British Airways Visa Signature®

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Last updated on July 6th, 2022

British Airways Visa Signature

British Airways Visa Signature

British Airways Visa Signature
  • Regular Purchase APR 18.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR 18.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 27.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening
  • Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. 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!
Rates & Fees
  • Regular Purchase APR: 18.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 18.24% to 25.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 27.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
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At a Glance

Points earning-heavy and very flexible when it comes to redemption, the Chase British Airways Visa Signature® is a versatile airline rewards credit card that allows you to rack up rewards on all types of purchases, no matter where you make them.

Ideal for Those Who:

  • Travel often, especially with British Airways, Iberia, or Aer Lingus
  • Are looking to use your credit card to make purchases abroad
  • Prefer to redeem earned rewards with a variety of airlines

British Airways Visa Signature® Review

Traveling often with British Airways and looking for a credit card that rewards you for doing so? Look no further than the British Airways Visa Signature® card. Whether you’re a seasoned British Airways traveler or just starting to book with this carrier, the card gives you automatic enrollment in the Executive Club, where you can earn Avios rewards points for just about every purchase – starting with an impressive welcome offer.

A Huge Welcome Offer

One of the most common features of the Avios family of credit cards – and the British Airways Visa Signature – are the impressive points sign-up bonuses they provide. Avios have an approximate value of 1.5 cents per point according to BestCards’ points valuations, giving this introductory offer a value of $1,500 for award travel to Europe and beyond! That welcome offer is currently 75,000 Avios after spending $5,000 on purchases within the first three months from account opening. After that, you can earn an additional 25,000 Avios if you spend $20,000 in the first 12 months. All in all, that could mean 100,000 Avios in your first year as a cardmember.

How to Earn Avios

Beyond the generous welcome offer, cardholders earn up to 3X Avios on eligible purchases. Cardholders earn 3X Avios per dollar on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.

New accounts also enjoy 2X Avios per dollar on hotel accommodations when purchased directly with the hotel. All other purchases with the card earn a single Avios per dollar spent.

Avios expire after 36 months (three years) of account inactivity.

How to Redeem Avios

Cardholders can redeem rewards accrued for flight awards, seat upgrades, and even airport lounge access. These also apply to hotel bookings, car hires, and even activities and experiences at your destination. Users can also redeem Avios with any of British Airways’ partnered oneworld® airlines, including Aer Lingus, Iberia, American Airlines, Qantas, and more. It’s essentially like having about a dozen airline reward credit cards in one.

 

Which Airlines Partner with Avios?

British Airways Executive Club Aer Lingus AerClub
Iberia Plus Vueling Airlines Vueling Club

Statement Credits to Keep the Surcharges at Bay

If the welcome offer provides exceptional value, award flights with British, Aer Lingus and Iberia suffer from a huge array of surcharges. British Airways is the biggest offender of the three, placing high carrier surcharges on select award tickets. These fees, of course, can seriously hamper the ability to cash out those Avios.

Fortunately, the British Airways Visa Signature provides annual statement credits that can help reduce – if not eliminate – those surcharges. Cardholders enjoy up to $600 in annual statement credits, including $100 for Economy of Premium Economy or $200 for Business Class and First-Class seats. Since these credits are available three times per calendar year, $600 (or $300 for the average traveler) is a decent amount of money to claw back – just for preferring to fly with British – and sue their Visa Signature Avios Card.

Companion Ticket Offer

Cardholders can also earn a Commercial Airline Companion Ticket each year they make at least $30,000 in purchases with their card. Companion tickets are good for 12 months and offer an award ticket for economy travel on booked BA flights.

Other Card Features

Like most other solid travel credit cards, you get a robust insurance package that covers baggage delays, lost luggage, and auto rental collision damage. While becoming a cardmember means incurring an annual $95 charge, it can be quickly offset by the fact that you will not pay foreign transaction fees, which – depending on your purchase frequency abroad – can quickly add up.

FAQs About Avios

Here are some of the most commonly asked questions regarding the Avios frequent flyer program, along with the answers:

  • Yes. Avios expire after 36 months of inactivity on the account. That said, Avios are easy to keep active – especially with a British Airways credit cards – simply use the card to make a purchase and you are all set for 36 months!
  • No. Avios can only be used by the accountholder.
  • You can contact Avios at 0344 49 333 49 in the UK and 1 (855) 585-8264 in the United States.

Card Availability

Chase credit, debit, and banking products are available in all 50 U.S. states plus the District of Columbia.

card available nationwide

JP Morgan Chase and British Airways Visa Signature Card Ratings

How does the Chase British Airways Visa stack up? Here are a selection of expert reviews for the card, as well as an overview of JP Morgan Chase as a bank:

5/5
4/5

TrustPilot Rating

N/A

User Rating

5/5

Should You Apply for the Chase British Airways Visa Signature®?

Overall, the British Airways Visa Signature® from Chase Bank is a great card for the Avios-friendly flyer that prefers British Airways. While similar offers are available from other Avios partners (Aer Lingus and Iberia), the British Airways version of the Chase Visa Signature is probably the best option for most travelers.

British Airways is one of the pre-eminent names in global travel, and the Chase British Airways Visa Signature is the ideal companion for those who prefer to fly with the prestigious carrier. The huge signup bonus is likely enough to lure plenty of potential applicants, but the $600 statement credits, up to 3X Avios per dollar spent, and impressive bonus offers each year make the card a robust, high-quality airline card.

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