Who should consider it?
A flexible rewards card with enhanced earning on airlines and Amex Travel, plus four airport lounge visits each year.
The headline points total is only one part of the decision. Work out whether you will naturally meet any spending target, how you plan to use the rewards, and whether the ongoing benefits outweigh the fee. Never spend more just to collect points.
What stands out
- Four Priority Pass lounge visits per year
- Up to £120 annual Deliveroo credit after enrolment
- Points transfer to airline loyalty partners
What to watch
The £195 annual fee begins from year two.
Representative example
Purchase rate29.1% p.a. variable
Annual fee£0 year one, then £195
Representative APR85.8% representative APR variable
Assumed credit limit£1,200
Credit limits and interest rates depend on the provider's assessment and may differ. Paying the balance in full each month avoids purchase interest, but any annual fee still applies.
Editorial note
Check the latest provider terms ↗Product facts were checked against the provider on 15 August 2026. Offers and terms can change. Verify all details on the provider's website before applying.