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HFP makes clear that using the BA Amex (£150 annual fee) Premium card is the best deal in the market place. Assuming, that is, you use it as a charge card and do not ever pay the 60% (or so) APR. The latter has to take into account the annual fee. HFP did a recent calculation showing that you can generate something like a 10.5% return (that is a gain rather than a cost) from using the 2-4-1 voucher on a LH premium cabin return – also assuming that you have the Avios to use in the first place.