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British Airways Visa Signature® Card

Credit needed
Excellent, Good
APR
15.99% to 22.99%
Annual Fee
$95

Card Summary

British Airways Visa Signature Card allows travelers to travel internationally with ease. Reward points can be used to purchase flights with British Airways, 14 airlines and other companies. These include American Airlines, Alaska Airlines, Qatar Airways, Royal Air Maroc and American Airlines.

You can also redeem points for more than 900 destinations around the world.

Cardholders who open a new account can receive 100,000 bonus points if they spend $5,000 within 3 months. You can also earn points with the British Airways Visa Signature Card when you stay at hotels.

Additional travel-friendly features of the card include luggage delay insurance, and reimbursement for lost or damaged luggage.

Card Summary - Cons

Rates and fees

Issuer Name
Chase
Penalty APR
Maximum 29.99%
Credit Needed
Excellent, Good
Balance Transfer Fee
The transfer amount must be either $5 or 5%, depending on which is higher.
Annual Fee
$95
Cash Advance Fee
You can choose to pay $10 or 5% depending on the transaction amount.
APR
15.99% to 22.99%
Foreign Transaction Fee
$0
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The Best Features

Cardholders who open accounts within 3 months of opening an account will receive 100,000 bonus points. If you spend $30,000 within the first year, you can get two companion tickets.

British Airways offers baggage delay insurance. This covers you for up to $100 per person for 3 days, if you have to purchase essentials like toiletries or clothes and your luggage is delayed by more than 6 hours. You will receive reimbursement for lost luggage if the carrier damages or loses your bag.

Foreign transaction fees not payable: The card is free of foreign transaction fees if you make purchases from outside the United States.

Many airline partners: Points can be used to book flights on British Airways as well as 14 other airlines.

Contactless card: Tap-to-pay allows for less contact with the surface during the coronavirus crises and offers about the same security level as EMV chips cards. These cards are far safer than the magnetic strip.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Fees and taxes on reward travel. Reward flight and companion tickets may be subject to fees, taxes and carrier fees that can vary depending on where and when you travel.

You can earn up to $600 worth of statement credits when booking reward flights to London with British Airways. Additionally, the British Airways Visa Signature Card allows you to pay all taxes and fees.

Three times per year, you can get a $100 credit on economy and premium economy seats or $200 credits for business and first-class tickets.

Annual Fee: This card will cost $95, but you don't have to pay an annual fee for American Airlines AAdvantage Mile Up Cards or Discover It Miles.

Highlights

After you have spent $5,000 within 3 months of account opening, earn 100,000 Avios Within the first twelve months of account opening earn 5 Avios for every $1 you spend on British Airways, Aer Lingus or Iberia purchases. After that, earn 3 Avios.

When you spend $1 on hotel accommodation directly within the first twelve months of account opening, earn 3 Avios. After that, 2 Avios. You can also earn 1 Avios for every $1 you spend on any other purchase.

Book through our website to receive 10% discount on British Airways flight departures from the USA.

Earn a Travel Together ticket for 2 years every time you spend $30,000 on your British Airways Visa Card.

You will not be charged any foreign transaction fees if you are traveling abroad.

Tap to Pay with Your Contactless British Airways Visa Signature Card Look for the contactless icon at check out. It is fast, simple and secure.

Benefits

It is important to use your companion ticket no later than two years after it was issued. You can also use your reward points to purchase fares.

Earn the maximum points by using the British Airways Visa Signature Card to book hotel rooms and flights. These purchases will be more expensive the first year.

For every dollar spent on British Airways, Aer Lingus, and Iberia flights within the first twelve months, you can earn five Avios (or points) and three thereafter.

You can earn three points per dollar on your first year for hotel stays. After that, two points are available. For everything else, you'll get one point for every dollar.

Purchase protection is a card benefit that reimburses you up to $500 for each claim, and $50,000.

For accounts over 50k: extended warranty protection is available for eligible purchases and adds one-year to the manufacturer’s warranty.

Comparative Analysis with Other Cards

British Airways Visa Signature Card vs. Chase Sapphire Preferred card:

The card has the same fees - $95 annually fee, variable APR between 15.99% and 22.99%.

However, new cardholders receive different sign-up bonuses. After spending $5,000 within 3 months of account opening, the British Airways Visa Signature Card gives you 100,000 bonus points. The Chase Sapphire Preferred Card awards 60,000 bonus points if you spend $4,000 in the 3 months following account opening.

The Chase Sapphire Preferred Card offers 3X dining points, including takeout, delivery and restaurant service, as well as 2X points for travel. You can also earn 1 point for every dollar you spend on any other purchase. Redeem your Chase Ultimate Rewards points to receive a 25% bonus.

As the travel disruption continues, these features may make the card more useful than the British Airways Visa Signature Card.

British Airways Visa Signature Card vs. Explore it Miles:

The British Airways Visa Signature Card may cost less with Discover it Miles than the British Airways Visa Signature Card.

You could get an APR of 11.99% with Discover it Miles, compared to 15.99% to $22.99% for the British Airways Visa Signature Card. While Discover it Miles doesn't charge an annual fee you will have to pay $95 for the British Airways Visa Signature Card.

After spending $5,000 within 3 months of account opening, the British Airways Visa Signature Card will award 100,000 bonus points or every purchase of Discover it Miles cards, you will earn an unlimited 1.5 mile and match the number of miles earned at the end your first year.

The flexibility of turning miles into cash at any time is another benefit.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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