chase

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

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.

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.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

2026 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

Each individual’s credit situation is unique and influenced by a variety of factors. The way these factors interact and impact a person’s credit score may vary. Bright Capital, Inc. strives to provide accurate and up-to-date information. However, we cannot guarantee the completeness and correctness of the content provided. This page is intended for informational purposes only and does not constitute financial or legal advice, nor does it imply an endorsement of any third-party products or services. All products and services are presented without warranty. Bright Capital, Inc. does not offer financial, legal, or tax advice. We strongly recommend consulting with your own financial, legal, or tax advisors for guidance specific to your situation.

British Airways Visa Signature® Card

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

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

British Airways Visa Signature Card vs. Explore it Miles:

Conclusion

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

British Airways Visa Signature® Card

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

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

British Airways Visa Signature Card vs. Explore it Miles:

Conclusion

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources