British Airways Visa Signature® Card review

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Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
15.99% - 22.99% Variable
Terms and Restrictions Apply | Rates and Fees

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For avid British Airways travelers, here’s a card that offers big travel rewards for big spending on the airline. With the British Airways Visa Signature® Card,  earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening . Plus earn a Travel Together Ticket after you spend $30,000 total on purchases within your first year of account opening.

Review

As with many airline-specific rewards cards, the British Airways Visa Signature Card offers the most rewards for purchases made through the airline. Cardholders can 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.  Cardholders also 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.

Keep in mind, you will be required to pay taxes, fees and carrier charges on this companion ticket, which isn’t cheap. Depending on the flight, economy travelers will have to cough up between $682 and $1250 per adult and business class passengers will pay $1250 in taxes and fees. You have two years to use the Travel Together ticket once it’s issued.

The $95 annual fee seals the deal on this card being designed for frequent swipers. If you don’t use your credit card often, you can end up losing money on this card. You’d have to spend about $1,000 on British Airways purchases in the first year and approximately $125 per month in the first year to break even. 

Who should get this card

Unless you mainly travel on British Airways, then there’s no real reason to get this card. It’s truly designed for the ardent British Airways flier, as they will get the maximum rewards for their purchases through the airline. The $95 annual fee means that you need to spend at least several hundred dollars per month on the card to get value; so if you’re traveling on British Airways often then you could end up with some valuable rewards come year’s end, such as a free companion ticket.

Fees and APR

  • There is a $95 annual fee.
  • You’ll pay a variable APR ranging from 15.99% – 22.99%.
  • The cash advance variable APR is 24.99%.
  • You won’t have to pay a foreign transaction fee.

Extras, perks and using points

Earn a Travel Together Ticket after you spend $30,000 total on purchases within your first year of account opening.

International travelers won’t have to pay a foreign transaction fee.

You’ll get to choose your seats 24 hours before departure.

 

The information about the British Airways Visa Signature® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.