The Lloyds Avios* gives 1.25 Avios points for every £1 spent. It comes with both an Amex and a Mastercard, though only spend on the Amex as it gives the most points. There's an annoying £24/year fee with this card.
For the first six months, you'll get double Avios points for spending with the Amex card. For additional ways to earn with Avios, including converting Tesco Clubcard points, see Boost Avios Points.
Plus, spend £7,000 a year and you can upgrade two flights - either two singles or one return - from Euro Traveller to Club Europe, World Traveller to World Traveller Plus or World Traveller Plus to Club World.
Avios can be redeemed on BA and other Oneworld carriers, including American Airlines, Quantas and Cathay Pacific.
Ensure you repay in full to avoid the 18.9%