11,340 Avios for getting the FREE & ‘no FX fees’ Post Office credit card

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On Tuesday, I wrote about the generous new sign-up bonus of 500 Clubcard points when you join cashback site TopCashback via a referral.

The core benefit of TopCashback for Avios or Virgin Flying Club miles collectors is that you can convert up to £50 of cashback each year into Tesco Clubcard points. They even give you a 5% bonus for doing it! That £50 of cashback will therefore earn you over 12,000 Avios points, which is a far better deal than taking your cashback as money.

By coincidence, there is one very good deal on TopCashBack at the moment which can get you very close to this £50 target in one go. It is also a deal that will continue to make you money throughout the year.

I published this article on credit cards which do not charge foreign exchange fees a couple of weeks ago. Whenever you use 99% of UK credit or debit cards abroad, an extra 2.99% fee is added. This is a poor deal, even if you are earning reward points for the transactions.

There are a handful of cards which do NOT have this 2.99% fee. The Post Office credit card is one of them. If you take out this card and use it abroad, you will save 2.99% on every transaction you make. No, you won’t be accruing any miles or points, but you will be saving a lot of real money.

The Post Office credit card is FREE. More importantly, TopCashback is currently offering £45 cashback if you take it out.

Transfer this £45 to Tesco Clubcard and you should receive, with the 5% bonus, 4,725 Clubcard points. That will get you 11,340 Avios points or 11,812 Virgin Flying Club miles.

This is our refer-a-friend link to TopCashback. This article from Tuesday has some more information on them. Once you have signed up, you can use their link to click through to the Post Office credit card application page.

IMPORTANT: Note that you must be accepted immediately in order to receive the TopCashback cashback. If your card application is NOT accepted immediately, then TCB will not be paid. I would therefore only apply if a) you have lived at the same address for three years and b) have not had any credit issues in the past and c) are on the electoral register. This maximises your chances of immediate acceptance.

Want to earn more points from credit cards? – December 2021 update

If you are looking to apply for a new credit or charge card, here are our November 2021 recommendations based on the current sign-up bonus.

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and an Economy 2-4-1 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee 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 Gold

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

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express

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

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending: