In this review of the British Airways Visa Signature® Card credit card, we take a look at its features to help you determine if this is the right credit card for you. This co-branded British Airways card can be a good option for those who spend heavily on international travel and dining. With an excellent bonus offer and a generous rewards scheme, you can quickly earn points for travel. You can also use this card to fast-track your loyalty status with the British Airways membership program.
MoneyGeek’s Take
British Airways Visa Signature® Card Review
Updated: July 11, 2024
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British Airways Visa Signature® Card
Rewards Rate
Earn 3X Avios on British Airways, Aer Lingus, Iber...APR
21.49% – 28.49% VariableAnnual Fee
$95Recommended Credit
670-850 (Good to Excellent)- If you use British Airways frequently, you might benefit by getting the British Airways Visa Signature® Card. You earn 3 Avios points per $1 spent on flight purchases through British Airways, Aer Lingus and Iberia and LEVEL, and 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
You get a 10% discount on British Airways flights that originate in the U.S. when you book through the Chase-specified website. If you spend $30,000 on purchases in a year, you get a complimentary Travel Together Ticket that remains valid for two years.
While this card comes with no foreign transaction fee, it charges a $95 annual fee. Additional benefits include purchase protection, extended warranty, baggage delay insurance and lost luggage reimbursement.
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British Airways Visa Signature® Card Overview
The benefits that come with the British Airways Visa Signature® Card include a limited-time welcome offer of 75,000 Avios points after spending $5,000 or more with your card within the first three months of opening your account and 5x Avios on up to $10k in gas, grocery stores, and dining purchases for first 12 months. Further, you can earn 3x Avios points for every dollar spent with British Airways and partner airlines like Iberia, LEVEL and Aer Lingus. Hotel bookings earn 2x Avios per dollar.
Quick Take
- Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening
- 10% discount while booking British Airways flights
- 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.
- Spend Avios points with Oneworld Alliance partners
Important Card Details
Regular APR
The British Airways Visa Signature® Card comes with a moderately high variable APR of 21.49% – 28.49%. There is no introductory APR offer with this card. For cash advances, there is a variable APR of 29.99%. However, there is no penalty APR associated with this card, although any late fee will still apply.
Annual Fee
The card charges an annual fee of $95.
Other Charges
For balance transfers, the card charges $5 or 5% of the amount of the transfer, whichever is greater. For cash advances, the charge is $10 or 5% of each transaction, whichever is greater.
Additional Benefits
With the Chase British Airways Visa Signature card, you can expect several other features and benefits, including:
- Access to events: As a cardholder, you have access to special events and experiences through Above and Beyond events. These can include luxury hotel stays, special tours and more.
- Reimbursement for lost luggage: If any of your luggage, including checked and carry-on luggage, is lost or damaged during transit, you can claim reimbursement to offset the loss up to $3,000 per passenger.
- Delay insurance: If your baggage gets delayed by more than six hours, you are eligible for a daily reimbursement of $100 for essential purchases for a maximum of three days.
- Zero foreign transaction fees: If you travel frequently to international locations, you can use this card for foreign purchases without worry, as there is no fee for foreign transactions.
- Other benefits: With this card, you also get purchase protection coverage, secondary rental car insurance and extended warranty support for purchases made with the card.
- Security features: The card comes with zero liability protection for fraud. You will not be liable for fraudulent purchases as long as you report any suspected fraud immediately.
- Customer experience: Chase earned an excellent score on the Credit Card Satisfaction Study 2020 conducted by J.D. Power. This means that you can expect a seamless customer experience. The card also supports touch-to-pay technology.
How the British Airways Visa Signature® Card Compares To Other Cards
While the British Airways Visa Signature® Card provides good value for frequent fliers who prefer British Airways, you can compare it with competing cards to ascertain whether this would be a good choice for you.
How the British Airways Visa Signature® Card Compares
British Airways Visa Signature® Card
- Annual Fee: $95
- APR: 21.49% – 28.49% variable
- International Transaction Fee: 0%
- Welcome Offer: Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening
- Best for: Frequent international travelers using British Airways and partners
Chase Sapphire Preferred Card
- Annual Fee: $95
- APR: 21.49% – 28.49% variable
- International Transaction Fee: 0%
- Welcome Offer: Earn 60,000 points if you spend $4,000 in the first 3 months
- Best for: Frequent international travelers who want more freedom with rewards
Frequently Asked Questions
What is the average credit score needed to get approved for British Airways Visa Signature® Card?
You need to have a good to excellent credit rating to get approved.
Does British Airways Visa Signature® Card report to all three credit bureaus?
Yes, the card reports to all three credit bureaus.
Is the British Airways Visa Signature® Card application process lengthy? Can you prequalify?
The application process is simple and quick. You can apply on the company website.
What information is needed to apply for British Airways Visa Signature® Card?
To apply, you need to provide personal information like your name, date of birth, address and Social Security number along with relevant financial information.
Does British Airways Visa Signature® Card have good customer service or satisfaction?
Chase scores high on customer satisfaction. You can access support through the 24/7 helpline or through their website or mobile app.
Does British Airways Visa Signature® Card have a mobile app or the option to pay or manage your account online?
You can use the Chase mobile app to pay or manage your account.
Does British Airways Visa Signature® Card raise credit limits automatically or charge for limit increases?
You can write to the company to request an increase in your credit limit. Any credit limit increases are free of charge.
Does British Airways Visa Signature® Card offer the options to freeze your credit/account or have other security features?
You can lock and unlock the card from your mobile app. It also comes with contactless operation and zero liability for fraudulent charges.
Does Chase offer other credit cards besides British Airways Visa Signature® Card?
Chase offers several other credit cards, including Chase Sapphire Preferred Card and Ink Business Preferred® Credit Card, among others.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
sources
- Chase Credit Cards. "British Airways Visa Signature card." Accessed September 4, 2021.
- Consumer Finance Protection Bureau. "Credit card agreement database." Accessed September 4, 2021.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.