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Credit Cards

You might not know about Avios, but these airline points could help you save on your next U.S. flight

Avios points can be used for flights on U.S. airlines, including American and Alaska.

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An American Airlines plane lands at the Miami International Airport on June 16, 2021 in Miami, Florida.
Joe Raedle | Getty Images

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

One of the best ways to earn large amounts of points and miles is through credit card welcome offers. And now that a sense of normalcy is returning to travel, credit card companies are shelling out huge welcome offers left and right to entice new customers.

This is a great opportunity to earn valuable rewards, such as Avios points. Avios can be earned and spent in three different airline programs, including Aer Lingus, Iberia and British Airways. Within each program, they will have slightly different values as they each have their own award chart.

However, these points are redeemable on a large number of airlines, including American Airlines and Alaska Airlines. Avios are an extremely versatile loyalty program currency that can save you thousands on airfare when used correctly.

Select analyzed how consumers can earn Avios points and some of the best redemptions available.

How to earn Avios points

If Avios points are what you want to earn for your next adventure, there are ample opportunities to do so — especially with Chase's newest offer. 

You can earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening on three different cards, such as the British Airways Visa Signature® Card (see rates and fees), Aer Lingus Visa Signature® Card and the Iberia Visa Signature® Card.

This bonus is extremely valuable as you can use Avios on a number of different airlines, including: American Airlines, Alaska Airlines, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LATAM, Malaysia Airlines, Qantas, Qatar, Royal Jordanian, S7 Airlines and SriLankan Airlines.

It's important to note that Aer Lingus is not part of the Oneworld alliance, so you can't book flights on American or Alaska with Aer Lingus Avios. However, you can transfer Aer Lingus Avios to British Airways Avios or Iberia Avios to book Oneworld flights (including Alaska and American) on partner airlines

The co-branded cards are not the only cards you can earn Avios with, as you can directly transfer select credit card rewards points to the different Avios loyalty programs.

American Express credit cards

With American Express cards earning Membership Rewards, you can transfer your points at a 1:1 ratio to the loyalty programs of British Airways, Iberia and Aer Lingus.

American Express Platinum Card®

The American Express Platinum Card is a travel card built for luxury travel. With benefits such as airport lounge access, multiple travel credits, automatic hotel loyalty program status (enrollment required) and more — this card packs a punch. 

New cardholders may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership*. However, the card was recently refreshed with new benefits and a $895 annual fee. (see rates and fees)

American Express® Gold Card

The American Express Gold Card is an excellent card for foodies to earn heaps of rewards on groceries and dining out.

With this card, you earn: 4X points for every dollar spent at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year) and at U.S. supermarkets (up to $25,000 per year; then 1X points for the rest of the year), 5X points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App, 3X points for every dollar spent on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines, and 1X for every dollar spent on all other purchases. Terms apply.

The American Express Gold Card is currently offering as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership*.

The Blue Business® Plus Credit Card from American Express

If you are a business owner, applying for a business card is an excellent way to earn additional rewards.

The Blue Business Plus from American Express is simple, yet effective in its two spending categories: Earn 2X Membership Rewards® points on every dollar spent on everyday business purchases up to $50,000 per year, then 1X point per dollar after. Terms and limitations apply.

It also comes with a 0% introductory APR on purchases for 12 months from the date of account opening (after, 16.74% - 28.49% variable; APR will not exceed 29.99%), and no annual fee. (see rates and fees)

American Express® Green Card

The American Express Green Card is a great mid-tier travel card, without a back breaking annual fee.

When using the card, you will earn 3X Membership Rewards® points on eligible travel, transit and at restaurants worldwide and 1X Membership Rewards® points on all other purchases. It also comes with a decent welcome offer where you can earn 40,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership

Chase credit cards

When you spend on Chase credit cards, you will earn Chase Ultimate Rewards®. These can be transferred at a 1:1 ratio to British Airways, Iberia or Aer Lingus' loyalty program. 

Chase Sapphire Reserve®

The Chase Sapphire Reserve is another travel credit card built for luxury travel. It comes with a $300 annual travel credit, TSA PreCheck/Global Entry statement credit, airport lounge access and extensive travel insurance protection. (See rates and fees)

As you spend on the card, you will earn 8X points on all purchases through Chase TravelSM, including The EditSM and 4X points on flights and hotels booked direct. Plus, earn 3X points on dining worldwide and 1X for every dollar spent on all other purchases.

If you are approved for the card, you can earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred (See rates and fees) is a fan-favorite among many in the travel rewards community. It comes with less benefits compared to the Sapphire Reserve, but it still delivers great value. 

You will earn 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. In addition, the card is currently offering 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. The card has a modest $95 annual fee.

Avios cards

If earning Avios directly with the airline programs is of interest, than consider either the British Airways Visa Signature Card or the Iberia Visa Signature Card.

Both cards are currently offering outstanding welcome offers, and each have solid benefits, including: no foreign transaction fees, 10% discounts on flights on their respective airlines, decent spending categories and modest $95 annual fees.

CNBC Select Rating
4.5

Spotlight

The British Airways Visa Signature® Card is currently not available on CNBC Select but you can check out our marketplace to compare offers from other issuers including American Express and Citi

Credit score

N/A

Regular APR

See terms

Annual fee

See terms

Welcome bonus

See terms

*See rates and fees, terms apply. Information about the British Airways Visa Signature® Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.

Credit score

Good to Excellent670–850

Regular APR

20.74% - 27.74% variable

Annual fee

$95

Welcome bonus

Earn 75,000 Avios

Member FDIC. Terms apply. Information about the Iberia Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

The Iberia Visa Signature® card has a valuable welcome bonus and offers a surprising level of flexibility because you can move points to other airlines that are part of the Avios rewards program.

  • Avios points can be transferred to many airlines including Aer Lingus, British Airways and Qatar
  • 10% off Iberia flights
  • High spending requirement to earn the $1,000 airfare discount voucher;
  • Low return for most spending

Rewards

  • Earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.

Balance transfer fee

5%, minimum $5

Marriott Bonvoy credit cards

If you regularly visit Marriott Hotels, a Marriott Bonvoy credit card may be a great option for you. With Marriott Bonvoy points, you can transfer them at a rate of 3X Bonvoy points to 1X Avios point. It is advantageous to transfer at least 60,000 Marriott Bonvoy points at a time as you will earn 5,000 additional Avios on top of the 20,000 you will normally receive.

Marriott Bonvoy Boundless® Credit Card

The Marriott Bonvoy Boundless® Credit Card is an excellent choice for travelers who enjoy Marriott properties, without a large annual fee.

New cardmembers can earn up to 4 Free Night Awards (each night valued up to 50,000 points; certain hotels have resort fees) after qualifying purchases.

The card earns heaps of Marriott Bonvoy points. You can earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations and dining. Plus, earn up to 17X total points for every $1 spent at thousands of participating Marriott Bonvoy® hotels with the Marriott Bonvoy Boundless® Card. The card has a $95 annual fee.

Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card also lets you earn Marriott Rewards points across different spending categories.

You can earn 6X Marriott Bonvoy® points for every dollar spent eligible purchases at hotels participating in the Marriott Bonvoy® program, 3X Marriott Bonvoy® points for every dollar spent at worldwide restaurants and on flights booked directly with airlines and 2X Marriott Bonvoy® points for every dollar spent on all other eligible purchases.

And new cardholders can earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months and an extra 50,000 bonus points after you make an additional $2,000 in purchases within the first 6 months.

The card also comes with up to $100 property credit for qualifying charges at Marriott, The Ritz-Carlton® or St. Regis® properties on stays of two nights or more, one complimentary night at any Marriott property at or under 85,000 Bonvoy points at hotels participating in the Marriott Bonvoy™ program, a TSA PreCheck® or Global Entry statement credit, and up to $300 in dining statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.

The annual fee for this card is $650 (see rates and fees), but when you take advantage of the benefits, they can outweigh the fee.

Terms Apply.

Best use of Avios points

1. U.S. short-haul nonstop flights on American Airlines/Alaska Airlines

It can often be a better deal to book American or Alaska Airlines flights with Avios than the airlines' own loyalty currencies. For only 9,000 British Airways or Iberia Avios, you can get yourself on a one-way flight about half-way across the country with flights patterns such as:

  • Los Angeles (LAX) to Salt Lake City (SLC)
  • New York City (NYC) to Boston (BOS)
  • Phoenix (PHX) to Dallas (DFW)

For the flight to be a modest 9,000 Avios, the flight distance must be under 1,150 miles. But if you want a more comfortable flight in business class, it will only be 16,500 Avios. Hint: A great route for this is NYC-MIA in lie-flat business seats on select American Airlines aircraft.

There will be a $5.60 tax on each domestic flight booked with Avios.

2. Spoil yourself with lie-flat seats from New York to California on American Airlines

If you want to enjoy a bit of luxury on a longer flight, you can book a first class ticket on American Airlines using Avios.

For a first class seat, it will run you 51,500 Avios. For a small downgrade, you can fly in business class for 38,750 Avios.

American airlines jets made by Embraer and other manufacturers sit at gates at Washington's Reagan National airport as the novel coronavirus (COVID-19) pandemic continues to keep airline travel at minimal levels and the U.S. economy contracts in the first quarter at its sharpest pace since the Great Recession, in Washington, U.S. April 29, 2020.
Kevin Lemarque | Reuters

3. Florida and U.S. West Coast to Ireland for 16,250 Avios on Aer Lingus

While this is for off-peak pricing, it is still a great deal to make your way over to Ireland. And to top it off, there are no fuel surcharges. You can even get slightly lower prices when flying from the Northeast, including Boston and New York.

4. U.S. East Coast to Europe on British Airways

If you wish to go over the pond to Europe on Avios, you are in luck. A one way flight from the East Coast to Europe start at 13,000 Avios on British Airways during off-peak dates. Prices increase when flying deeper into the continent.

Keep in mind there are significant fuel surcharges that will apply to this award booking if booked on British Airways.

5. U.S. West Coast to Hawaii on American Airlines/Alaska Airlines

If a sandy beach and fresh coconuts are on your mind, you can fly from the West Coast to Hawaii for 13,000 Avios in economy. There will be a small $5.60 tax with each flight taken.

6. U.S East Coast to Spain in business class

When using Iberia Avios points, you can book business class flights aboard an Iberia aircraft to Spain for as little as 34,000 Avios one-way during off-peak dates. Eligible routes include New York, Boston and Chicago to Madrid.

Bottom line

Avios are a valuable airline program currency to have. While Avios are mainly associated with international airlines, they are still incredibly valuable for American consumers. 

However, don't silo yourself to only one loyalty currency. There is nothing wrong with diversifying your efforts into specific airline loyalty programs, as well as hotel programs. The more points you can earn, along with diversifying your earnings across the board, the more you will save on your overall travel costs.

For rates and fees for the American Express Platinum Card®, click here

For rates and fees for Blue Business Plus Card, click here

For rates and fees for Marriott Bonvoy Brilliant Card, click here

Information about the American Express® Green Card, Marriott Bonvoy Boundless® Credit Card, Aer Lingus Visa Signature® Card and the Iberia Visa Signature® Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

*The American Express Platinum Card® and The American Express® Gold Card Welcome Offer: To view your personalized offer, you must first submit an application. If approved, you will: (1) receive your Welcome Offer details, (2) have the option to accept the Card with that offer, (3) be required to spend at least $8,000 ($12,000 for the Platinum) on eligible purchases within the first 6 months of Card Membership, and (4) earn Membership Rewards® points. Welcome offers vary and you may not be eligible for an offer.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Best ways to maximize your Avios points

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