|Highlights||Credit Card Feature|
|Things We Like||Earn 4 Avios for every $1 spent on all purchases within your first year up to $30,000|
|Our Least Favorite||No low intro APR period|
|Our Verdict||Great card for earning bonus Avios on British Airways purchases|
British Airways, together with Chase (JPM), are now offering an amazing offer for new US sign-ups to their British Airways Visa Signature® Card. As an attractive credit card bonus you can earn 4 Avios for every $1 spent on all purchases within your first year up to $30,000. That's up to 120,000 bonus Avios! To be approved for this Visa (V) card, you need a good to excellent credit score.
Things We Like About British Airways Visa Signature® Card
Earn 4 Avios for every $1 spent on all purchases within your first year! New sign-ups can earn 4 Avios for every $1 spent on all purchases up to $30,000 in the first 12 months from account opening. After that you will then earn 3 Avios for every $1 spent on British Airways purchases and 1 Avios for every $1 spent on all other purchases. There isn't any limit to the amount of Avios points you can earn. Avios points can be redeemed for flights on British Airways, partner airlines (including American Airlines) or flight upgrades.
This card has no foreign transaction fees, which means that when you use it to pay outside of the U.S. you won't pay a fee for the currency conversion. Most cards charge 3% of the transaction amount.
Every calendar year you'll receive a Travel Together Ticket for a companion that's valid for two years, when you spend $30,000 on your British Airways Visa card within that year. Watch out! After reading the fine print, I found out that first of all, you must be a member of the BA Executive Club (its frequent flyer program), which isn't a problem as you'll automatically be enrolled as a member when you sign up for this card, and secondly, you only get this companion ticket (in the form of a voucher) if you book your own British Airways flight (not on codeshare, franchise or alliance airlines) by redeeming accumulated Avios points. This means that you will need to earn enough points to cover your own flight before you can take advantage of this great offer. Both the cardholder and the companion must travel together on the same outbound and return flight, and they must be booked at the same time. It's also "subject to availability". Taxes, fees and carrier charges can come to nearly the cost of the ticket, which makes this companion ticket a less attractive perk than it would seem. But the good news is that your travel companion's ticket will match yours, so if you have enough points to redeem for a business class ticket, your companion will fly business class with you, in which case the companion ticket would still be a good deal, even considering the money you spend on fees and taxes.
This card comes with chip technology which also lets you use your card in Europe and other destinations for chip based purchases. Plus, there are no foreign transaction fees when you use your British Airways Visa card to make purchases when overseas.
Contactless Card. It's easier than ever to pay with this card, simply look for the contactless symbol at checkout and tap to pay with your contactless British Airways Visa Signature® Card.
Our Least Favorite Things About British Airways Visa Signature® Card
The $95 annual fee which you have to pay. Most frequent flyer credit cards from other airlines have similar fees, but there are other travel cards which don't.
No introductory offer on balance transfers or purchases. From the time you sign up, the 18.24% - 25.24% variable APR applies for both balance transfers and purchases. To avoid paying any interest on your purchases, make sure to pay in full by the due date every month.
How Other Cards Compare With British Airways Visa Signature® Card
|Regular APR:||17.99% - 24.99% Variable|
|Regular APR:||17.74% - 24.74% Variable APR|
|Annual Fee:||$95 annual fee|
Depending on how you spend, the welcome offers you get with British Airways Visa Signature® Card are some of the best around.
This card has a $95 annual fee, and considering the good rates of Avios for various purchases, and the companion ticket perk, you can definitely get back your money's worth if you spend a fair amount with this card. If you already fly British Airways, the current offer is truly a hard-to-come-by deal. However, if you don't expect to spend a lot on British Airways purchases, or if you prefer to keep your options open, then a more flexible travel card might be a better choice.
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