The British Airways Visa Signature Card: Your Ticket to Free Flights and More Avios
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There’s only one British Airways co-branded credit card, but it’s a useful tool for BA enthusiasts, making it simpler to accumulate Avios and take better advantage of the Executive Club rewards program.
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British Airways is no newbie to the airline industry, celebrating its 100th anniversary this year.
While most American travelers may stick with a domestic airline as their preferred option, BA is a member of the oneworld alliance which makes it easy to use Avios with partners like Alaska Airlines and American Airlines, as well as international airlines such as Cathay Pacific, Japan Airlines, Qantas, and more.
British Airways is focused on helping passengers with accessibility, which can make traveling a lot easier for many who may otherwise find it challenging. Recently, British Airways was awarded the prestigious Autism Friendly Award by the National Autistic Society, becoming the first recognized autism-friendly airline in the UK. The airline continues to put substantial investment in accessibility training for all of its customer service staff.
For travelers seeking a credit card to earn more Avios and make trips more rewarding, there’s just one option offered by BA and Chase: the British Airways Visa Signature® Card (Review).
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
- Earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
- Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- 5X Avios per dollar for the first 12 months, then 3X Avios, with:
- Iberia
- British Airways
- Aer Lingus
- 3X Avios per dollar for the first 12 months, then 2X Avios, at Hotels
- 1X Avios per dollar everywhere else
Introductory bonus
Bonus restrictions
You can use your Avios towards rewards flights. All reward flights are subject to taxes, fees, and carrier charges. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $38
- Additional Cards Annual FeeSee Terms
- Foreign Transaction Fee$0
The information related to British Airways Visa Signature® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The BA Executive Club Rewards Program and Avios
British Airways’ Executive Club Rewards Program for frequent flyers uses points called Avios. Here are some details:
- Avios are the Executive Club’s main travel rewards currency.
- You collect (earn) Avios by taking flights on British Airways and partner airlines, booking with partners like hotels and car rentals, and spending with BA credit cards.
- The number of Avios earned depends on the distance flown, cabin/class, and your Executive Club tier — rather than how much you spend, like some other airlines.
- Avios only expire if your Executive Club account has no activity for 36 months.
- You can transfer American Express Membership Rewards points and Chase Ultimate Rewards points to Avios.
In addition to Avios, British Airways uses Tier Points, which you earn on BA flights and flights on partner airlines. Tier Points are only used to help you move up through the membership tiers. Avios are for cashing in rewards, like for award flights, and Tier Points are just for increasing your member status. Unlike Avios, your Tier Points reset to zero each membership year.
Earning Avios
The main way to earn Avios is by booking flights with British Airways or airline partners. You’ll earn a minimum of 125 Avios on any flight, with the Avios earned increasing by fare class and tier level in the Executive Club program. Almost all BA flights are eligible for Avios and Tier Points. The only flights you don’t earn them on are reward flights, agency discounted fares, and industry discounted fares.
Here are some example fare classes and the Avios you’ll earn with each:
| Fare Class | Avios Awarded | Minimum Avios Earned | Tier Points Earned |
|---|---|---|---|
| Economy (K, L, M, N, S, V) | 50% of miles flown | 250 | 50% |
| Business Class (R, I) | 150% of miles flown | 750 | 100% |
| First Class (A) | 250% of miles flown | 1,250 | 100% |
British Airways also has a calculator on its website to determine the Avios you’ll earn for specific routes and tiers, so you can see what you’ll get for any particular flight. Take note that if you book flights on airlines other than BA, you’ll earn Avios at different rates.
Sample Flight With Avios and Tier Points Earned
Here’s what a sample flight from New York City (JFK) to London (LHR) would cost:
And here’s how many Avios and Tier Points you’d earn on that flight, for each flight class:
So, you’d earn 3,458 Avios and 70 Tier Points for a flexible economy seat on this flight. But you could actually earn more Avios with the BA credit card — keep reading to learn how.
British Airways Executive Club Membership Tiers
There are four tiers in the Executive Club rewards program (or “programme,” as they say over there): Blue, Bronze, Silver, and Gold. Like most airlines, as the tier increases so do the benefits and Avios earned. Here are some of the differences laid out by tier:
| Blue | Bronze | Silver | Gold | |
|---|---|---|---|---|
| Eligibility | Join Executive Club frequent flyer program | Fly BA at least twice and earn 300 Tier Points, or take a total of 25 BA flights | Fly BA at least 4 times and earn 600 Tier Points, or take a total of 50 BA flights | Fly BA at least 4 times and earn 1,500 Tier Points |
| Bonus Avios on BA flights | None | 25% | 50% | 100% |
| Household Program for pooling Avios | Yes | Yes | Yes | Yes |
| Priority check-in and boarding | No | Yes | Yes | Yes |
| Free seat selection | No | 7 days before departure | At booking | At booking |
| Two free checked bags (Except on basic fares) | No | No | Yes | Yes |
Most of the offerings are fairly standard as airline member programs go, but there are some special perks including:
- Maternity/Paternity/Adoption Status Freeze: Bronze, Silver, and Gold members can apply to keep their status if they have or adopt a child, even though they’ll likely be flying less during their maternity, paternity, or adoption leave.
- Lounge Access: Silver and Gold members get access to BA and partner airport lounges (there are 30 dedicated BA lounges and over 100 partner lounges worldwide).
Redeeming Avios
Like most other airlines, the exact number of Avios needed for a free flight depends on the departure and arrival locations, time of year, and if any promotions are happening.
For example, an award flight from London to Belfast, which might normally cost $174 one way, would use 4,500 Avios and cost approximately $36 in fees:
Redeeming Avios for a flight from London to Belfast.
So, this flight would be a fairly good deal because you’d be getting a bit over 3 cents per Avios, although you can probably find even better options throughout the U.S. and Europe.
One frequent Executive Club traveler, R.J. Weiss of The Ways to Wealth, shares some insights on making the most of BA’s points: “Unlike many other airlines, British Airways’ Executive Club program uses a distance-based award chart. This can create some unique opportunities to get a great value on your Avios points, especially for short-haul domestic flights.”
Weiss explains, “As an example, I fly between Chicago and Florida a lot to visit family. A ticket from Chicago to Fort Myers can cost as low as 7,500 Avios, which is booked through American Airlines (a British Airways partner). If I were to book that same flight through American Airlines’ AAdvantage loyalty program, it would cost 12,500 points.”
Of course, award flight values can vary depending on any special promotions running. So, if you’re booking with an airline partner, you’ll want to check both that partner and British Airways to see which value is best.
In the meantime, we’ve put together tables to help you get an idea of what you’ll have to pay for the typical British Airways award flight.
This table displays prices for flights booked with British Airways.
| Zone (Distance) | Economy | Premium Economy | Business | First | ||||
|---|---|---|---|---|---|---|---|---|
| Off-Peak | Peak | Off-Peak | Peak | Off-Peak | Peak | Off-Peak | Peak | |
| 1 (1–650 miles) | 4,000 | 4,500 | 5,750 | 6,750 | 7,750 | 9,000 | 15,500 | 18,000 |
| 2 (651–1,151 miles) | 6,500 | 7,500 | 9,500 | 11,250 | 12,750 | 15,000 | 25,500 | 30,000 |
| 3 (1,152–2,000 miles) | 8,500 | 10,000 | 12,750 | 15,000 | 17,000 | 20,000 | 34,000 | 40,000 |
| 4 (2,001–3,000 miles) | 10,000 | 12,500 | 20,000 | 25,000 | 31,250 | 37,500 | 42,500 | 50,000 |
| 5 (3,001–4,000 miles) | 13,000 | 20,000 | 26,000 | 40,000 | 50,000 | 60,000 | 68,000 | 80,000 |
| 6 (4,001–5,500 miles) | 16,250 | 25,000 | 32,500 | 50,000 | 62,500 | 75,000 | 85,000 | 100,000 |
| 7 (5,501–6,500 miles) | 19,500 | 30,000 | 39,000 | 60,000 | 75,000 | 90,000 | 102,000 | 120,000 |
| 8 (6,501–7,000 miles) | 22,750 | 35,000 | 45,500 | 70,000 | 87,500 | 105,000 | 119,000 | 140,000 |
| 9 (7,001+ miles) | 32,500 | 50,000 | 65,000 | 100,000 | 125,000 | 150,000 | 170,000 | 200,000 |
Award flights with partner airlines cost a bit more. You can find these prices below thanks to Flyertalk user KARFA, who originally constructed a similar table on the Flyertalk forum.
| Zone (Distance) | Economy | Premium Economy | Business | First |
|---|---|---|---|---|
| 1 (1–650 miles) | 6,000 | 9,000 | 12,500 | 24,000 |
| 2 (650–1,151 miles) | 9,000 | 12,500 | 16,500 | 33,000 |
| 3 (1,152–2,000 miles) | 11,000 | 16,500 | 22,000 | 44,000 |
| 4 (2,001–3,000 miles) | 13,000 | 25,250 | 38,750 | 51,500 |
| 5 (3,001–4,000 miles) | 20,750 | 41,250 | 62,000 | 82,500 |
| 6 (4,001–5,500 miles) | 25,750 | 51,500 | 77,250 | 103,000 |
| 7 (5,501–6,500 miles) | 31,000 | 62,000 | 92,750 | 123,750 |
| 8 (6,501–7,000 miles) | 36,250 | 72,250 | 108,250 | 144,250 |
| 9 (7,001+ miles) | 51,500 | 103,000 | 154,500 | 206,000 |
The British Airways Visa Signature Card
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.
- Earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 12 months from account opening, thereafter earn 3 Avios.
- Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 12 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases.
- 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
- Pay no foreign transaction fees when you travel abroad.
- Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
- 5X Avios per dollar for the first 12 months, then 3X Avios, with:
- Iberia
- British Airways
- Aer Lingus
- 3X Avios per dollar for the first 12 months, then 2X Avios, at Hotels
- 1X Avios per dollar everywhere else
Introductory bonus
Bonus restrictions
You can use your Avios towards rewards flights. All reward flights are subject to taxes, fees, and carrier charges. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeN/A
- Returned Payment FeeUp to $38
- Additional Cards Annual FeeSee Terms
- Foreign Transaction Fee$0
The information related to British Airways Visa Signature® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Here’s a snapshot of the rewards and benefits you can expect from the BA credit card.
| Spending Rewards |
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| Introductory Bonus |
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Key Features
- 10% off eligible British Airways bookings: There’s a promotion running for all BA Visa Signature cardholders, offering 10% off eligible flights outbound from the U.S. You must pay with your BA credit card. Find details on this promotion here.
- Get an extra ticket for a travel companion: Spend $30,000 in a calendar year to earn a Travel Together Ticket, good for one companion ticket on a reward flight. Your Travel Together Ticket will be automatically added to your Executive Club account after you hit the spending requirement. You’ll have to pay taxes, fees, and carrier surcharges on this ticket.
- Annual fee: $95, which is comparable to many other airline credit cards.
- No foreign transaction fees: This is useful for any overseas travel, but many travel and rewards credit cards also offer this benefit. Check out the best cards with no foreign transaction fees for other options.
Read more in our Review of the British Airways Visa Signature® Card.
How many Avios could I earn with the British Airways Visa Signature Card?
Using the previous example of JFK – LHR, if you pay with your British Airways Visa Signature® Card (Review) you’ll earn 5270.69 Avios as a new cardholder (in the first year). That assumes you’re taking a flexible economy flight.
The flight costs about $604 and you’d earn 5X Avios per dollar, for a total of 3021.15 additional Avios from the card.
This is at least 50% more Avios than you’d earn as a basic Blue Executive Club member, showing just how valuable this card can be for each trip you take.
Making the Most of Your BA Visa Signature Credit Card
Here are some tips to get the most out of your card and every Avios you earn:
- Take advantage of introductory bonus Avios and special promotions when possible: Veneta Lusk, a family finance expert who blogs at Becoming Life Smart, shares how she maximizes the BA Visa Signature card for Avios: “My husband and I got the card when we were renovating our house three years ago. We charged several big expenses on the card to max out the signup bonus and ended up getting more than 100,000 British Airways Avios.”
- Look for short-haul flights: Lusk adds, “The points work great for short-haul flights since those cost just 7,500 Avios one way on American Airlines. We used the Avios to fly to Las Vegas, New York, and even back home first class from Salt Lake City on Valentine’s Day. The points are very flexible and can be used in a variety of ways.”
- Use your Avios with partner airlines to get a better value: In addition to American Airlines, Aer Lingus often provides deals to Ireland from many east coast cities in the states. Alaska Airlines, Iberia, and Japan Airlines are also worth checking out if you’re planning a more exotic rewards trip.
- Last-minute award tickets can be relatively inexpensive: You won’t pay additional fees with British Airways when booking last-minute travel, like you may with others like American Airlines. That’s $75 per ticket with AA, which can add up quickly. So, using Avios to book last-minute travel could save you a tidy sum.
- Don’t miss out on the 10% discount for BA flight bookings: Book any applicable round-trip British Airways flights on ba.com/Chase10 using the promo code CHASEBA10 to get your 10% discount.
- Consider another card for everyday purchases: The Chase Sapphire Reserve® (Review) or American Express® Gold Card (Review) could be good everyday cards for travelers. And you can even transfer both Chase Ultimate Rewards and Amex Membership Rewards points to Avios.
The British Airways Visa Signature: Brilliant or Rubbish?
If you’re a frequent BA traveler, you may find the British Airways Visa Signature card a good fit for maximizing Avios. But if you don’t fly BA often it won’t do you much good, and if you’ll spend a lot with other airlines and hotels as well you may want a general-use travel credit card.
Here are a few examples:
- Min. credit levelExcellent
- Annual Fee$550
- Regular APR16.99%-23.99% Variable
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
- 3X Ultimate Rewards points per dollar on:
- Travel (after the full travel credit is used)
- Dining
- 1X Ultimate Rewards point per dollar on all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR16.99%-23.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual Fee$75
- Foreign Transaction Fee$0
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 22.99% Variable
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
- 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
- 2X Ultimate Rewards points per dollar for:
- Travel
- Restaurants
- 1X Ultimate Rewards point per dollar on all other purchases
Introductory bonus
Bonus restrictions
You are ineligible for this bonus if you have a Sapphire card, or you’ve received a new cardmember bonus for any Sapphire card in the past 48 months.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A for N/A
- Regular Balance Transfer APR15.99% - 22.99% Variable
- Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater
- Penalty APRUp to 29.99%
- Late FeeUp to $39
- Returned Payment FeeUp to $39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee$0
- Min. credit levelGood
- Annual Fee$0
- Regular APR15.49% - 25.49% Variable
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- 1.25X miles per dollar spent on all purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.49% - 25.49% Variable
- Balance Transfer Fee$0 at this Transfer APR
- Penalty APRNone
- Late FeeUp to $40
- Returned Payment FeeNone
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Min. credit levelGood
- Annual Fee$495
- Regular APR16.99%–23.99% Variable
- 5X ThankYou points on Air travel and Restaurants
- 3X ThankYou points on Hotels and Cruise Lines
- No limit to the amount of points you can earn
- Rewards never expire
- $250 travel credit
- Complimentary 4th night free on eligible hotel stays, capped at twice per year
- Complimentary Priority Pass Select membership
- Global Entry or TSA Pre✓ Application Fee Credit
- No foreign transaction fees
- $495 annual fee
- 5X ThankYou points per dollar spent on:
- Air travel
- Restaurants
- 3X ThankYou points per dollar spent on:
- Hotels
- Cruise lines
- 1X ThankYou point per dollar spent on everything else
Introductory bonus
Bonus restrictions
You are ineligible for this introductory bonus if you’ve either closed or received an introductory bonus from any of the following cards in the past 24 months:
- Citi Rewards+® Card (Review)
- Citi ThankYou® Preferred Card (Review)
- Citi Premier® Card (Review)/Citi Premier
- Citi Prestige (Review)
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR16.99%–23.99% Variable
- Balance Transfer Fee3%, $5 minimum
- Penalty APRUp to 29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual Fee$75
- Foreign Transaction FeeNone
Citi is a Credit Card Insider advertiser.
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99% - 23.99% Variable
- Earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- 3X ThankYou points per dollar on:
- Air travel
- Hotels
- Gas stations
- Supermarkets
- Restaurants
- 1X ThankYou point per dollar on all other purchases
Introductory bonus
Bonus restrictions
You cannot receive the signup bonus points if you received a new cardmember bonus or have closed any of these cards in the last 24 months: Citi Rewards+℠, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier® or Citi Prestige®
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99% - 23.99% Variable
- Balance Transfer Fee3% of each balance transfer; $5 minimum
- Penalty APRUp to 29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual Fee$0
- Foreign Transaction FeeNone
Citi is a Credit Card Insider advertiser.
- Min. credit levelGood
- Annual Fee$95
- Regular APR15.99%–22.99% Variable
- Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
- If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
- No limit to the points you can earn and your points don’t expire
- Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center
- Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
- No Foreign Transaction Fees
- Low $95 annual fee
- 2X points per dollar for:
- Travel
- Dining
- 1.5X points per dollar for all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR15.99%–22.99% Variable
- Balance Transfer Fee3%, $10 minimum
- Penalty APRUp to 29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $29
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
British Airways isn’t the only airline that provides a credit card to upgrade your point earning capability and flight benefits. Other major airlines like Delta, United, Southwest, and JetBlue also offer valuable co-branded credit cards.
Frequently Asked Questions
What are Avios?
Avios are British Airways’ main travel rewards currency. You earn Avios by taking flights on British Airways and partner airlines, booking with partners like hotels and car rentals, and spending with BA credit cards. Avios only expire if your Executive Club account hasn’t collected, spent, purchased, or shared any Avios for 36 months.
You can transfer American Express Membership Rewards points and Chase Ultimate Rewards points to Avios.
How do I redeem Avios?
To redeem your Avios, head to avios.com. From there, you can log in with your AerClub information, search for flights, and pay using your points.
Check out our in-depth breakdown of what your points might be worth, depending on the flight.
For rates and fees of the American Express® Gold Card, please click here.
Ellen Sirull
Ellen Sirull is a writer with over 15 years of experience, covering topics from personal finance to identity protection to credit and credit cards. Her work has been featured on CNBC, New York Daily News, Fox News, Yahoo! Finance, AOL Finance, Experian and the Identity Theft Resource Center. She enjoys spending time with her family and traveling as much as possible and is always thinking about how best to invest her own money for retirement and her family’s well-being.
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