Best first credit card for new UK resident?

Discussion in 'Air miles' started by TravelZork, Jul 27, 2017.

  1. UKNoobie

    UKNoobie Member

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    Emil, welcome to London! I too moved to London recently, in November ‘17 in fact, and applied for the Amex Gold in Feb ‘18. Did not manage to get auto-accepted, but did end up receiving it within 10 days after submitting some additional documentation (pay slips). Worth a shot if you have a good (by London stands) salary, and an existing banking history for a few months now! Let me know if you need a referral (although I’m not sure if that helps matters tbh) :)
     
  2. EmilB

    EmilB New Member

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    Thank you. I arrived in the UK last year in August so I almost have a full year of banking history with a few direct debits set up on my account plus I am registered on the electoral roll.

    Maybe I will try to apply for the Amex Gold card and see what happens.
     
  3. Darren0291

    Darren0291 Member

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    Hey!
    Feel free to use my referral link for the gold card....:)

    You will get;
    - 22,000 amex points instead of 20,000 points which can be transferred to loads of different point schemes
    - a brand new shiny gold AMEX card
    - 2 Lounge passes for airport use (one for you and one for the Mrs/Mr)
    - Discounted restaurants in the UK via Amex Taste Invites, 20% off
    - 1 point earned per £1 spent, 1.5 points for every £1 spent abroad
    - an extra bonus 10,000 points if spent £15,000 within one year
    - an extra 3,000 amex points if a supplementary card is taken out
    - my eternal gratitude

    You have been referred for an American Express Card. http://amex.co.uk/refer/darreenhde?CPID=100200078
     
    Last edited: Aug 22, 2018
  4. cathyb84

    cathyb84 New Member

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    If you'll be going abroad Halifax Clarity is excellent
     
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  5. JoeD

    JoeD Well-Known Member

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    I really should look into the Halifax Clarity.
     
  6. Darren0291

    Darren0291 Member

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    Is there much point tho? if you've got an amex you're better off using that and paying the 1/2% fee to reach the bonus....saying that i do have a fx fee barclays card
     
  7. JoeD

    JoeD Well-Known Member

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    Depends - I tend to apply for 4 cards a year so don't have too much trouble hitting the min spends. But yeah, if I was churning more aggressively I'd prob want to put every £ spend toward the mins.
     
  8. Darren0291

    Darren0291 Member

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    fun fact, did you know you could also get the starwood credit card along with both gold and the ba? - extra miles!
     
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  9. JoeD

    JoeD Well-Known Member

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    I did indeed (and currently have one), but just don't really like applying for too many cards or hitting Amex too hard. I know people who are MUCH more aggressive with it, without hurting their credit scores or relationship with Amex, but I'd rather be safe than sorry.
     
  10. Guillermo

    Guillermo New Member

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    Hi all,
    I arrived to London last week. I was considering to apply for some credit cards. My salary is good enough, but no credit history in UK. In Spain I have Amex Platinum (I didn’t cancel it yet), do you think I could get at least one charge Amex Gold or Plantinum now? Or is better to wait few months? Thanks!
     
  11. JoeD

    JoeD Well-Known Member

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    I would give American Express a ring and ask if they can take your existing relationship/credit history with them in Spain into account. Otherwise, I think I'd wait a little while first.
     
  12. UKNoobie

    UKNoobie Member

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    I'm not sure if it is the same with Amex Spain, but when I moved here from Singapore, when logged in to my Amex account, it gave me an option to 'transfer' a card - ie. Amex did a global credit transfer. It only works for 1 card until you build up a local credit history, but that should be enough to get you the Gold / Platinum!
     
  13. Darren0291

    Darren0291 Member

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    Feel free to use my referral link for the Gold :)

    You will get;
    - 22,000 amex points instead of 20,000 points which can be transferred to loads of different point schemes
    - a brand new shiny gold AMEX card
    - 1 point earned per £1 spent, 1.5 points for every £1 spent abroad
    - an extra bonus 10,000 points if spent £15,000 within one year
    - my eternal gratitude

    http://amex.co.uk/refer/dARREEAeFf?XLINK=MYCP
     
    Last edited: Mar 30, 2019
  14. Nico23

    Nico23 New Member

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    Agree with UKNoobie and everyone else mentioning the Gold Card. While it is difficult to get a credit card as a new resident, Amex Gold card was the easiest to get. All my colleagues got it immediately upon arrival to the UK. However this was the charge card so unsure if the standards have increased with the credit card. Depending on whether or not you were an Amex customer in your previous country of residence would facilitate.
     
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  15. WorldTravellerUK

    WorldTravellerUK New Member

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    MOST GENEROUS SIGNUP BONUS EVER - JUNE 2022: I would be delighted if you could use my referral link for your AMEX Gold, Platinum or any other card application (Choose your preferred card by going to the bottom of the page -> Explore other cards -> All cards)

    The Preferred Rewards Gold Credit Card
    • Earn 32,000 bonus Membership Rewards points when you spend £3,000 in your first three months of Card membership.
    • That’s enough for return flights from London to Marrakech and over 100 other destinations, including Paris, Milan or Lanzarote. Terms, taxes, fees and charges apply.
    • Transfer your points to 15 of the world's major frequent flyer programmes including British Airways, Virgin Atlantic and Iberia.
    • Earn 1 Membership Reward point for virtually every full £1 spent on your Card.
    • Enjoy two complimentary lounge visits a year at over 350 airport lounges globally.
    • Travel and shopping protection included when paying with your Card.
    • Up to $75 hotel credit and room upgrade when booking a minimum two consecutive night stay with Amex Travel. Available at over 350 hotels globally.
    • Annual fee: £0 for 1st Year (£140 from Year 2)

    The Platinum Card
    • Earn 45,000 Membership Rewards® points when you spend £4,000 within the first three months of Card membership.
    • Unlimited access to over 1,000 airport VIP lounges in 83 countries around the world.
    • Comprehensive travel insurance benefits for you, your immediate family, your Supplementary Cardmembers and their immediate family, from the moment you book with your Card.
    • Dedicated Platinum Travel and Concierge services to take care of travel plans, tickets or dinner reservations.
    • Points are redeemable for a wide range of products, vouchers, experiences, travel and hotel stays; visit membershiprewards.co.uk for more information. Terms, taxes fees and charges apply.
    • Earn 1 Membership Rewards point for virtually every full £1 spent.
    • Annual fee: £595
    British Airways Premium Plus Card (£250 annual fee) - 26,000 Avios!

    British Airways (free card) - 6,000 Avios!

    Just use my link here (remove spaces between "/" first): amex.co.uk / refer / aLEXaGivvB?XL=MIANS
     
    Last edited: Jun 8, 2022
  16. SibTT

    SibTT New Member

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    I do not understand and how to do better?
     
  17. UKNoobie

    UKNoobie Member

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    Hi SibTT, if you sign up for an Amex card using one of the links in this forum, you will receive a bonus for being referred by an existing card member.

    For example, if you use the link below, you will get 22,000 Amex points, instead of the 20,000 usually provided.

    http://amex.co.uk/refer/ishancerrb?XLINK=MYCP

    That transfers to 22,000 miles with several airlines, including BA and Singapore Airlines.
     
  18. Blayne09

    Blayne09 New Member

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    Amex Gold Card or try the BA Premium Amex Card
     
  19. vicvic

    vicvic New Member

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    thank you for your advice, do you have any other suggestions?
     
  20. paorb156

    paorb156 New Member

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    The Amex really is the way to go at your circumstances!
     

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