Card Review & Application

British Airways Visa Signature Card

4.5

out of 5

- You will get 50,000 bonus Avios after you make $1,000 in purchases within the first 3 months of account opening
- 25,000 bonus Avios after you make $10,000 in purchases within the first 12 months of account opening
- Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases also within the first 12 months of account opening
- Together, that's enough Avios for one roundtrip business class award ticket
- In addition to the bonus, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
- Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home
- Pay no foreign transaction fees when you travel abroad
- Every year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 15.24% (variable)*
Annual Fee: $95*
Card Issuer: Chase
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Co-Branded
- Low Interest Rate
- No Foreign Transaction Fee
- Reward Card
Credit Needed: Excellent*

Frequent Flyer programs are among the oldest and most successful affiliate programs in the world. Perhaps this is because everyone can appreciate earning flight vouchers just for using their credit card. If you frequently travel between the United States and the United Kingdom, though, there may be no better program than the one featured by the British Airways Visa Signature Card.

First of all, this card is affiliated with one of the best airlines servicing the United Kingdom. British Airways also has some of the most attractive rewards points programs around, and this card is no different. You can earn more than more points when you use your card towards British Airways reservations as well as points per dollar on all other purchases.

As you can see it is easy to earn points with the Signature Card. You can then use these points on any round trip TransAtlantic flight aboard British Airways. With all of the bonus miles available in the first year, though, you could also earn enough for a second ticket!

With this British Airways Visa credit card, you can also earn more than just airfare for yourself. If you use your card frequently, you might just earn enough points to get a Travel Together Ticket. This is a bonus companion fare that you can earn on top of your personal benefits and it lasts for two years!

Being a credit card that offers travel-based benefits, you may also appreciate that this particular Visa credit card will not charge you foreign transaction fees, like many others do. This means that while you are enjoying earning flight benefits or using your rewards points at millions of merchants across the Atlantic Ocean, you will not have to worry about fees that other cards charge when you use their card. With no foreign transaction fees, you don't have to worry about paying exchange charges or be hassled by traveller's cheques.

The British Airways Signature Visa Card is available to customers in the United States with fair credit. The annual fee is slightly higher than other cards, but the purchase annual percentage rate is quite reasonable. Of course, you can also expect to pay the traditional fees and rates that are common to credit cards.

Since you can use the card for standard purchases, balance transfers, and cash advances, there will be rates associated to them. There are also fees that are associated to balance transfers and cash advances as well. Similarly, penalties fees will also apply for overdrafts, missed payments, late payments, and returned checks.


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Airline Rewards
- Other Rewards
- Travel Rewards
- Universal Rewards
Reward Unit: Point
Rewards: - 50,000 bonus Avios after you make $1,000 in purchases within the first 3 months of account opening
- 25,000 bonus Avios after you make $10,000 in purchases within the first 12 months of account opening
- 25,000 bonus Avios after you make an additional $10,000 in purchases also within the first 12 months of account opening
- 2.5 Avios for every $1 spent on British Airways purchases
- 1.25 Avios for every $1 spent on all other purchases
Expiration: None*
Yearly Limit: None
Other Benefits: * See Terms and Condition of the card
Comments: See website for complete terms and conditions of card usage and application disclosure.
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 15.24% (variable)*
Annual Fee: $95*
Grace Period: 21 Days*
Late Payment Fee: $35.00*
Over Limit Fee: $0.00
Balance Transfer: No
Transfer Fee (%): 5.00%
Minimum Fee: $10.00
APR Cash Advances: 19.24%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees - Foreign Transactions: None
- Late Payment: Up to $35.00
- Over-the-Credit-Limit: None for Signature; Up to $35 for Platinum
- Return Payment: Up to $35.00
- Return Check: Up to $35.00

We do not offer online application for this card at the moment.


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* The information provided for British Airways Visa Signature® Card is believed to be accurate at the time of evaluation (May 19, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.




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