British Airways Credit Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:$95
- Network: VISA
- Rating:
Miles - Airline Specific
| Initial Bonus 50,000 miles |
Base Earn 1.25 miles / $1 |
Max Earn 2.5 miles / $1 |
Earn / Redeem Limit No |
- Earn 50,000 Avios - 25,000 Avios after your first purchase plus an additional 25,000 bonus Avios when you spend $2,500 in the first 90 days.
- Earn 2.5 Avios for every dollar spent on British Airways purchases.
- Earn 1.25 Avios for every $1 spent on all other purchases.
- Every year you spend $30,000 on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 14.24% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate14.24% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 19.24% (V) |
Cash Advance Fee 5% (min $10) |
- Pay no foreign transaction fees when you travel abroad.
- Max Late Fee: $35
- Max Overlimit Fee: $35
- Max Penalty APR: 29.99% (V)
- Grace Period: 21 days
- Online Response: No
- Foreign Transaction Fee: None
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The British Airways Credit Card is an interesting product to watch, even if you don’t regularly fly with BA. While this would seem to violate the cardinal rules of rewards credit card selection (that you should only get a travel rewards card if you travel often and a card tied to a specific airline if you fly exclusively with it), the British Airways Card has proven to have some of the most attractive initial rewards bonuses available. As of now, you can score a free transatlantic flight by opening this card, which has a $95 annual fee, and spending $2,500 in the first three months. This alone is a good deal, but consider the fact that British Airways and Chase (the British Airways Credit Card’s issuer) have offered 2 free transatlantic flights for a limited time before and your interest in the card will certainly increase. Sure, there is no guarantee 2 free flights will be offered again anytime soon, but its something to watch out for, and one free flight is a pretty decent consolation prize. This is not to say that the British Airways Credit Card is only beneficial to consumers interested in nabbing an initial bonus and then closing their accounts. It also offers 2.5 British Airways Miles for every $1 you spend with the air carrier, 1.25 miles on everything else and a free companion ticket for every year that you spend $30,000 on the card. Plus, it doesn’t have foreign transaction fees, making it well suited to overseas travel. It is important to note that the BA Credit Card is a Visa Signature Card, which means it has the No Preset Spending Limit feature. You must be careful with this type of card because Chase probably won’t tell you what your spending limit is and might report misleading credit utilization to the major credit bureaus. You don’t want 1-2 free flights to cost you credit standing or make it difficult to plan large purchases, so inquiring with Chase about its NPSL policies before applying for the British Airways Credit Card is a good idea.