British Airways Credit Card

british airways credit card
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321 reviews   Write a Review
Info about the British Airways Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

British Airways Credit Card’s Rewards

50,000 miles
Base Earn
1 mile / $1
Max Earn
3 miles / $1
  • Earn 50,000 bonus Avios after you spend $3,000 on purchases in the first 3 months of account opening.
  • Earn 3 Avios for every dollar spent on British Airways purchases.
  • Earn 1 Avios for every $1 spent on all other purchases.
  • Every calendar year you make $30,000 in purchases on your British Airways Credit Card, you will earn a Travel Together Ticket good for two years.

British Airways Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
16.24% - 23.24% (V)
  • ANNUAL FEE $95
    5% (min $5)

British Airways Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • GRACE PERIOD   21 days
    25.24% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Benefits: Auto Rental Collision Damage Waiver, Purchase Protection, Extended Warranty Protection, Lost Luggage Reimbursement and Baggage Delay Insurance.
  • Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home

Customer Questions and Answers

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Can you use points to fly on any airline (i.e. Delta) with this card?

Photo of Card H.
Jul 15, 2013
Unfortunately, no. In most cases you cannot use airlines points to purchase flights on other airlines, even if the airlines operate as code sharing partners.

Avois points can be redeemed on a number of other airlines, if you're interested look up the OneWorld Alliance, which will list the companies BA cooperates with.
12 Votes 14 2

Can I redeem the British Airways points for cash? If yes, what is the conversion rate for 1 point?

Photo of Card H.
Jan 7, 2016
No, unfortunately the Avios cannot be redeemed for cash. You can find more about the redemption options by clicking on the Apply Now button above or by calling British Airways Executive Club customer service at 800-452-1201. Hope this helps.
8 Votes 8

Can I use the British Airways points to travel with Aer Lingus? What is the procedure?

Photo of Card H.
Oct 30, 2015
Yes, British Airways miles can be used to book Aer Lingus flights. You should be able to do so directly through your online credit card account using the “flight finder.” You can also contact the Executive Club Service Centre at 1-800-452-1201 to check flight availability or make a booking.
2 Votes 4 2

Customer Reviews

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3.7 out of 5

321 reviews
Photo of Sheila S.
Sep 16, 2015
If you use British Airways, this is a good deal. The big downside that I see is that I don't typically use British Airways so this will make it harder for me to get points. However, you only have to spend $2000 in the first 3 months for this deal. Most of the similar deals require you to spend $3000 in the first 3 months. Also, if you think that you can spend $30k in a year, the travel together ticket is a nice bonus on top of the points that you earned.
Photo of Adam L.
Jun 10, 2015
The British Airways Visa Signature card can definitely come in handy. The main thing that I like about it is the 50,000 bonus miles. Another really good thing about this card is the low APR. One thing I do not like about this card is the high annual fee.
Photo of Chett E.
May 8, 2015
My partner and I do a lot of flying and have saved so much money with the British Airways Credit Card. It's got a really low interest rate and you can earn a ton of points, very easily, through their rewards program. This program lets you redeem the points towards flight tickets and other travel goodies. Plus, there's no foreign transaction fees when you're overseas which is a nice bonus.

The only knock I have against the card is there's an annual fee after the first year but if you use the card a lot it's still worth it. It's similar to the priceline credit card but it's points are for more
Photo of Rebekah W.
Apr 6, 2015
This card is a great card, depending on what exactly you are looking for. I especially enjoy the rewards programs, as it makes it much easier to fly. My biggest complain is that it is difficult to find flights that I am looking for when I want them--though this isn't really a complaint of the card directly, more so for the airline itself. I would highly recommend this card to anybody I know because it is easy to use and accepted pretty much everywhere in the country that accepts major credit cards. Signing up and getting approved is also very easy.
Photo of Khan K.
Mar 20, 2015
At 15.99% the APR is what most cards are offering. The really bad part is the Penalty APR, almost 30%. So if you miss a payment and get subjected to the penalty rate almost 1/3 of your payment would be interest. This card has chip and sign which is a good security feature, should virtually eliminate unauthorized transactions. This card has an annual fee which is terrible. However if you travel often, the card might be worth it to you, Since you earn towards free airline tickets.
Photo of Sarah B.
Mar 5, 2015
I think this card offers some good rewards but for a very specific user. If you are one to frequently use British Airways and travel often, then the miles accumulated with the card are nice. The bonus miles when you spend $2000 in the first 3 months are nice, as well as the basic miles rate. The Smart Chip technology is a great feature, allowing you make chip based purchases unlike most cards. I think the interest rates are a little high considering the average purchase amount of an airline ticket, but otherwise, the rewards are nice for a frequent user!
Photo of John S.
Feb 18, 2015
I opened an account with this card for the specific reason of booking a few business travel trips with it. I am very happy I did that because it paid off to use the British Airways Visa over my regular visa card issued through my local bank. The 50,00 bonus miles were a huge boost and I was able to put the miles towards a major trip I took which would have been impossible without the rewards miles.
Photo of Amir ┼.
Feb 5, 2015
In my opinion, this credit card is the biggest rip off of the century. I've had it for a few years now and have collected over 200,000 miles. Now, I went to use it for travel, but British Airways charges some absurd amounts in fees. For example, a round trip from LA to Dubai on British Airways costs $1080.42 if I pay cash, including ALL fees and taxes. However, if I use my miles, they will charge me 90,000 miles plus $785 in cash for taxes and fees. Are these people crazy????? So they're charging me 90,000 miles for less than $300?? I just went to Kayak, and I can more
Photo of Sanjay K.
Feb 21, 2015
Could you use your points on American Airlines? Please reply.
Photo of Caleb K.
Mar 16, 2015
You can book with partner airlines on and not pay fuel surcharges or extra fees. IE: you can book a flights from LAX to HNL for only 25,000 avios.
Photo of Brian G.
Jan 8, 2015
This card, based on the information in this link, is a unique one. It offers good rewards compared to most cards, matching reward points and airline mile benefits extremely well. However, I feel these good qualities are outweighed by the exorbitant APR and Cash Advance rates (15.99% and 19.24% respectively). Both of these percentage rates are extremely high, and often are found on cards given to people with poor credit. However, the poor credit crowd is not the target of the card, given the upper limit of the amount needed to achieve bonuses (for instance, $2000 in the first three months to earn a good amount of bonus airline miles). more
Photo of Korina G.
Dec 1, 2014
What I absolutely love about this card is the amount of bonus points you receive in comparison to the amount you spend. It is so nice knowing that you have bonus points that you can spend on a wide variety of things, I also like the fact that you are awarded airline tickets. Traveling has always been a favorite past time of mine and this would be incentive enough for me to open this card. This particular card reminds me of the features on my Citi Bank Platinum card where I have a points system that builds on a rather quick basis and has proven to be very useful to more
Photo of Topanga E.
Nov 20, 2014
This British Airways Visa Signature card truly has a lot to offer. It has an extremely appealing bonus offer, and compared to the other ones like this one out there it is a lot better. I love that you can get additional miles for just using the card on other purchases. Comparing the British Airways Visa Signature Card to most other offers of credit, this card has a reasonable interest rate and associated fees while still offering you, the customer, something back.
Photo of Arjada B.
Sep 30, 2014
The BA Visa Signature card has an extremely appealing initial bonus offer, compared to other similar travel-based credit cards (such as for instance, Lufthansa Miles & More Premier World Mastercard that offers only 20,000 miles upon initial purchase and an extra 30,000 for a much higher qualifying purchase). I like that a user can get additional miles just for using the card on other (non-BA) purchases; for instance, if you spend $800 a month in such purchases, that translates into 1000 miles a month, which in my opinion is really good. Another great feature especially for people who spend a considerable amount of time abroad is the feature of no more
Photo of Robert P.
Sep 11, 2014
The British Airways Visa Signature card provides a higher mileage return of over a mile per dollar spent compared to Jet Blue. The mile limit is set pretty high so many miles are available to build up. A great card if you are a flyer of British Airways.
Photo of Amy R.
Sep 9, 2014
Until the British Airways Visa Card has a pin to go with the chip, and has customer verification method (CVM) set to 1. pin 2. signature, then this card is of little use to anyone traveling to Europe or most of the rest of the world.

Avios are tough to use economically as BA charges very high fees and fuel charges ($700 on a $1000 flight). A better use is with Aer Lingus, a BA codeshare partner, which has much lower fees. However you have to book by telephone, and convince the person waiting on you that they should waive the telephone booking fee, as it's not possible to make this more
Photo of Blythe P.
Aug 5, 2014
The annual fee on this card is obviously high, but the low APR, and AMAZING card member benefits totally make up for that! 50,000 points is worth hundreds of dollars, and they come really quickly in relation to the time of opening the card. I highly recommend this card if you fly British Airways (or want to).
Photo of Kate M.
Jul 16, 2014
The 50,000 bonus miles are a good incentive to apply for the card. The penalty rate is pretty high at 29.99%!
Photo of Kathy H.
Jun 24, 2014
The interest rate is reasonable. My biggest problem with this card would be that I would have to do a lot of travelling on British Airways to make the miles for rewards. Additionally, it is doubtful that I would spend $30,000.00 in any year on new purchases, including airfare. The cash advance interest rate is also quite high. If I were wealthy, however, the British Airways Visa Signature Card would be a worthwhile card to have.
Photo of Becky B.
May 30, 2014
The British Airways Visa Signature Card is a decent travel rewards credit card. It does have a high annual fee, but this common on travel rewards cards. As long has you travel enough to earn enough rewards to surpass the fee, it is worth it. The interest rate is again high, but this is common with travel cards. Reward card users should be paying off their balances to maximize their rewards anyways.
Photo of Sarah S.
May 12, 2014
As a family with relatives outside the country, this card is actually very helpful. We have family in Sweden, Canada, and Ireland, and we're close enough to all of them to at least visit once in a while. We applied for this card because they waive the out-of-country purchase fee, and when you're picking up a pack of gum in a foreign checkout line for about $1, the last thing you want is to see that you're actually paying thrice that amount because of some unnecessary fee. We don't really use this a lot, but that's not the point; it's not about what you can get at the store right more
Photo of Princess A.
Apr 28, 2014
I really enjoyed this British Airway card! I received my card through Chase Bank. I must say that the ease of use with this card is excellent. I have used it in 2 different foreign countries for all transactions and NEVER had a problem! I highly recommend this card, especially to those who love to travel and don't wanna fool with cash ( exchange rates).
Photo of Heather P.
Apr 2, 2014
The British Airways Visa Signature Card is a fair card. The interest rate is in line with other cards. I really like the sign on bonus and the points systems. For every $1 that you spend, you receive 1.25 points. So you can really rack up the points quick. The only draw back to this card is the $95 annual fee. This is high. So overall I like my British Airways Visa Signature Card. It is easy to apply for and receive this card.
Photo of Wes A.
Mar 24, 2014
The British Airways Visa Signature Card is a very enticing offer. The card has great benefits, including the "Travel Together Ticket" after spending $30,000 in a year with the card. One drawback is the balance transfer fee, but it is still relatively low compared to other cards. Another great aspect of the card is the no foreign transaction fee, which is awesome when traveling internationally.
Photo of Dawn M.
Mar 7, 2014
This offer for the British Airways Visa Signature Card is really attractive. It gives a competitive interest rate which is most desirable. There is an annual fee of $95.00 , which i feel is a little expensive, however this card offers rewards for free airline miles. This is a nice tool for someone who travels frequently, particularly abroad. Comparing the British Airways Visa Signature Card to most other offers of credit, this card has a reasonable interest rate and associated fees while still offering you, the customer, something back.
Photo of Jennifer L.
Feb 25, 2014
For the first year, the British Airways Visa Signature looks great. As someone who travels frequently, the rewards are stellar. However, getting the card does require a fairly high credit rating, so it might not be great for a college student or other young adult. Even though the card fee is $95 the second year, it might be worth it for someone who spends a lot of time abroad. The complete lack of foreign transaction fees is pretty awesome. Right now I have a Discover It and honestly, I'm thinking of switching over. If I kept track of my rewards right, I think I'd come out much better.
Photo of John D.
Feb 10, 2014
Overall I rate this card as fair. I am really impressed with the start up bonuses. I don't care for the $95 annual fee, that is high to me. The interest rate is ok though, it is in line with other cards. The point system on this card I am most impressed with. For every $1 that you spend, you receive 1.25 points. If you use this card often, then the points will pile up, compared to other cards. All in all, this card is just fair.
Photo of Michelle F.
Jan 27, 2014
This looks like a pretty good card overall, with generous terms as far as the initial bonus and first additional bonus are concerned. the British Airways Visa Signature Card has an interest rate in-line with some of the more reasonable mileage cards, and unlike some, doesn't hit you with an annual fee. It's kind of a bummer that it doesn't offer you any 0% or lowered introductory rate, but since not everyone has balances to transfer, it's probably nicer for most people that the intro bonuses seem to make up for this. The cash advance rate and fee are steep, but that's pretty standard across all cards these days. The more
Photo of Xavier S.
Dec 10, 2013
One of the great things about owning The British Airways Visa Signature Card is the initial bonus you get for signing up for the card. Most travel credit cards do offer an initial bonus of milage, but the British Airways Visa will give you more bonus milage after an initial purchase. They also offer a high miles per dollar credit, which comes in handy if you are a traveler. The annual fee may be a little high, but with the bonuses and milage that you earn it can be overlooked. The 15% interest rate is a little steep, but the pros does outweigh the cons. The British Airways Visa does more
Photo of Lyn W.
Dec 5, 2013
I find The British Airways Visa Signature Card annual fee to be a bit high for this credit card compared to other credit cards I have used in the past. The bonuses for this card is appealing however, especially if you like to travel. Most cards I have used in the past apply an introductory rate on purchases, this card does not and it would be great if it did. All things considering, this is a pretty good credit card for travelers.
Photo of Cody D.
Nov 29, 2013
The British Airways Visa Card seems like a really great deal since you can make 1.25 points per $1 spent which will add up quickly if you spend during the holiday season. I feel like that is a much better deal if you frequent British Airways! Also that's more than the Delta card I have which is only 1 point per dollar spent. The 50,000 bonus that you get with this card is also better than other competitors cards bonuses when you sign up. That alone is worth the $95 annual fee that you need to pay for the card. All in all I think if you frequent the British more
Photo of Krystal M.
Nov 27, 2013
I really like the British Airways Visa Signature Card, but the $95 annual fee is a bit of a turn off. I feel a lot of cards are getting rid of these annual fees and I'd like to see the same thing happen with the British Airways Card. Their reward point system is well above par compared to other cards. This card makes it very easy to earn rewards for frequent travelers and I feel its quite diverse! Their interest rate is most certainly on the low end when you compare to other cards. They also offer smart chip technology and no fees for foreign transactions! Anyone who travels abroad more
Photo of Rob D.
Nov 20, 2013
The British Airways Visa Signature Card Is alright, if you like to travel and wanna get them miles built up. The $95 annual fee is not really my favorite thing in the world because there are so many cards that have no annual fee what so ever. It's got some nice incentives though with the 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening. Now, $2,000 in the first three months may seem like a lot, but 50,000 Avios is a lot as well and if you travel a lot you probably can afford it anyways and it saves you money in more
Photo of Nicole A.
Nov 17, 2013
British Airways is part of the One World Alliance. If often using American Airlines, Cathay Pacific or British Airways, this British Airways Credit Card is a good deal. If using this card to rake up miles, you can earn miles fast, with 2.5 and 1.25 miles per dollar spent. The annual fee is $95 which is a lot if not using this card often, but if you do use this card often, you will get more than $95 worth of mileage to be used towards purchase of air flights. The interest rate is at a modest 16%, which is a lot lower than many other cards. If you do travel more
Photo of Emma F.
Nov 13, 2013
The British Airways Visa Signature Card seems like a decent deal. The annual fee of $95 is comparable to other travel cards (like American Airlines and the new PNC travel visa card.) I like the interest rate being around 15% since other cards are usually about 20% to 25%. The initial bonus miles and earn rate are attractive, but again, similar to other offers. I really like the Smart Chip technology since many destinations abroad require this chip. The only downside is that I'm not crazy about earning Avios. The Avios reward system is much more frustrating than the straightforward award system that American Airlines offers. Just make sure it's more
Photo of Haley W.
Nov 13, 2013
I love that this card is a great way to earn miles while spending money at any time. The interest rate is 15.24 (v) currently which is not bad compared to what some other companies offer. Another great perk is that there are no foreign transaction fees when traveling which it great since most people using this card like me are travelers. I also like that there is no fee for going over your limit which can easily happen while traveling. The annual fee is much higher than most other cards though which is a huge downside. I would advise against this card if you are not going to be more
Photo of David M.
Nov 7, 2013
The British Airways Visa Signature Card could be an incredibly useful card for the right person. If you are a traveler who often goes overseas, you should take a good long look at this card and realize that you're unlikely to find better benefits anywhere. The benefits become even better the more money you spend. $30,000 charged in one year automatically leads to a free Travel Together ticket that you can use for two years. This is beyond all of the points and miles (called Avios) that you will accumulate from spending on this account. Besides the great rewards, you have the reliability of the Visa network and the added more
Photo of Sean C.
Nov 1, 2013
The British Airways Visa Signature Card is a very attractive card with a nice bonus of 50,000 Avios after $2000.00 in purchases within the first three months. The value of the British Airways Avios are at least 1.5 cents which is the equivalent of receiving a bonus of $750 for signing up! You also earn a total of 1.25 miles per dollar spent on anything which overall trumps most other airline credit cards like Delta, United or US Airways. Lastly, if you’re a big spender and spend more than $30,000 per year you’ll receive a travel together ticket making this card a steal for anyone who likes to travel!
Photo of Shawn C.
Oct 27, 2013
The British Airways Visa Signature Card looks to be an alright card. The annual fee and annual percentage rates seem to be fairly pricy in comparison to the actual advantages. This card would mainly benefit someone that travels often and more than that, travels abroad more than your average person. No foreign transaction fees would be a great perk. The Travel Together Ticket is a great reward, but unless you're planning on doing some extravagant spending on this card alone, then it doesn't seem like it'd be a realistic goal. All in all, I think this would be a nice card to have, but if you're looking for something with more
Photo of Donald P.
Oct 22, 2013
This card looks to be merely OK. The annual fees are rather high for card that offers no promotional interest rate. I suppose if you used British Airways fairly often or liked them then this card would make sense for you due to the rewards they offer. The first bonus they offer is pretty great but seeing as I don't use British Airways it doesn't help much. The lack of foreign transfer rates is pretty impressive but with the high annual fee it seems to be pretty much a wash. This credit card also seems to have steep requirements to be approved. I personally would continue to use the Bank more
Photo of Dan G.
Oct 16, 2013
This card is a card I would stay away from unless you really want to try it. Initially you might be enticed by the chance for flight rewards and no initial annual fee, but this card is catered to the wealthy. After your first year with this card you will be forced to pay 95$ a year just to keep your service with them. During your use of this card you will want to fly as this is the main benefit of this, but to get some decent rewards you must spend thousands to get anywhere. Anyone may obtain a Travel together ticket every year, but to do so you more
Photo of Alex S.
Oct 11, 2013
This is a decent card. I just don't like the eventual annual fees. The first year has no annual fees, but that year goes by fast. Some travel cards have no annual fees whatsoever. However, if you use BritishAirways or have a fondness toward them, then this card will probably suit you very well, since they do offer some pretty great rewards, and it feels like it's very easy to get bonus points. The initial bonus is awesome as well! But still, I just don't use BritishAirways too much, so this card isn't very useful for me personally, hence why I had to drop 2 stars out of the 5.
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Last updated on: Sep 23rd, 2016 at 4:15 EDT

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