Review of the British Airways Visa Signature® Card
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British Airways Visa Signature® Card
The British Airways Visa Signature Card provides bonus Avios for BA, Iberia, and Aer Lingus purchases. Benefits are limited, but they include a 10% discount on eligible outbound flights.
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The British Airways Visa Signature® Card is a popular card among travelers who prefer to fly BA and its partner airlines. Issued by Chase Bank, it offers points for purchases – known as “Avios” – that can be redeemed for free flights.
This card is most valuable when it’s used for British Airways purchases, where you’ll earn 3X Avios per dollar after the first year. There are no foreign transaction fees and an annual fee of $95.
Chase and Avios Group Limited recently announced the multi-year continuation of their relationship, meaning that this card or another co-branded card should be available for years to come.
- 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.
Our Rating: 4 Out of 5 Stars
We give the British Airways Visa Signature Credit Card 4 out of 5 stars, because it’s a strong — but not perfect — option for frequent travelers who spend a lot of money with British Airways, Aer Lingus, and/or Iberia.
Why We Like It
- Good card rewards for spending with British Airways, Iberia, and Aer Lingus
- BA’s oneworld alliance membership makes it simple to use Avios with partner airlines
- 100,000 bonus Avios for spending $5,000 in the first 3 months
- No foreign transaction fees
- Contactless card enables quick and easy transactions
- 10% discount for BA flight bookings starting in the U.S.
Why It Could Be Better
- $95 annual fee
- Limited bonus categories
- Lack of chip-and-PIN technology could be a turnoff for international travelers
- Very basic benefits
Insider Advice: Getting the Most Out of Your Card
- Book with your card and earn big: Use the card for all your British Airways, Iberia, and Aer Lingus purchases to rack up Avios at the 3X reward rate.
- Get a 10% discount on eligible flights: Book eligible outbound flights through ba.com/Chase10 and get 10% off with code CHASEBA10.
- Take advantage of the strong introductory bonuses: 100,000 bonus Avios for spending $5,000 in the first 3 months
- Spend enough to offset the annual fee: Offset the BA card’s $95 annual fee by spending between $2,112 and $3,167 (assuming 1–1.5 cents per Avios) at the 3X reward rate.
- Travel with your card: Bring the card abroad to avoid transaction fees and enjoy the convenience of contactless payment (where available).
- Fly with BA’s partners: Explore redemption opportunities with partner airlines to maximize the value of your Avios.
- Choose your flights wisely: Thanks to BA’s distance-based award chart, short-haul flights with partner airlines will often provide a better return on spend when booked with Avios than if you’d booked through those airlines’ own loyalty programs. Last-minute flights are another great option, as British Airways won’t charge additional fees when you book at the eleventh hour.
- Use another card too: Pair this card with another rewards card to fill in gaps where this card only earns 1X Avios.
The Rewards
The BA card’s reward structure is about as straightforward as can be.
Avios are generally worth 1–1.5 cents per point, which would give you a cash back equivalent of 1–4.5% depending on the purchase and how your Avios are redeemed.
Redemption options are quite flexible thanks to British Airways’ oneworld alliance membership, which allows you to redeem Avios with several airlines in addition to those included in the 3X bonus categories.
Earning
| Spending Rewards |
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The only way you’ll get a lot of value from this card is if you spend frequently with British Airways, Iberia, or Aer Lingus. If that does sound like you, you’re in luck, because the 3X bonus rate should help you earn Avios fairly quickly. It’s worth noting that the 3X rate applies to both flights and flight-related services.
It should be especially easy to earn rewards during your first year as a cardholder thanks to the card’s valuable signup bonuses.
The first of these bonuses delivers a solid payoff for a relatively low spending requirement, and it should be enough to cover an international round-trip flight.
Your Avios will expire if you don’t collect, spend, purchase, or share at least one Avios within a 36-month period, so you’ll want to use the card at least once in a while if you’re aiming to keep all of your unused rewards.
Insider tip
For more information on the BA card’s reward system, check out our in-depth guide to the ways you can earn and redeem Avios. You’ll also find more information about the BA Executive Club and its member tiers, plus full price charts for both British Airways award flights and award flights with its partners.
Redeeming
There are lots of ways to redeem Avios.
You can book reward flights with British Airways and its oneworld partners, or you can spend Avios to upgrade eligible cash bookings with British Airways, Iberia, and American Airlines.
You can also:
- Put a dent in the price of select regular British Airways cash bookings with part payment
- Pay for reserved seats and baggage
- Book hotel stays, car rentals, and unique experiences
- Buy food on eligible Euro Traveller flights to and from London Heathrow and Gatwick
Redeeming your Avios for flights will generally provide the best value, so that’s what we’ll focus on here.
Flight prices vary based primarily on distance and class, but the diversity of partner airlines with which you can redeem your Avios means you’ll have plenty of opportunities to find something that suits your interests and provides good value.
Flights with British Airways start at 4,000 Avios for off-peak economy flights up to 650 miles, and they range in price to 200,000 Avios for peak first class flights over 7,001 miles.
Partner flights cost a touch more, starting at 6,000 Avios (economy flights up to 650 miles) and topping out at 206,000 Avios (first class flights over 7,000 miles).
Since these award charts are based on distance, you may find that short-haul flights with partner airlines provide particularly good value when booked with Avios, compared to how much they’d have cost if they were actually booked through those airlines. Take American Airlines for example — certain flights might cost you several thousand more points with the AAdvantage program than they would through the Executive Club.
But this will vary depending on when and how you’re booking, of course, so make sure to check pricing with the partner first.
Another tip to keep in mind is that when redeeming your Avios with British Airways, the airline won’t charge last-minute travel fees. With certain partners, these fees add up quickly (American Airlines charges $75 extra for last-minute bookings), so you may be able to save a great deal by sticking with BA.
Insider tip
British Airways flyers frequently cite the carrier’s high surcharges among their premier frustrations. In fact, British Airways was sued by U.S. flyers in 2013 over its fuel surcharges, which led to a 2.2-billion Avios settlement. Its charges remain high in many cases, and you might find a better deal with a partner airline, so don’t be afraid to shop around.
The Benefits
One of the more notable drawbacks of the British Airways credit card is that, despite requiring a $95 annual fee, its selection of benefits is somewhat unimpressive.
Unlike many of its competitors, the card offers no free checked bags or in-flight discounts. Other cards at this price tier go even further — the United℠ Explorer Card (Review), for example, offers a TSA PreCheck/Global Entry statement credit, while the JetBlue Plus Card provides an annual 5,000-point bonus for cardholders in good standing.
Next to these, the BA card looks a bit limp.
- Automatic Executive Club membership: Automatic enrollment in the British Airways Executive Club program makes it simple to accumulate and manage your points (though you already can sign up for free anytime).
- 10% flight discount: Get 10% off eligible outbound flights booked through ba.com/Chase10 with code CHASEBA10.
- Travel Together Ticket: Spend $30,000 in one calendar year and you’ll get a Travel Together Ticket. It’s good for one free companion ticket on a reward flight. Like most companion tickets offered through other airlines, you’ll still have to pay taxes, fees, and carrier charges.
- Above & Beyond experiences: Access cardholder-only events and invitations.
- Network-provided protections: Including helpful travel perks like travel and emergency assistance, trip cancellation/interruption insurance, lost luggage reimbursement, and an auto rental collision damage waiver, plus purchase protection and extended warranty protection.
The Terms & Fees
| Purchase APR | Balance Transfer APR | Cash Advance APR |
|---|---|---|
| 15.99% - 22.99% Variable | 15.99% - 22.99% Variable | 24.99% Variable |
| Annual Fee | Foreign Transaction Fee | Balance Transfer Fee | Cash Advance Fee |
|---|---|---|---|
| $95 | $0 | Either $5 or 5% of the amount of each transfer, whichever is greater | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Late Fee | Returned Payment Fee |
|---|---|---|
| Up to 29.99% | None | Up to $38 |
The British Airways Visa Card’s fees don’t warrant much discussion.
There are no foreign transaction fees, which is a nice benefit that adds to the card’s travel-oriented appeal.
Otherwise, you’re looking at relatively standard fees for balance transfers, cash advances, returned payments, and late payments.
Like several other airline credit cards, the BA Visa charges a $95 annual fee. Assuming Avios are worth 1–1.5 cents each, you’ll have to spend between $2,112 and $3,167 at the 3X reward rate to get at least $95 back.
Of course, you’ll want to spend more than that in order to actually get some sort of value out of the card beyond simply mitigating the fee. But that’s why we recommend this card only for British Airways enthusiasts.
Insider tip
Check the official British Airways Visa Signature terms and conditions for more information.
The Bottom Line
The British Airways Visa Signature Card can provide a lot of value for anyone who’s already spending a lot of money with British Airways, Aer Lingus, or Iberia, especially when you take its dual introductory offers into consideration.
BA’s oneworld alliance membership offers a welcome dose of flexibility, especially considering the high surcharges many consumers have noted while booking with British Airways itself.
The card’s benefits aren’t too remarkable, though big spenders may also find the Travel Together Ticket helpful.
All told, if you’re not spending a lot with British Airways, Aer Lingus, or Iberia, you might want to look for another airline credit card. But if you are, the BA card could provide a lot of value. Just be sure to use it alongside other credit cards with more diverse bonus categories.
How to Apply for the British Airways Visa Signature Card
Applying for the British Airways Visa Signature Card is simple — just click the “How to Apply” button below.
After supplying the necessary information, Chase may provide an instant decision, but it could take longer. Chase might also request that you provide additional information.
Qualifications and Requirements
- Must be 18 (19 in Alabama and Nebraska, 21 in Puerto Rico)
- Personal identifying information, including birth date, Social Security number, email address, and phone number
- Total income and source of income
- Executive Club account number, if already enrolled
- 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.
Alternatives to the British Airways Visa Signature Card
If you’re not a dyed-in-the-wool British Airways enthusiast, then the British Airways Visa Signature probably isn’t the card for you. The good news? You should have no trouble finding other options, whether you’re after a general travel card or a co-branded airline card. Here are a few of our go-to options.
- Bank of America® Premium Rewards® Credit Card (Review): 2X points on travel and dining; 1.5X points on all other purchases; 50,000 bonus points for spending $3,000 in the first 90 days
- Citi Premier® Card (Review): 3X points at supermarkets, restaurants, gas stations, and air travel; 80,000 ThankYou points for spending $4,000 in first 3 months (worth $800 in gift cards when redeemed at thankyou.com)
- Chase Sapphire Preferred® Card (Review): 5X Ultimate Rewards points per dollar on Lyft rides; 2X points on travel and dining; 100,000 bonus points for spending $4,000 in the first 3 months from account opening
- Chase Sapphire Reserve® (Review): 10X Ultimate Rewards points per dollar on Lyft rides; 3X points on travel (after the full travel credit is used) and dining; 60,000 bonus points for spending $4,000 in the first 3 months after account opening ; $300 annually in travel statement credits plus premium travel benefits
Insider tip
The alternatives we picked here are all general travel cards, but if you’re not committed to flying with British Airways, you’ll also find airline cards from Alaska Airlines, American Airlines, Delta, Hawaiian Airlines, JetBlue, Southwest, United, and other airlines.
- 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
The Bank of America® Premium Rewards® Credit Card (Review) offers a 2X reward rate on dining and travel purchases. The card also includes several helpful benefits that elevate it above most other travel cards at this price, including a statement credit to cover the application fee for TSA PreCheck or Global Entry. You’ll have to pay a $95 annual fee, but that’s pretty easy to offset thanks to the card’s $100 annual airline incidental statement credit.
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Key Features
- Travel Perks: $100 airline incidental statement credit, airport security statement credit toward TSA PreCheck ($85) or Global Entry ($100) application fee every four years
- No foreign transaction fees
- Annual fee: $95
Read more in our 2021 Review: The Bank of America Premium Rewards Credit Card.
- 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.
If you’d like a travel credit card that’s both solid and straightforward, it’s hard to go wrong with the Citi Premier® Card (Review). You earn rewards on gas, dining, and entertainment, which is a great selection of categories if you’re always abroad. Its benefits are quite basic, but it does provide a handful of helpful travel protections.
| Spending Rewards |
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Key Features
- Point transfer: To a variety of airline loyalty programs, including JetBlue, Virgin Atlantic, and Singapore Airlines
- $100 annual hotel credit: Valid when you book a hotel stay of $500 or more through thankyou.com, once per calendar year
- No foreign transaction fees
- Annual fee: $95
Read more in our Review: Citi Premier® Card – A Good Pick for Travel Spending?.
- 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
The Chase Sapphire Preferred® Card (Review) has earned a reputation as one of the premier mid-tier travel credit cards. Cardholders accumulate points on travel and dining purchases, and Chase provides two ways to increase the value of your points: travel redemptions through Chase Ultimate Rewards, and point transfers to partner airlines and hotels.
| Spending Rewards |
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Key Features
- Travel Perks: 25% point bonus when redeeming through Chase Ultimate Rewards for travel, point transfer to popular airline and hotel loyalty programs
- No foreign transaction fees
- Annual fee: $95
Read more in our 2021 Review: The Chase Sapphire Preferred Card – The Best General Travel Card?.
- 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
Because it’s a premium travel card, the Chase Sapphire Reserve® (Review) carries a much higher fee than the British Airways Visa or any of the cards mentioned above. But with this additional cost comes a strong rewards program and some of the best benefits on the market, including complimentary Priority Pass Select airport lounge access.
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Key Features
- Travel Perks: Unlimited Priority Pass Select lounge access for the cardholder and up to two guests, $300 annual travel credit, Global Entry or TSA PreCheck application fee credit, Luxury Hotel & Resort Collection, elite hotel benefits at Relais and Châteaux properties, free year of Lyft Pink, $60 annual DoorDash credit and membership, primary auto rental insurance
- 50% point bonus: When you redeem points through Chase Ultimate Rewards for travel
- No foreign transaction fees
- Annual fee: $550
Read more in our 2021 Review: Chase Sapphire Reserve – the Best Premium Travel 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.
If you found this review helpful, don’t hesitate to share it with a friend! And if we missed anything, let us know in a comment below. Already a British Airways Visa Signature cardholder? Leave a review of your own and tell us about your experience.
Don’t think you’ll benefit from an airline credit card? See our picks for the best credit cards in every category.
Sean Messier
Sean Messier works to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing- and research-based background has granted him experience in an array of topics, from finance to business and beyond. Sean distills the knowledge accumulated over years of experience in the credit space into consistent, actionable articles, guides, and reviews.
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