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British Airways Credit Card

Rewards328Reviews12Q&AContact

Excellent Credit, Good Credit

Annual Fee

$95

Rewards

Earn 75,000 bonus Avios after you spend $5,000 on purchases within the first 3 months of account opening. Plus, earn an additional 25,000 bonus Avios after you spend $20,000 total on purchases within your first year 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.

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.

APR on Purchases

20.24% - 27.24% (V)

Balance Transfer

APR: 20.24% - 27.24% (V)

Balance Transfer Fee 5% (min $5)

WalletHub Review

by John Kiernan

January 24th, 2023

British Airways Credit Card Pros & Cons

High rewards rate

75,000 points initial rewards bonus

No foreign fee

Membership fees

No intro APR on purchases

No intro APR on balance transfers

Requires good/excellent credit

British Airways Credit Card Review

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,... show more

View 328 User Reviews

British Airways Credit Card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

29.24% (V)

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

$40

max overlimit fee

max penalty APR

29.99% (V)

grace period

21 days

If approved for an account, your credit access line will be at least $5000.

Benefits: Purchase Protection, Extended Warranty Protection, Lost Luggage Reimbursement and Baggage Delay Insurance.

Questions & Answers

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.

Is the British Airways credit card 100k bonus still available?

Upvotes

Jane Cogli, WalletHub Credit Card Advisor

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 $1,447 when redeemed for British Airways airfare.

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 for new cardholders. You're not eligible if you have earned this bonus in the past 24 months.

Other British Airways Credit Card Benefits

Ongoing rewards: With this card, you can earn 3 Avios per $1 spent with British Airways, Aer Lingus, Iberia and LEVEL, 2 Avios per $1 spent on hotels, and 1 Avios per $1 spent on all other purchases.
Up to $600 reward flight statement credits: Receive statement credits of $100 - $200 up to three times per year when you book flights to London with British Airways. Keep in mind that you need to pay taxes, fees, and carrier charges with the British Airways Credit Card to be eligible.
Companion ticket: Every calendar year you make $30,000 in purchases on your card, you will earn a Travel Together Ticket good for two years.
10% off exclusive offer: Take 10% off British Airways flights starting in the U.S. when you book through the website provided in your welcome materials.
Plenty of redemption options: You can redeem your points for British Airways airfare, hotel stays, car rentals, and other travel purchases. Plus, you can also use them for flights on other oneworld Alliance airlines. That includes American Airlines, Alaska Airlines, Cathay Pacific, and more.
0% foreign transaction fee: You will be charged a foreign transaction fee when you make purchases in another country or online through an internationally based merchant.
Travel benefits: This card offers baggage delay insurance and lost luggage reimbursement.
Purchase benefits: These benefits include extended warranty coverage and purchase protection.

It is also worth noting that the British Airways Credit Card has a $95 annual fee and requires at least good credit for approval.

Alternative Credit Card Option with a 100k Bonus

Although there aren't any airline credit cards that offer a 100k bonus at the moment, there are several other credit cards that do offer such a bonus.

What's the British Airways Credit Card signup bonus?

Upvotes

Maria Adams, Credit Cards Moderator

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...

How does the British Airways Credit Card rental car insurance work?

Upvotes

Saul Allen

The British Airways Credit Card rental car insurance works if you decline the rental car agency's insurance and charge the entire rental to your Visa Signature card. It provides collision and theft insurance up to the value of the car.

What's covered:

Physical damage and/or theft of...

Does the Chase British Airways Visa use chip and PIN technology?

Upvotes

Melody Walters

No, Chase British Airways Visa does not use chip-and-PIN technology, it uses the chip-and-signature technology.

This means there is an embedded chip, but your signature is needed to complete transactions.

If you're interested in chip-and-PIN cards from other issuers, check out this list.

What airlines can I use my British Airways Credit Card points on?

Upvotes

WalletHub

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.

...

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

Upvotes

WalletHub

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.

Can you pay bills with this card?

Upvote

Does British Airways have a credit card?

Upvotes

John Miller, Credit Cards Moderator

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...

What bank issues the British Airways credit card?

Upvotes

John Miller, Credit Cards Moderator

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...

How do I apply for the British Airways Credit Card?

Upvotes

Maria Adams, Credit Cards Moderator

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...

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Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR20.24% - 27.24% (V)

Rewards Rate1 - 3 points / $1

Rewards Rate1 - 2 points / $1

Rewards Rate1 - 3 points / $1

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British Airways Credit Card Reviews

Share your insights and review the British Airways Credit Card

3.7

What's Your Rating?

imedjoanna
November 2, 2016 • @imedjoanna

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.

Comment

Sheila Sanders
September 16, 2015 • @sanders_sheila

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.

Comment

adam
June 10, 2015 • @flame

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.

Comment

Chett Elderson
May 8, 2015 • @chette1

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.

Comment

Rebekah White
April 6, 2015 • @rebekah.white.3386

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.

Comment

Khan Khan
March 20, 2015 • @omran.khan.376

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.

Comment

Sarah Bolton
March 5, 2015 • @sarah_bolton_5201

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!

Comment

John Smith
February 18, 2015 • @johns1

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.

Comment

Amir Şervatdjoo
February 4, 2015 • @amir

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 book a round trip flight to Dubai on those very same days for $775 total. In the past 4 years I paid $400 in annual fees and used this card more than any other card. Now feel like a complete idiot and completely robbed. Please do yourself a favor and don't get this card. I guarantee you will regret it. I will leave this review everywhere I can so others don't make the mistake I did.

Comment

Sanjay Khanna
February 21, 2015 • @sanjay.khanna.9469

Could you use your points on American Airlines? Please reply.

Comment

Caleb Kurtz
March 16, 2015 • @caleb.kurtz

You can book with partner airlines on BA.com and not pay fuel surcharges or extra fees. IE: you can book a flights from LAX to HNL for only 25,000 avios.

Comment

Brian Gantz
January 8, 2015 • @briancgantz

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.

Comment

Review British Airways Credit Card

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British Airways Credit Card

British Airways Credit Card

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