amex credit card ( no annual fee ) give You centurion lounge access ?

@gauchero

9 ай бұрын

It does not, no

hi could you review billhop ?

Are the platinum cashback everyday (£0 yearly fee) cards made of metal?

@REDNBLUEBROS1337

5 ай бұрын

They aren’t no

hey Andy, is it a must i borrow money with my credit card ?

@hopkinsmarcus

Жыл бұрын

Did you try doing the cash hack program yet i did cash hack just some days back and I got paid £20,000 in just some hours

@financebykilolu

11 ай бұрын

it is good getting used to using credit cards for your purchases and paying off the FULL balance every month. This will help improve your personal credit

Is it a good idea to pay monthly bills(tax,electricity etc) on amex card ?

@financebykilolu

11 ай бұрын

The more you can use an AMEX card and pay off the FULL balance, the better, as you will be rewarded. The AMEX gold card is the most rewarding in the UK

@atubay1

11 ай бұрын

@@financebykilolu 😊

Yeah, a business credit card is what I'd love to see review on

@financebykilolu

11 ай бұрын

Yes, especially as the AMEX Gold business card is the most rewarding card in the UK 🤩🤩

Pro rata refund sadly has been git rid of

Hi Andy. I currently have the Gold Amex card and just about to hit the £3000 spending to get the 20,000 points. Am I right in thinking I can’t now take advantage of the British airways card?

@joshfairweather08

Жыл бұрын

You can get the Premium Plus Amex and get the bonus, and then downgrade to the regular BA card after you hit the spend threshold. That’s my plan after I’ve gotten my bonus on my Gold Amex

do you have a video/ could you do a video on the best travel credit cards in the uk?

@BeCleverWithYourCash

Жыл бұрын

kzread.info/dash/bejne/h2Z-w6iMg9aadKg.html

So if I already have the Ba Amex plus-I’m not eligible for Amex platinum?

@BeCleverWithYourCash

Жыл бұрын

No, you can get the bonus on that as long as you’ve not had the Gold or Reward (or Plat) in the last two years

Could you do a business credit card video if possible please, I have Capital on tap business I am thinking to move to AMEX business card

Hi Andy. If I get the BA premium plus card now to take advantage of the current 70000 Avios welcome offer, can I then also get the platinum card welcome offer assuming it’s boosted to 60000 Amex points later in the year? Or is it one or the other? And do you know when the Platimum card had their first boosted welcome offer last year please?

@BeCleverWithYourCash

Жыл бұрын

Yes you can get both as long as you’ve not had the cards that rule them out.

Do you think Chase UK will launch a reward credit card in a year or two to compete with Amex?

@BeCleverWithYourCash

Жыл бұрын

I’d expect them to launch a credit card at some point, but who knows what it’d offer, if anything

Am I missing something here? Because BA Amex Premium Plus is boosted from 25,000 to 35,000 bonus Avios until 21 February 2023. Where did you get the 70,000 Avios from?

@BeCleverWithYourCash

Жыл бұрын

Explained in this video kzread.info/dash/bejne/pX-hmdmjddi0k5M.html

@GeorgesFreiji33

Жыл бұрын

@@BeCleverWithYourCash thanks for pointing it out! I was about to miss out

Hi Andy, sorry if this was mentioned in the video but could i get the British Airways Premium Plus card now as it has a boosted offer and still be eligible for the nectar card welcome bonus later?

@BeCleverWithYourCash

Жыл бұрын

No, sorry

@joshfairweather08

Жыл бұрын

You can get the BA Prem Plus and then the Gold Amex and still be eligible. Just cancel the Gold before the annual fee in the 2nd year

Hi Andy, which credit card would you recommend for someone who doesn't have that many expenses? I'd love to take advantage of the welcome offer, but as someone who is only supporting himself, I normally only spend less than £500 a month, which gets me no where near many of the spending requirements for the bonuses. (I should add that I do currently use the Chase card, but my 1% cash back offer ends in a month or so, and so am after a replacement)

@spartacusptolemaida

Жыл бұрын

since you're not a big spender, sounds like you won't be hitting the welcome bonus offer so there's no point in getting a gold-platinum or more premium cards with annual fees. in my opinion a platinum everyday cash back sounds like a good bargain for you. (not financial advice) just my humble opinion.

@financebykilolu

11 ай бұрын

If you do not spend a lot, a way around this would be to pay for friend's and family's big expenses and ask them to give you the cash in order to pay off your AMEX card

If I’m closing my gold card (and taking the BA offer) should I convert my points to avios first?

@kishanpatel5102

Жыл бұрын

Definitely or you will lose the points

@BeCleverWithYourCash

Жыл бұрын

Yes, or as explained in the video open up a Reward card

hi andy ,for the BA preimium card 70k bonus , if i spend 3000 in a month and cancel do i still recived the bonus ? to avoid the fee

@BeCleverWithYourCash

Жыл бұрын

Yes you do

@alaricparker2174

Жыл бұрын

@@BeCleverWithYourCash thanks for the reply, but just to confirm for the BA preimium if i spent 3k in lets say a month then downgraded to the free BA card i would still get the bonus 70k but the fee would be reduced even further than you mention (lower than 60 ish) ?

Is Andy wearing makeup today?