easyJet Credit Card

easyJet Credit Card Typical APR 16.9% APR Balance Transfers 0% for 9 months 3% transfer fee - £5 min Rewards easyJet flight rebate Interest Free Period Up to 56 days Annual Fee £0 You should only apply if you are: • Aged 18 or over • UK resident

More about easyJet credit card...

The easyJet credit card is simply a brilliant card for getting rebates off cheap flights throughout Europe.

The reward for the easyJet credit card really is market leading. One mile equals one penny rebate off any purchases made through easyJet.com. This means flights and any purchases in the same transaction, taxes, insurance, car hire, holidays, hotels etc.

easyJet Miles are allocated to your account per £1 of spending. For all easyJet.com purchases you earn 3 miles per £1. For all purchases abroad, you earn 2 miles per £1, and for all other purchases you get 1 mile per £1. When you come to buy anything from easyJet.com and pay with your credit card, your miles are automatically rebated off the price.

This means there's no limits on what you can get with your miles, unlike some other air miles programmes – there are no flight availability restrictions, or specific routes or seats, or dates that you need to stick to. You even earn miles when you redeem miles!

In addition, for the first 3 months, all purchases on easyJet.com made with your easyJet credit card will attract 10 miles per £1 spent. But that's not all - just for having a card you’ll get 4,000 miles as long as you spend £250 on purchases in the first 3 months. That's equivalent to £40, which at easyJet's prices could get you across Europe.

The easyJet credit card also offers a 0% interest balance transfer deal for 9 months, subject to a transfer fee of 3%. Most cards seem to offer something similar to this nowadays, and the offer on the easyJet credit card is good to have, but don't let this be the main reason that you take the card-– there are better offers out there for Balance Transfers

There is a really good interest free period on the easyJet credit card - up to 56 days, which is at the leading end of the market. So, the best way to use this card use it for as much of your normal spending as you can rather than cash, and then clear the whole of that month’s balance before you start getting charged interest.

Because the easyJet credit card is backed by Citi, you get all the usual Citi add-ons like online account management and online fraud guarantee with active fraud protection, which means that Citi will monitor your card for unusual activity.

There's also Citi Identity Theft Solutions Service that gives you a dedicated team to help if your identity gets stolen. And for your purchases, there’s purchase protection insurance, a price match guarantee, and even extended warranties available.

You can also redeem miles for cash back - for the easyJet credit card this means cash taken off your outstanding card balance. This can only be done once your account has been open for one year, and you can only do it once per year. You will only get half the value - instead of cash back being redeemed against your card balance at 1p per mile, you'll only get 0.5p per mile. Also, you have to not have redeemed any easyJet miles against flights within the last twelve months. In practice, this makes the cash back offer difficult to access and not really worth much, so if it's cash back you're after, choose one of the cash back cards.

Watch out for
easyJet and Citi want to encourage you to spend on your card, right? Of course they do, because they earn money from it. But if you spend overseas, they earn even more, from charging a foreign transaction fee, which is 2.75% of purchase value. That's why they give you 2 miles for every £1 spent abroad.

Consider this - the two miles that you earn for spending £1 overseas on your easyJet credit card is worth 2p off your next flight. But, it's costing you 2.75p in foreign transaction fees. Simple message - don't use this card abroad! If you need to carry plastic overseas, check out these use abroad cards, that don't charge the foreign transaction fee.

The interest rate on the easyJet credit card, at 16.9% (typical) is not the best on the market, so this is another incentive to clear the balance in full each month. If you find you're keeping a balance on the card, then best to switch it to a long-offer balance transfer card.

Remember, only purchases qualify for miles. Cash advances and balance transfers do not attract miles, and the cash advance rate is typically steep. If you know you're going to be using the card for getting cash from ATMs, try these cards, which charge a lower APR on cash advances.

easyJet miles are only redeemable for 12 months after appearing on your statement, so make sure you use them up in time.

Promotional interest rates are only available if you keep up to date with your payments. The terms & conditions imply that if the payment is not made in time with cleared funds, then the interest rate will go up. This is common to all cards, so you need to keep on top of your payments.

Summary
This is a really great card if you use easyJet already. If this is the case, then using the easyJet credit card for all your regular spending means you’ll get free flights for really not doing much at all.

All in all, a cracking offer from the Orange-and-White Stansted Posse, and it certainly lives up to the 'easy' ethos.

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