Do your premium card and bank account actually pay for themselves?

Welcome: £500 welcome reward via qualifying salary/switch or savings/investments route.

Offer terms: Open before offer withdrawal. Within 90 days of opening, either complete a full CASS switch and pay in £100,000+ annual salary (FAQ equivalent £5,100/month), OR bring and maintain £100,000+ qualifying savings/investments (no CASS needed). UK resident 18+; no HSBC UK or first direct current account held on/after 1 January 2025. Staff-only/international-Premier-only eligibility excluded. One reward per person/account; paid within 70 days of meeting criteria while eligibility continues. FAQ: https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/promotions/premier-welcome-reward-faqs-revised-sept-26.pdf . Checked 18 October 2026.

• Aviva worldwide family travel insurance£200

Also includes: Health & wellbeing (digital GP), Travel extras & concierge, Dining & lifestyle credit

Offer terms: No public plan-specific welcome bonus verified. Annual billing is ordinary pricing, not a welcome offer. Selected customers may receive invitation-only paid-plan trials; partner-link promotions are not verified as combinable with this plan and are excluded from net value. Check your in-app invitation and terms. Checked 18 October 2026.

• Unlimited airport lounges£450
• Premium worldwide travel insurance£200

Also includes: Fee-free spending abroad, Dining & lifestyle credit

Welcome: £500 retained after qualifying Select/Reward switch and upgrade to Black; not a direct Black opening offer.

Offer terms: First open Premier Select or Reward from 2 September 2026 and qualify for full external CASS switch, then upgrade to Black. No NatWest current account held on 2 September 2026 or previous NatWest/RBS/Ulster switch cash. Pay in £15,000 total within 90 days (each payment stays 24 hours) and log into app; checked day 90, paid within 30 days while eligible account remains open. Direct Black applications do not qualify. Premier criteria and £39/month Black fee apply; joint-income-only qualification must be confirmed. Terms: https://www.natwest.co.uk/content/dam/natwest/premier/documents/premier-switch-offer-terms/NW-Premier-Switch-Offer-Terms-September-2026.pdf . No fixed end date; may be withdrawn. Checked 18 October 2026.

• Worldwide family travel insurance£250
• DragonPass Premier+ lounges£300

Also includes: Mobile phone cover, Breakdown cover, Health & wellbeing (digital GP), Travel extras & concierge, Cashback, rewards & interest, Fee-free spending abroad

Welcome: £500 retained after qualifying Select/Reward switch and upgrade to Black; not a direct Black opening offer.

Offer terms: First open Premier Select or Reward from 2 September 2026 and qualify for full external CASS switch, then upgrade to Black. No RBS current account held on 2 September 2026 or previous NatWest/RBS/Ulster switch cash. Pay in £15,000 total within 90 days (each payment stays 24 hours) and log into app; checked day 90, paid within 30 days while eligible account remains open. Direct Black applications do not qualify. Premier criteria and £39/month Black fee apply; joint-income-only qualification must be confirmed. Terms: https://www.rbs.co.uk/content/dam/royal_bank_of_scotland/premier/documents/premier-switch-offer-terms/rbs-premier-switch-offer-terms-september-2026.pdf . No fixed end date; may be withdrawn. Checked 18 October 2026.

• Worldwide family travel insurance£250
• DragonPass Premier+ lounges£300

Also includes: Mobile phone cover, Breakdown cover, Travel extras & concierge, Cashback, rewards & interest, Fee-free spending abroad, Health & wellbeing (digital GP)

Welcome: 50,000 Membership Rewards points after £6,000 eligible spend in the first 3 months.

Offer terms: New Cardmember Offer; no personal Membership Rewards-enrolled American Express Card held in the previous 24 months. Apply where the offer is promoted. Estimated £500 at 1p/point, not guaranteed cash; offers may be withdrawn. Checked 18 October 2026.

• Global Lounge Collection£450
• Worldwide family travel insurance£250

Also includes: Dining & lifestyle credit, Hotel elite status, Travel extras & concierge, Points / Avios earn

Welcome: 30,000 HSBC reward points after £2,000 eligible spend in the first 90 days.

Offer terms: Offer ends 1 December 2026. HSBC Premier customers only; card and welcome-offer eligibility apply. No new HSBC credit card or credit-limit increase in the last 6 months; current Student, Premier or World Elite cardholders excluded by application terms. Cash advances, fees, transfers, refunds and interest do not count. Estimated £150 at 0.5p/point. Checked 18 October 2026.

• Priority Pass membership£30

Also includes: Points / Avios earn

Welcome: 70,000 HSBC reward points after £2,000 eligible spend in the first 90 days.

Offer terms: Offer ends 1 December 2026. HSBC Premier customers only; card and welcome-offer eligibility apply. No new HSBC credit card or credit-limit increase in the last 6 months; current Student, Premier or World Elite cardholders excluded by application terms. Cash advances, fees, transfers, refunds and interest do not count. Estimated £350 at 0.5p/point. Checked 18 October 2026.

• Lounge access, no visit charge£300

Also includes: Points / Avios earn, Travel extras & concierge

Welcome: 5,000 Avios after £1,000 eligible spend in the first 3 months.

Offer terms: New to Barclaycard only. Existing card-change customers: 1,000 Avios after £1,000 in 3 months, not the headline bonus. Welcome bonus collectible once; moving between Avios cards does not earn another. Estimated £50 at 1p/Avios. Checked 18 October 2026.

• None of your selected perks.

Also includes: Points / Avios earn, Cabin upgrade / companion voucher

Offer terms: No public new-customer welcome bonus verified. Ongoing cashback is not a lump-sum welcome offer; eligibility and spending conditions apply. The current-account page could not be fully retrieved; check current details with Chase. Checked 18 October 2026.

• None of your selected perks.

Also includes: Cashback, rewards & interest, Fee-free spending abroad

Welcome: £200 when switching to a new qualifying Lloyds Premier account.

Offer terms: Open a new qualifying account 17 September–9 December 2026 and start full CASS by 9 December 2026. Transfer at least 3 already-active Direct Debits and close old account. No switches from Halifax/Bank of Scotland, account upgrades or prior Lloyds/Halifax/Bank of Scotland switching reward since 1 January 2023 (either joint holder). Paid within 14 working days of switch starting. Premier eligibility: £5,000/month pay-in or £100,000 qualifying savings/investments. Offer may be withdrawn. Terms: https://www.lloydsbank.com/current-accounts/switch.html . Checked 18 October 2026.

• None of your selected perks.

Also includes: Health & wellbeing (digital GP), Cashback, rewards & interest, Cashback, rewards & interest, Dining & lifestyle credit

Welcome: Up to £600: £450 switch bonus plus five qualifying £30 monthly rewards.

Offer terms: New sole Premier customers only; UK resident 18+, no open Barclays current account on/before 1 October 2026 and no previous Barclays CASS bonus. Finish app application within 21 days; request full CASS with 3 active Direct Debits and pay £5,000 salary within 30 days of opening. After £450 bonus, each extra £30 requires 10 settled eligible debit-card purchases AND £5,000 salary in the same full calendar month; maximum five rewards. Payments within 28 working days of qualification; keep account open. From 1 October until withdrawn. £600 is conditional maximum, not guaranteed. Checked 18 October 2026.

• None of your selected perks.

Also includes: Dining & lifestyle credit, Fee-free spending abroad, Travel extras & concierge

Welcome: £500 for a qualifying Premier Select/Reward switch.

Offer terms: Open Select or Reward from 2 September 2026 and fully switch through CASS online/app from outside NatWest Group, closing old account. No RBS current account held on 2 September 2026; no previous NatWest/RBS/Ulster switch cash. Within 90 days of switch completion, pay in £15,000 total (each payment stays 24 hours; transferred balance counts) and log into mobile app. Checked at day 90, paid within next 30 days; keep eligible account open. Premier criteria apply; confirm joint-income-only qualification because offer PDF specifies sole-income route. No fixed end date; may be withdrawn. Terms: https://www.rbs.co.uk/content/dam/royal_bank_of_scotland/premier/documents/premier-switch-offer-terms/rbs-premier-switch-offer-terms-september-2026.pdf . Checked 18 October 2026.

• None of your selected perks.

Also includes: Fee-free spending abroad

Welcome: £500 for a qualifying Premier Select/Reward switch.

Offer terms: Open Select or Reward from 2 September 2026 and fully switch through CASS online/app from outside NatWest Group, closing old account. No NatWest current account held on 2 September 2026; no previous NatWest/RBS/Ulster switch cash. Within 90 days of switch completion, pay in £15,000 total (each payment stays 24 hours; transferred balance counts) and log into mobile app. Checked at day 90, paid within next 30 days; keep eligible account open. Premier criteria apply; confirm joint-income-only qualification with bank because offer PDF specifies sole-income route. No fixed end date; may be withdrawn. Terms: https://www.natwest.co.uk/content/dam/natwest/premier/documents/premier-switch-offer-terms/NW-Premier-Switch-Offer-Terms-September-2026.pdf . Checked 18 October 2026.

• None of your selected perks.

Also includes: Fee-free spending abroad

Welcome: Up to £40 in Uber vouchers (two £20 vouchers), not cash.

Offer terms: New to Santander only: no other Santander product. Open Rewards Credit Card from 9 July 2026; provide email, activate, add to digital wallet and make 10 purchases within 30 days. Keep card open 30 days after claiming first voucher for the second. Claim each within 60 days of invitation and use within 3 months of adding to Uber. May be withdrawn. Terms: https://www.santander.co.uk/landing/Rewards-Credit-Card-Offer . Checked 18 October 2026.

• None of your selected perks.

Also includes: Cashback, rewards & interest, Fee-free spending abroad

Offer terms: No public welcome bonus advertised on the reviewed official Rewards page. Ongoing 0.25% cashback is not a welcome incentive. Checked 18 October 2026; targeted offers not verified.

• None of your selected perks.

Also includes: Cashback, rewards & interest, Fee-free spending abroad

Welcome: £500 for a qualifying Premier Select/Reward switch.

Offer terms: Open Select or Reward from 2 September 2026 and fully switch through CASS online/app from outside NatWest Group, closing old account. No NatWest current account held on 2 September 2026; no previous NatWest/RBS/Ulster switch cash. Within 90 days of switch completion, pay in £15,000 total (each payment stays 24 hours; transferred balance counts) and log into mobile app. Checked at day 90, paid within next 30 days; keep eligible account open. Premier criteria apply; confirm joint-income-only qualification with bank because offer PDF specifies sole-income route. No fixed end date; may be withdrawn. Terms: https://www.natwest.co.uk/content/dam/natwest/premier/documents/premier-switch-offer-terms/NW-Premier-Switch-Offer-Terms-September-2026.pdf . Checked 18 October 2026.

• None of your selected perks.

Also includes: Cashback, rewards & interest, Fee-free spending abroad

Welcome: £500 for a qualifying Premier Select/Reward switch.

Offer terms: Open Select or Reward from 2 September 2026 and fully switch through CASS online/app from outside NatWest Group, closing old account. No RBS current account held on 2 September 2026; no previous NatWest/RBS/Ulster switch cash. Within 90 days of switch completion, pay in £15,000 total (each payment stays 24 hours; transferred balance counts) and log into mobile app. Checked at day 90, paid within next 30 days; keep eligible account open. Premier criteria apply; confirm joint-income-only qualification because offer PDF specifies sole-income route. No fixed end date; may be withdrawn. Terms: https://www.rbs.co.uk/content/dam/royal_bank_of_scotland/premier/documents/premier-switch-offer-terms/rbs-premier-switch-offer-terms-september-2026.pdf . Checked 18 October 2026.

• None of your selected perks.

Also includes: Cashback, rewards & interest, Fee-free spending abroad

Offer terms: Standalone Platinum is excluded from the current £200 Lloyds switch offer. Club Lloyds Platinum is a different qualifying product. No standalone Platinum welcome bonus verified. Checked 18 October 2026.

• Worldwide family travel insurance£200

Also includes: Breakdown cover, Mobile phone cover

Offer terms: No public Max-specific welcome bonus or first-month-free offer verified. Referral-link rewards and Billsback prize draws are separate conditional schemes and excluded from welcome value. In-app targeted offers not verified. Checked 18 October 2026.

• Worldwide travel insurance£150

Also includes: Mobile phone cover, Breakdown cover, Fee-free spending abroad

Offer terms: No public plan-specific welcome bonus verified. Annual billing is ordinary pricing, not a welcome offer. Selected customers may receive invitation-only paid-plan trials; partner-link promotions are not verified as combinable with this plan and are excluded from net value. Check your in-app invitation and terms. Checked 18 October 2026.

• Travel insurance£120

Also includes: Points / Avios earn, Fee-free spending abroad, Travel extras & concierge

Offer terms: No currently open Edge Up switching cash offer verified. The £240 switching window closed 7 October 2026; older £180 terms do not establish current availability. Historical rewards excluded from Year 1 value. Check Santander for any new or targeted offer. Checked 18 October 2026.

• None of your selected perks.

Also includes: Points / Avios earn

Welcome: 20,000 Membership Rewards points after £3,000 eligible spend in the first 3 months, plus £195 first-year annual-fee waiver.

Offer terms: New Cardmember Offer; no personal American Express Card held in the previous 24 months. £0 annual fee in Year 1, then £195. Year 1 offer estimate £395 = £200 points at 1p/point + £195 fee waiver; points redemption value varies. Offers may be withdrawn. Checked 18 October 2026.

• Airport lounge visits£100

Also includes: Points / Avios earn

Welcome: Up to 10,000 welcome points after £1,000 spend in the first 30 days, plus one month free.

Offer terms: New members only. First 30 days: spend £200 for 2,000 points, another £300 for 3,000, another £500 for 5,000. One month free, then £17.99/month. Year 1 value counts £17.99 fee waiver only; points have no verified fixed cash value and are excluded. New-member rent/mortgage boost: 5 points/£1 up to 10,000/month until 31 December 2026; standing-order acceptance and exclusions apply, variable earning excluded from welcome value. Checked 18 October 2026.

• Worldwide travel insurance£120

Also includes: Points / Avios earn, Travel extras & concierge, Fee-free spending abroad

Welcome: 25,000 Avios after £3,000 eligible spend in the first 3 months.

Offer terms: New to Barclaycard only. Existing card-change customers: 5,000 Avios after £3,000 in 3 months, not the headline bonus. Welcome bonus collectible once; moving between Avios cards does not earn another. Estimated £250 at 1p/Avios. Checked 18 October 2026.

• Discounted lounge membership£30

Also includes: Points / Avios earn, Cabin upgrade / companion voucher

Welcome: 30,000 bonus Avios when you spend £6,000 on purchases in the first 3 months of Cardmembership. Available only if you have not held a personal British Airways American Express Card in the previous 24 months. Subject to approval and offer terms; offers may change or be withdrawn.

Offer terms: Apply through an application journey where the 30,000-Avios offer is promoted; no personal British Airways American Express Card held in the previous 24 months. Estimated £300 at 1p/Avios; taxes, fees and redemption restrictions apply. Offers may be withdrawn. Checked 18 October 2026.

• Travel inconvenience insurance£60

Also includes: Cabin upgrade / companion voucher, Points / Avios earn, Travel extras & concierge