British Airways Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The British Airways Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubHigh rewards rate75,000 points initial rewards bonusNo foreign feeMembership feesNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
British Airways Credit Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing British Airways Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, British Airways Credit Card earned a score of 2.9/5 for Fees, 1.7/5 for Rewards, 5.0/5 for Cost, and 3.7/5 for User Reviews. Info about the British Airways Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
328 reviewsRead and write reviews
Editor’s Review
3.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
2.9
Rewards
1.7
Cost
5.0
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$95
APR on Purchases
21.49% - 28.49% (V)
Balance Transfer
APR: 21.49% - 28.49% (V)
Balance Transfer Fee:5% (min $5)
Rewards
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 3 Avios for every $1 spent on purchases made directly with British Airways, Aer Lingus, Iberia, and LEVEL, 2 Avios for every $1 spent on hotel accommodations booked directly through the hotel and 1 Avios for every $1 spent on all other purchases.
Every calendar year you make $30,000 in purchases on your Card, you will earn a Travel Together Ticket good for two years or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.
Redeem Avios points on British Airways, American Airlines, Aer Lingus, Cathay Pacific, Iberia, Qantas, Qatar Airways and all of the other oneworld carriers. Terms apply.
Receive statement credits of $100 (Economy and Premium Economy) or $200 (Business and First Class) when you book a reward flight to London with British Airways (3 times/year, up to $600).
Take 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
Refer friends and earn up to 50,000 Bonus Avios for friends who get the British Airways Credit Card. Terms and conditions apply.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
British Airways Credit Card's Additional Info
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If approved for an account, your credit access line will be at least $5,000.
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Benefits: Purchase Protection, Extended Warranty Protection, Lost Luggage Reimbursement and Baggage Delay Insurance.
Competitive initial bonus. The British Airways Credit Card offers 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening. And that’s on top of the regular ongoing rewards. That’s comparable to what you’d get from the best credit card deals available these days, especially since Avios points are worth 1.88 pennies apiece, according to WalletHub research. But this bonus package isn’t worth committing to a single airline.
Not worth the annual fee. At $95 per year, the British Airways Rewards Card is more expensive than most of the best travel cards and costs about five times as much as the average credit card, market-wide. So you’d expect some market-leading rewards in return, right? Unfortunately, it doesn’t work out that way.
Problematic regular rewards. This Avios rewards credit card gives you 3 points per $1 on British Airways purchases and 2 points per $1 spent on hotel accommodations booked directly through the hotel. All other purchases yield 1 point per $1. That works out to 1.88% to 5.64% “cash” back according to WalletHub’s research into the average redemption value of an Avios point. Considering that the average cash rewards credit card gives you 1.17% back, it’s clear the British Airways Card is only good for British Airways purchases, if anything. And since Avios points are notoriously difficult to redeem, you’re probably better off with a different offer.
Traveling together is nice, just not with this card. A good travel companion is hard to find, and you’ll have to keep looking because the British Airways Card’s companion-ticket deal doesn’t quite do the trick. Cardholders who spend at least $30,000 in a calendar year get a complimentary “Travel Together Ticket,” which is good for an extra seat on a flight booked with Avios points.
Out-of-whack APR. You’re likely to be assigned an APR towards the high end of the range if you have good credit (the minimum required) and a rate at the low end if you have excellent credit. That’s important because the average credit cards for people with good and excellent credit charge 24.1% and 18.01%, respectively, according to WalletHub research. So don’t carry a balance from month to month with the British Airways Card, unless you feel like overpaying on interest.
Good credit required, despite a bad reputation. Given that you generally need good or excellent credit to get approved, it’s probably a good idea to check your credit score before applying. You should also read some of the British Airways Credit Card reviews below, as it bears noting just how little former users think of the offer.
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Compare The British Airways Credit Card vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.3
User Reviews
3.7
Market Comparison
3.5
fees: 2.9
rewards: 1.7
cost: 5.0
Other Features: 0.0
3.4WalletHub Rating
WalletHub Rating
3.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.3
User Reviews
3.9
Market Comparison
3.3
fees: 2.5
rewards: 3.4
cost: 3.6
Other Features: 0.0
3.8WalletHub Rating
WalletHub Rating
3.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about British Airways Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
No, the British Airways Credit Card 100k bonus is no longer available. New cardholders currently get 75,000 Avios after spending $5,000 in the first 3 months – worth roughly $1,410 when redeemed for travel.
The bonus should post to your account within 6 to 8 weeks after you meet the spending requirement. Just keep in mind that this offer is only available to new cardholders. You're not eligible if you have earned this bonus in the past 24 months, either.
The British Airways Credit Card's signup bonus is 75,000 points. You can earn this bonus after spending $5,000 in the first 3 months of account opening. In addition, the card also offers 1 - 3 points per $1 spent on purchases.
Here's what the British Airways Credit Card currently offers:
Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 3 Avios for every $1 spent on purchases made directly with British Airways, Aer Lingus, Iberia, and LEVEL, 2 Avios for every $1 spent on hotel accommodations booked directly through the hotel and 1 Avios for every $1 spent on all other purchases.
Every calendar year you make $30,000 in purchases on your Card, you will earn a Travel Together Ticket good for two years or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.
Redeem Avios points on British Airways, American Airlines, Aer Lingus, Cathay Pacific, Iberia, Qantas, Qatar Airways and all of the other oneworld carriers. Terms apply.
Receive statement credits of $100 (Economy and Premium Economy) or $200 (Business and First Class) when you book a reward flight to London with British Airways (3 times/year, up to $600).
Take 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
Refer friends and earn up to 50,000 Bonus Avios for friends who get the British Airways Credit Card. Terms and conditions apply.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
Note that British Airways Credit Card isn't the best airline credit card option on the market. That's because the British Airways Credit Card requires at least good (700+) credit for approval, has a 21.49% - 28.49% (V) regular APR, and a $95 annual fee.
The British Airways Credit Card offers rental car insurance as a free benefit. British Airways Credit Card rental car insurance covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges. Cardholders are covered up to the actual cash value of the vehicle. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with a British Airways Credit Card or either cash back or points.
Yes, the British Airways Credit Card does use chip-and-PIN technology. A chip and PIN credit card contains a small computer chip and gives users a 4-digit personal identification number (PIN) to enter when making purchases. If you do not receive a PIN from the issuer along with the card, you can set it up online.
You can also check out our editors' latest picks for the best chip and PIN credit cards on the market to weigh your options.
The easiest way you can apply for the British Airways Credit Card is online. Alternatively, you can apply in person, at a local branch. Unfortunately, you cannot apply for this card over the phone.
How to Apply for the British Airways Credit Card Online
Visit the British Airways Credit Cardwebpage and click on “Apply Now.”
Type your name and address, income and employment information, contact details, and Social Security Number (SSN).
Your British Airways credit card Avios (their version of miles) can be redeemed for travel on airlines in the Oneworld alliance which is a global partnership made up of 13 airlines. Oneworld is one of the 'Big 3' alliances, with the other two being the Star Alliance and SkyTeam.
Some of the airlines it includes are American Airlines, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LATAM, Malaysia Airlines, Qantas, Qatar Airways, Royal Jordanian,...
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.
Yes, British Airways has a credit card, more specifically the British Airways Credit Card. The card offers 1 - 3 points per $1 spent on purchases and comes with a $95 annual fee. The British Airways Credit Card also requires good credit or better for approval.
The British Airways Credit Card might be a good option if you fly with British Airways often. Another thing to point out is that the card is issued on the Visa network, which means that you can use it virtually everywhere in...
The British Airways Credit Card is issued by Chase Bank, an FDIC-insured bank with over 4,700 branches and 16,000 ATMs across the United States.
The British Airways Credit Card is a travel credit card meant for people with good credit or better. This card offers cardholders 1 - 3 points per $1 spent on purchases, and it has an annual fee of $95.
Share your insights and review for the British Airways Credit Card
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20%
4
48%
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8%
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4%
3.7
328 reviews
328 reviews
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Lisa Tramontana @ltramont
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1 Star Rating
Verified Customer
20 years I had this card. My husband and I both used it, but it was mainly my card. I had had medical issues for, pretty much that entire time, but used the card for online purchases, gas, etc. and paid their $95 "fee". 2019--I was well enough, finally, to take an overseas vacation for our 20th Anniversary--a second Honeymoon. It was then we found out that our points were worthless. We could use only a handful TOWARD our BA tickets--ending up paying over $1200 for BA flights. Well, we thought, after 20 years of dedication with this damn card--and the specialness of our trip, we figured we'd certainly qualify to use our points for an upgrade to Business Class. Nope. I even wrote a physical letter to their CEO, pleading for help. His associate got back to us with a big "NO". I asked what we were supposed to do with all the points we'd accrued if we didn't qualify for tickets or upgrades. Got a (not even a kind) non-answer. The day of our flight, we noted there were open spots in Business Class (we'd been told they were booked up).This card is trash. In the future if a non-stop BA flight is available, I'd rather take a 5 stop/layover set of flights than give BA our business. What happened to them? Back when we got the BA Visa, they were an excellent airline.
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imedjoanna @imedjoanna
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1 Star Rating
This card is a rip off. The companion complementary "free" ticket is a fiction. The sits are never available and if they somehow are you pay way more in the fees and taxes than for a regular airline ticket. I was using it for hotels, but got ripped off for $800.- I booked a hotel partially with Avios and my card, but had to leave the hotel two days sooner for a documented medical emergency. The hotel would refund me on spot, but could not, because I used this British Airways Avios "reward" program. They referred me back to the card customer relations unit, which did nothing to refund me neither in avios nor cash. I got simply penalized for using this card and lost not only vacation, but money.
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Sheila Sanders @sanders_sheila
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4 Star Rating
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.
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adam @flame
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4 Star Rating
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.
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Chett Elderson @chette1
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4 Star Rating
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 a specific airline rather than a travel website. They're pretty comparable though so you can't pick wrong.
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Rebekah White @rebekah.white.3386
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4 Star Rating
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.
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Khan Khan @omran.khan.376
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3 Star Rating
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.
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Sarah Bolton @sarah_bolton_5201
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4 Star Rating
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!
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John Smith @johns1
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4 Star Rating
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.
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Brian Gantz @briancgantz
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2 Star Rating
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). By the interest rate alone I would reject the card being an average consumer, but I could see this being useful to someone who both travels and uses their card frequently.
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