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
The British Airways Visa Signature® Card credit card is an airline-focused card that promises good value for frequent fliers, especially those who travel internationally. It can also be a good option for customers seeking loyalty status with British Airways or partner airlines.
Updated: December 10, 2024
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- PROS
- Generous welcome offer
- Potential to earn high Avios points
- No foreign transaction fees
- Great travel-specific features
- No penalty APR
CONS- Not recommended outside of earning Avios points
- Annual fee
Introductory Offers
- Earn 75,000 Avios after spending $5,000 in the first three months.
Rewards
- Earn 3 Avios per dollar on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
- Earn 2 Avios per dollar on hotel accommodations booked directly with the hotel.
Perks & Benefits
- Get a 10% discount on British Airways flights from the US when booked through the specified website.
- No foreign transaction fees on international purchases.
- Use contactless payment for fast and secure transactions.
- Earn a Travel Together Ticket after spending $30,000 in a calendar year, valid for two years.
Our methodology while reviewing and comparing credit cards is streamlined and well-defined. We collect information from the Consumer Finance Protection Bureau’s database, standardize data points for fair comparison, determine long-term value, analyze average spending profiles and re-rank regularly.
British Airways Visa Signature® Card Overview
The benefits that come with the British Airways Visa Signature® Card include a welcome offer of 75,000 Avios points after spending $5,000 with your card within the first three months of opening your account. Further, you can earn 3 Avios per $1 spent on purchases with Iberia, British Airways, Aer Lingus, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel. And earn 1X Avios per $1 spent on general purchases.
Important Card Details
Regular APR
The British Airways Visa Signature® Card comes with a moderately high variable APR of 20.74% - 27.74%. There is no introductory APR offer with this card. For cash advances, there is a variable APR of 29.49%. 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: 20.74% - 27.74% 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: 20.74% - 27.74% variable
- International Transaction Fee: 0%
- Welcome Offer: Earn 60,000 points if you spend $4,000 in the first three 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 December 10, 2024.
- Consumer Finance Protection Bureau. "Credit card agreement database." Accessed December 10, 2024.
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