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The fee-free card lines up rewards one Avios point for every pound you spend, and 9,000 bonus points when you spend £1,000 in your first three months of membership.

You will earn 1.5 Avios points for every pound you spend on the Amex card, although there is a less attractive reward rate on the Mastercard that is also provided.

On the Amex card, you will receive six months of double Avios points up to a maximum eligible spend of £2,500 per month.

Representative APR (variable): 17.9pc Interest free purchase period: 12 months on Emirates flight purchases Interest free balance transfer period: up to six months (2pc handling fee) Welcome bonus: 5,000 or 12,000 Skywards miles Annual fee: No This account provides you with both an Amex and Visa card to make sure you can pay in the maximum number of locations, but at one air mile per pound spent the Amex card is the better option for spending.

The 12,000 mile welcome bonus kicks in if you spend £1,000 within 90 days of the account opening, but generally this account requires big spends to earn reward flights.