Review of the British Airways Visa Signature® Credit Card

Brendan Harkness

Brendan Harkness | Reviews

May 27, 2015 | Updated May 06, 2019

Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Best Card Picks, or how one card is compared to another. Avios and Chase have not endorsed this content in any way.

Credit Card Insider has collected card information independently. Issuers did not provide the details, nor are they responsible for their accuracy.

Learn more about how we rate cards

The British Airways Visa Signature® Credit Card is a popular card among travelers. Issued by Chase Bank, it offers points for purchases – known as “Avios” – that can be redeemed for travel expenses, as well as other travel benefits.

This card is meant mainly for spending with British Airways, where you’ll earn 3 Avios per dollar. There’s no foreign transaction fees and no annual fee for the first year, after which it is $95.

Chase and Avios 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.

The Rewards

You’ll earn 3 Avios per dollar for every purchase made with British Airlines, and 1 Avios per dollar for all other purchases.

There is currently an offer that allows cardholders to earn 4X Avios per dollar on all purchases, up to $30,000 in spending, during the first 12 months of card ownership. Just note that this offer is only available to you if you don’t already have this card and haven’t received a new cardmember bonus for this card in the past 24 months.

The Benefits

You’ll be able to earn a Travel Together Ticket if you spend $30,000 in purchases in 1 year. You can use this ticket to bring a companion with you when you redeem your Avios for a reward seat, even in first class. Carrier charges, taxes, and other relevant fees will still apply. The ticket is good for 2 years.

This card has Chip-and-Signature EMV technology, a must for travel credit cards to provide better accessibility in foreign countries.

Cardholders will be automatically enrolled in the British Airways Executive Club program, an exclusive club that provides special travel benefits and services. These include a platform for managing, sharing, and redeeming Avios, as well as access to members-only deals and offers through Gate 365, an online marketplace for cardholders.

A current offer, for example, is a limited-time deal to get 4 Avios per dollar spent when shopping at the Saks Fifth Avenue website when accessed through Gate 365.

Depending on your credit history, you may be issued a Visa Platinum card (for lower credit scores) or a Visa Signature card (for higher credit scores). Each of these levels come with different services, and you’ll need to check your particular card terms to learn what is available to you.

Click here for a description of the full set of Visa benefits.

Platinum cardholders, the lower level, will probably have access to an Auto Rental Collision Damage Waiver, providing coverage against theft and damage for rented vehicles as long as the rental company’s own insurance is declined.

An Emergency Cash Advance or Emergency Card Replacement is available if necessary.

Some Platinum cards also feature Travel and Emergency Assistance Services to provide help if you get into trouble on the road or in a foreign country. This includes medical and legal referrals, as well as help finding local services.

Cards at the Visa Signature level will include more exclusive benefits, potentially including:

  • A Concierge Service to be your over-the-phone assistant for arranging travel and locating hard-to-find purchases
  • Purchase Protection to cover purchases against damage and theft
  • Lost Luggage Reimbursement to provide funds if your luggage is lost
  • Travel Accident Insurance that covers you and your family when traveling by common carrier

The Costs

Annual Fee Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$95 18.24% - 25.24% Variable 18.24% - 25.24% Variable 27.24% Variable $0

The Fees

Penalty APR Late Fee Returned Payment Fee
See Terms Up to $38 Up to $38

The Bottom Line

If you frequently travel with British Airlines this card could end up saving you quite a bit of money. The reward points, Avios, will accumulate quickly at 3 points per dollar when you spend with British Airlines, and you can find more deals and discounts through the Gate 365 marketplace to maximize your purchasing power.

The British Airways Visa Signature card has two features that you definitely want to find on a travel credit card: a lack of a foreign transaction fee, and the presence of EMV technology, in this case as Chip-and-Signature. These features mean that you’ll be able to use the card more freely while abroad, without being charged for it.

If you don’t often fly with British Airlines, the annual fee on this card will probably make it a bad choice to own. Check your own spending patterns – is there a particular airline that you fly the most with? There’s a decent chance that you can find a travel credit card that will fit into your habits, save you some money, and make traveling more enjoyable.

Do you use this credit card to get around? What are your favorite travel features, with this card or others? Let us know in the comments below!

Learn more about travel credit cards and find one for yourself on our Travel Credit Cards page.
Was this helpful?

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.

The Insider

Ellen Sirull
Can You Rent a Rental Car With a Debit Card? Why You May Want to Reconsider
Ellen Sirull | May 23, 2019

Many rental car companies allow you to rent with debit cards, with some restrictions, but is it really a good idea compared to credit cards? Find out here.

Read More
Sean Messier
How Can I Easily Stop Getting So Many Credit Card Offers In The Mail?
Sean Messier | May 23, 2019

Tired of pre-approved credit card offers? Find out why you're getting them, how to opt out, and why these offers might actually be worth your time.

Read More
Susan Shain
7 Best Credit Cards for Building Credit
Susan Shain | May 22, 2019

Just starting your credit journey and looking for the best credit cards to build credit? Here are seven solid options — some even with cash back rewards!

Read More