Maximise your Avios, air miles and hotel points

The 2-4-1 voucher with the Virgin Atlantic credit cards gets easier to use

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The Virgin Atlantic Black credit cards – issued by MBNA (Bank of America) – are a pretty good product.  They currently come as a double-pack of an American Express and a Visa card.  This model may not continue into the future as Amex fees on co-brand cards to UK retailers are now capped at the same level as Mastercard / Visa at 0.3%.

The annual fee is £140.  The representative APR is 57.4% variable, including the annual fee, based on a notional £1,200 credit limit.

The current sign-up bonus is 18,500 miles triggered with your first purchase.  This is increased to 21,500 miles if you are referred for the card.  Email me at rob at headforpoints.com if you would like me to send you a referral link. My Virgin Black review is here.

There is also a White card which is free and has a smaller bonus – my review of that card is here.

Two special benefits

There are two benefits for spending on the Black card

When you spend £5,000 on the Black American Express card, you will receive an upgrade to Premium Economy (for one person) when you redeem your Flying Club miles for an Economy class redemption. A 2nd voucher is available when you spend £10,000. These vouchers are issued at the END of your card year, not when you pass the spend target.

Spend £7,500 on the Black American Express card and you will receive a free ticket for a companion (taxes apply) when you purchase a full fare (booking class Y, B, R, L, U, M, W, S or J) cash flight. This voucher is issued as soon as you pass the spend threshold.

You receive the same benefits on the free White card but the thresholds are higher.  The upgrade vouchers are issued at £10,000 and £20,000 and the free companion ticket is issued at £15,000.

It is the second benefit – the free companion ticket – that I want to look at today.

My main criticism of this card was that the free companion ticket was fundamentally useless since very few people buy full fare cash tickets.  I know that some people got this to work in certain circumstances – you could occasionally find Premium Economy fares that qualify for a few hundred pounds more than the cheapest cash ticket – but this required some knowledge of the Virgin ticketing system and good timing.  In any event, unless you needed flexibility, your second ticket would still not be ‘free’ because the ticket you bought would cost more than the cheapest available one.

There has now been some movement on the voucher rules.

The new terms and conditions now say this:

(A full fare qualifying flight are those tickets purchased in booking classes: Y, B, R, L, U, M, E, Q, X, W, S, H and J. Companion rewards cannot be booked online, only over the phone, so agents are able to explain the booking classes at time of booking.)

E, X, Q and H booking classes have been added.

H is a cheap (but not the cheapest) Premium Economy ticket bucket.  E, X and Q are Economy ticket buckets.

If you want to know how to book the cheapest ‘X’ class Economy and ‘H’ Premium Economy tickets, I strongly recommend reading this article on Flyertalk.  It will tell you everything you need to know.

In plain English, what does this mean?

It means that the 2-4-1 voucher with the Virgin Black and White credit cards now has a little more value.

To be honest, it doesn’t change much in Economy.  Because you still have to pay taxes on the 2nd ‘free’ ticket – and taxes make up a large % of the cost of an Economy ticket – you are still not getting a lot of value.

The main benefit seems to be for Premium Economy travellers.  You can buy one ticket in H booking class and get a 2nd one at a big discount, probably at least 75% off.  The cost of an ‘H’ ticket over the cheapest available Premium Economy ticket should not be that big.

PS.  These changes mirror the changes that Virgin made to the ticket classes which can be upgraded using miles.  I wrote about those changes back in February.


earns points from credit cards

Want to earn more points from credit cards? – April 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Comments (139)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Pid says:

    I was going to cancel my card today as now using my partners card, perhaps best to wait to see the changes.

  • Rajeh says:

    I think the Virgin upgrade voucher is one way. Am I right?

    • Pol says:

      It’s a return, although you can use it to book 2 people one way.

      • Rajen says:

        Where did you see this?
        I have been looking for a clear answer in TCs but nowhere it says the word “return”

        • Ben says:

          Trouble I found with the Virgin vouchers is they expire after a year, I’d have only ever used them if I couldn’t find a cheap Ex-eu J fair. I accumulated 3 of them but as it turned out I always found a cheap fare so they just got wasted.

          • Liz says:

            You only need to book within the year for a date beyond – I got Virgin to confirm this to me – we will be getting our vouchers early June.

        • laikaspacedog says:

          I’ve used them several times before and each voucher is for a return trip. You can split one voucher between two people for a one way trip, too.

        • Pol says:

          If you’re talking about the upgrades, not the companion, I’ve used them several times, one voucher; both as a return and as one way for 2 people.

  • David Butcher says:

    After the Avios devaluation, and living as I do well away from London, this card became of little use to me. I cancelled mine about two months ago to avoid another year’s fee; the latest increase would have made it even less attractive for me so for once I’ve made the right decision. For me, anyway – I realise others will have different circumstances. Horses for courses I guess.

    • Worzel says:

      We are in a similar position David.

      Apart from the obvious £45 initial(potential) gain, I wonder what the strategy behind this might be?

    • Regional says:

      Ditto.

      We fly only to Europe and were using it for business class (even though it’s a rubbish product) but it’s no use now with no free regional flights.

      We’ve started using Flybe now where we can and will only take out the BAPP again when we decide to do an infrequent trip to USA, Australia etc.

      I’ve asked Amex to offer us the free BAPP as many long standing Platinum card holders have as it would then be worth using again – we’ve had the Platinum card for 30 years so we’ll see what their response is.

      The problem we have now is between dumping BAPP and the IHG premium card being taken away (we churned that one) we have no decent cards with £10K target spend to use now and we’re back using our bank of scotland visa again!!

      • Alan says:

        Might be worth you both taking out the Lloyds card if you could each hit the £7k target for the upgrade voucher?

  • Brian says:

    Just wish Virgin would change its rules so that you can use the companion voucher with points rather than cash, same as BA.

  • David L says:

    Will they grandfather the £150 fee for existing members? If not, I presume we should all just refer our partners and cancel existing cards (once achieved 241) to take advantage of sign up bonus? In fact, I guess we should probably be churning these anyway…

    Interestingly in T&C it says Amex could bring forward your membership year where “…a different fee becomes payable…the membership year will run from the date the fee change took effect on our systems.”

    Doubtful they will apply this as don’t rememver that happening last time there was a fee increase.

    • Will says:

      for the gold card increase from £125 to £140 it was only for new card signups. Those who had the gold card already stayed on £125 (and 7500 bonus MR’s rather than 10,000).

      I imagine those on £150 will remain on that level based on the above. Its more a case of if you want the sign up bonus’ I guess

  • Kip says:

    Re BA Amex, can an existing supplementary card holder apply in their own name and get the sign-up bonus?

    • pauldb says:

      Yes. You can even refer your supp card holder and get the double-bonus (as long as they haven’t had their own BA Amex card for 6 months).

      • luke says:

        6 months loosely enforced in my view…I churn it every couple of months and have had no prob getting welcome bonuses so far

        • Mr Fluff says:

          I had a premium card, which I ‘downgraded’ to a free one after hitting getting the bonus and 241 voucher, and still got the sign up bonus on the free card. If I upgrade it to premium again after a few months am I likely to get the sign up bonus again, or should I cancel the free one and reapply separately?

          • Rum says:

            Would be interested to know hoe you applied for the basic card in order to get the bonus target again. Did you do it online with Amex or over the phone with them?

    • Rob says:

      Yes, not a problem.

  • Chris says:

    I’ve just been on the phone to Amex to cancel my gold card (time for a churn). I asked the question re my BAPP card and they said the only change is the fee and it doesn’t effect existing card holders. He commented they were in a meeting about it last week.

    I didn’t think to ask about if it effects renewals at the time.

  • James H says:

    If I remember correctly, the last time there was a fee for the Platinum Card had a fee increase from £300 to £450 per year, it DID affect me as an existing card holder.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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