Double-dipping, explained: How to earn Avios and On Business Points at the same time

Nov 10, 2019

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This story has been paid for by American Express, but the opinions are those of the author and TPG. This is one way TPG continues to provide our readers with free news and advice about travel.

If you are a reader of The Points Guy U.K., chances are that you love earning miles and points. Whether that’s through actually travelling, shopping, via a credit card or the many other ways there are to earn miles to get you closer to that dream holiday, you understand the value to be had. Well, what’s even better than earning miles and points for everyday spend is earning miles and points twice over — for the same thing.

Welcome to double-dipping.

In a nutshell, double-dipping is being able to earn twice on the same transaction.  Whether that’s in different points currencies or via different points programmes, such as On Business Points and Avios.

The new British Airways American Express Accelerating Business Card allows double-dipping by allowing the cardholder to earn 1.5 Avios per £1 spent on every transaction they make on the card, as well as allowing the business the card is in the name of to earn 1.5 On Business Points per £1 spent on British Airways flights, when you pay with the card.

The traveller will then also earn Avios (and Tier Points), as is the case for any British Airways Executive Club Member, and when they take their eligible flight.

Looking at a specific example, you’ll only earn On Business Points for the base fare of an eligible flight, not the fees and taxes. This means that if you purchase an eligible British Airways flight on the card that has a £1,000 base fare and £200 of fees and taxes, if you were a Tier 1 On Business member, you would earn both 1,500 On Business Points (for the base fare spend) as well as 1,800 Avios for the purchase (for the full-fare amount) when you pay with the British Airways American Express Accelerating Business Card.

(Photo by Liam Spencer/The Points Guy)
(Photo by Liam Spencer/The Points Guy)

On Business Points are a very different currency from Avios, and we value them much higher at 3.3p apiece. To read more about how and why we give On Business Points this value, click here and check our latest monthly valuations.

So for that £1,200 flight with British Airways, you’d earn 1,800 Avios, which we value at £20 plus 1,500 On Business Points, which we value at £50 — tripling the value earned back from this transaction via the new card. And that’s before any Avios earned for taking the actual flight.

We love double-dipping, so we love this new card. Be sure to check out our full card review for full details on the card which comes with a bunch of other benefits and which we consider to be a game-changer in the UK business credit card market. You can apply for this card here.

The card currently comes with a welcome bonus of 2,200 On Business Points after spending £3,000 or more on purchases on the card within the first three months. Representative Example: APR 81.6% variable with an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. variable. There’s an annual fee of £210.

Featured image by Josh Gribben / The Points Guy

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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