# Avios

**URL:** <https://community.monzo.com/t/avios/5785>\
**Category:** Feedback & Ideas\
**Created:** [4 September 2016 09:13 UTC](https://community.monzo.com/t/avios/5785 "2016-09-04T09:13:24Z")\
**Posts on this page:** 20\
**Page:** 1

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**Author:** ![anon14396567](https://avatars.discourse-cdn.com/v4/letter/a/67e7ee/32.png) [@anon14396567](https://community.monzo.com/u/anon14396567)\
**Post date:** [4 September 2016 09:13 UTC](https://community.monzo.com/t/avios/5785/1 "2016-09-04T09:13:24Z")

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Linked up to Avios to earn points… I’m a big user of my Amex credit card and earn a lot of Avios points… Not being able to earn points through my Monzo card could be a deal breaker for me (despite the fact I like the features of the Monzo card).

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**Author:** ![anon86499730](https://avatars.discourse-cdn.com/v4/letter/a/ac8455/32.png) [@anon86499730](https://community.monzo.com/u/anon86499730)\
**Post date:** [4 September 2016 09:48 UTC](https://community.monzo.com/t/avios/5785/2 "2016-09-04T09:48:24Z")

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I have a BA AMEX but will more than likely ditch it in favour of Mondo entirely.

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**Author:** ![Jkb114](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jkb114/32/1385_2.png) [@Jkb114](https://community.monzo.com/u/Jkb114)\
**Post date:** [4 September 2016 10:00 UTC](https://community.monzo.com/t/avios/5785/3 "2016-09-04T10:00:15Z")

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Earning any form of rewards isn’t very common with a current account. Normally saved for credit cards.

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**Author:** ![anon14396567](https://avatars.discourse-cdn.com/v4/letter/a/67e7ee/32.png) [@anon14396567](https://community.monzo.com/u/anon14396567)\
**Post date:** [4 September 2016 12:41 UTC](https://community.monzo.com/t/avios/5785/4 "2016-09-04T12:41:22Z")

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Agreed re debit vs credit. Just a suggestion 🙂

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**Author:** ![anon84789570](https://avatars.discourse-cdn.com/v4/letter/a/da6949/32.png) [@anon84789570](https://community.monzo.com/u/anon84789570)\
**Post date:** [4 September 2016 14:02 UTC](https://community.monzo.com/t/avios/5785/5 "2016-09-04T14:02:41Z")

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I can’t stop using my Amex BA. Those miles do mean a lot when you are spending high. Just hope can pay Amex with Monzo soon!

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**Author:** ![walderston](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/walderston/32/955_2.png) [@walderston](https://community.monzo.com/u/walderston)\
**Post date:** [4 September 2016 14:09 UTC](https://community.monzo.com/t/avios/5785/6 "2016-09-04T14:09:30Z")

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you can already. I’ve paid off my Amex BA card with my :mondo: card

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**Author:** ![JamesBell](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jamesbell/32/190_2.png) [@JamesBell](https://community.monzo.com/u/JamesBell)\
**Post date:** [4 September 2016 15:04 UTC](https://community.monzo.com/t/avios/5785/7 "2016-09-04T15:04:50Z")

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As Josh says, card rewards are normally on credit cards - this is because credit cards charge a higher interchange rate to the merchants on payment and so the issuing card company can afford to pay a reward (or there are card fees to the consumer for higher reward cards e.g. the BA premium plus amex)

I wouldn’t expect straight cash rewards to be coming anytime soon - the money for that has to come from somewhere. This does raise the question of how will Monzo draw people who primarily spend on reward cards for the rewards (is better visibility on spend, budget control etc a good enough swing?)

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**Author:** ![anon90760360](https://avatars.discourse-cdn.com/v4/letter/a/5daacb/32.png) [@anon90760360](https://community.monzo.com/u/anon90760360)\
**Post date:** [5 September 2016 09:50 UTC](https://community.monzo.com/t/avios/5785/8 "2016-09-05T09:50:48Z")

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I still have one of the best rewards earning credit cards out there. The Diamond Club credit card, but BA is finally pulling the plug on it at the end of this month.

Diamond Club was the frequent flyer scheme of bmi, and airline that BA purchased in 2012 and merged into their mainline operation (except for regional which was sold to someone else and still uses the bmi brand and their low cost operation which was closed down).

Diamond Club was a very generous programme and surprisingly BA kept the credit cards around and allowed you to convert your bmi miles to Avios.

The Diamond Club credit card gives 2.5 miles/£ which is much better than the BA Amex with 1.5/£

It was good while it lasted and I’ll continue to make the most of it until the end of this month. After that, should I forget about loyalty credit cards altogether and just use Monzo? Tough call.

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**Author:** ![anon3031167](https://avatars.discourse-cdn.com/v4/letter/a/c77e96/32.png) [@anon3031167](https://community.monzo.com/u/anon3031167)\
**Post date:** [10 May 2017 23:37 UTC](https://community.monzo.com/t/avios/5785/9 "2017-05-10T23:37:28Z")

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I’m new on Monzo and pretty excited to use the card… any update on the Avios/rewards thread?  
Wouldn’t do BA any harm to be associated with an innovative company, given some of their latest choices and how they impact the brand (i.e. no longer free food on European flights, etc.)

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**Author:** ![Bruce](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/bruce/32/59147_2.png) [@Bruce](https://community.monzo.com/u/Bruce)\
**Post date:** [11 May 2017 06:20 UTC](https://community.monzo.com/t/avios/5785/10 "2017-05-11T06:20:04Z")

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100% agree I’d love BA to get involved with monzo. They’ve partnered with M&S may as well take it a step further 🙂

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**Author:** ![\_Colin\_W](https://avatars.discourse-cdn.com/v4/letter/_/94ad74/32.png) [@\_Colin\_W](https://community.monzo.com/u/_Colin_W)\
**Post date:** [11 May 2017 07:06 UTC](https://community.monzo.com/t/avios/5785/11 "2017-05-11T07:06:48Z")

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Isn’t every perk/benefit a cost/dis-benefit to someone else?

- The cost of the Avios scheme has to be paid for by higher ticket prices.
- The AmericanExpress rewards/cash-back come from higher fees paid by retailers, who in turn have to charge higher prices for their goods and services.

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**Author:** ![anon4686583](https://avatars.discourse-cdn.com/v4/letter/a/53a042/32.png) [@anon4686583](https://community.monzo.com/u/anon4686583)\
**Post date:** [23 November 2017 12:59 UTC](https://community.monzo.com/t/avios/5785/12 "2017-11-23T12:59:44Z")

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I love Monzo and have already migrated most of my DD’s, subscriptions etc. across to my new current account.

I also just paid off my amex using my Monzo card 🕶 and have cut up all my other pointless debit/credit cards…

BUT

As a frequent flyer with a BA AMEX I am finding it very difficult to resist the temptation to spend on AMEX since my Monzo current account does not earn me any points.

Appreciate that current accounts don’t run this kind of loyalty scheme and that’s fine but is there a plan to be able to add other cards to your Monzo profile so that spending velocity and category data can be aggregated across all cards?

Why do I care?

- IMO any spending categorisation and data visualisation is only truly useful if it captures all of your spending activity. Otherwise, it’s a vitamin insight, not a pill

- It’s unrealistic to think that Monzo customers will not have other cards

What does everyone else think?

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**Author:** ![WillP79](https://avatars.discourse-cdn.com/v4/letter/w/94ad74/32.png) [@WillP79](https://community.monzo.com/u/WillP79)\
**Post date:** [23 November 2017 14:54 UTC](https://community.monzo.com/t/avios/5785/13 "2017-11-23T14:54:39Z")

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Totally agree. I did think they were hinting at some kind of loyalty system, but it sounds more like selected cashback offers now.

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**Author:** ![anon4686583](https://avatars.discourse-cdn.com/v4/letter/a/53a042/32.png) [@anon4686583](https://community.monzo.com/u/anon4686583)\
**Post date:** [23 November 2017 15:31 UTC](https://community.monzo.com/t/avios/5785/14 "2017-11-23T15:31:33Z")

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It’s early days for partnerships so no massive deal in the short term but the issue of aggregating spending data across all your cards is a real one.

Apps like Bud are trying to do this and you can’t really be my financial control centre if I can only see/control my monzo spend.

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**Author:** ![jtame](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/jtame/32/84654_2.png) [@jtame](https://community.monzo.com/u/jtame)\
**Post date:** [23 November 2017 16:50 UTC](https://community.monzo.com/t/avios/5785/15 "2017-11-23T16:50:37Z")

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I use Amex too and use my CA card to pay of each transaction within the Amex app, its a little more work to pay off each transaction however it means you can put the spend into a category within the Monzo App 🙂

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**Author:** ![GalaxyMergirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/galaxymergirl/32/15976_2.png) [@GalaxyMergirl](https://community.monzo.com/u/GalaxyMergirl)\
**Post date:** [23 November 2017 17:33 UTC](https://community.monzo.com/t/avios/5785/16 "2017-11-23T17:33:21Z")

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I use my Amex to earn Delta SkyMiles… worth far more than Avios 😃

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**Author:** ![anon4686583](https://avatars.discourse-cdn.com/v4/letter/a/53a042/32.png) [@anon4686583](https://community.monzo.com/u/anon4686583)\
**Post date:** [23 November 2017 17:56 UTC](https://community.monzo.com/t/avios/5785/17 "2017-11-23T17:56:38Z")

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That’s a sik hack! 🤩

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**Author:** ![GalaxyMergirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/galaxymergirl/32/15976_2.png) [@GalaxyMergirl](https://community.monzo.com/u/GalaxyMergirl)\
**Post date:** [23 November 2017 18:01 UTC](https://community.monzo.com/t/avios/5785/18 "2017-11-23T18:01:40Z")

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> [@jtame](#):
>
> I use Amex too and use my CA card to pay of each transaction within the Amex app, its a little more work to pay off each transaction however it means you can put the spend into a category within the Monzo App 🙂

Be careful, Amex may not like that and see it as suspicious…

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<div class="post-metadata">

**Author:** ![anon4686583](https://avatars.discourse-cdn.com/v4/letter/a/53a042/32.png) [@anon4686583](https://community.monzo.com/u/anon4686583)\
**Post date:** [23 November 2017 19:00 UTC](https://community.monzo.com/t/avios/5785/19 "2017-11-23T19:00:43Z")

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Great if you fly Delta…

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**Author:** ![GalaxyMergirl](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/galaxymergirl/32/15976_2.png) [@GalaxyMergirl](https://community.monzo.com/u/GalaxyMergirl)\
**Post date:** [23 November 2017 19:01 UTC](https://community.monzo.com/t/avios/5785/20 "2017-11-23T19:01:41Z")

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Which I do, so it works 🙂 if you fly to the US they’re by far the best option

[Next page](https://community.monzo.com/t/avios/5785.md?page=2)
