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British Airways Visa Signature Credit Card Review

3 May 2011 by CreditCardsCo™

Most people would agree that credit cards are convenient but they are also wise to carry because they provide some pretty attractive incentives and benefits. Frequent Trans-Atlantic travellers, for instance, will appreciate that the British Airways Visa Signature Card could probably save them a lot of money with all of the benefits provided.

There are many benefits to carrying a credit card. They provide convenient access to cash when you aren't carrying any or when the ticket price is a little steep. They allow you to shop over the phone and online and in other places where you simply wouldn't want to or can't use cash or checks. Credit cards are also ideally important in emergencies where no amount of money is too much to solve a problem as soon as possible.

While these are all well and good, there are several practical and personal products that credit cards can provide you when you choose the one that best suits your particular needs. The British Airways Visa Signature Card from Chase Bank , for example, might be one of the best cards available that helps you earn complementary airfare aboard British Airways Trans-Atlantic travel.

Flight Benefits

For people who want more from their credit card, the most important benefits are those that no other card can provide. For frequent British Airways travellers and for those who consistently find themselves soaring over the Atlantic Ocean, then, the British Airways Visa Card might be the one. It is the only card that lets you:

  • Earn points for every dollar spent
  • Earn twice the points for every dollar spent on British Airways airfare
  • Earn up to 50,000 bonus miles under certain restrictions
  • Earn a bonus Travel Together companion fare aboard British Airways
  • Redeem your points for any round-trip Trans-Atlantic fare aboard British Airways

These, of course, are only some of the benefits you will appreciate with the British Airways Visa Signature Card. You can also take advantage of the fact that you can avoid paying foreign exchange transaction fees when you use your card outside of the United States. Obviously, this saves you a lot of time and money over ordering and writing traveler's checks and dealing with foreign exchange counters.

Other Benefits

Of course, you can't simply use your credit card just to get exclusive features like this. No, it is also important that there are more practical benefits, and the British Airways Visa Signature Card has them as well. Mostly, this comes in the form of highly competitive rates on all three of the types of balances you can carry.

This means that, based on your credit history and the market prime rate at the time of your application, you could enjoy a relatively lower collection of interest rates than other comparable cards on the market at the time. This will pertain to standard purchases, cash advances, and balance transfers as well.


While it is always enjoyable to discuss how a new credit card could benefit you, it is perhaps even more important to understand the fee structure so that you can avoid them at all costs. After all, saving money with complementary airfare will mean nothing if you are constantly hit with returned check charges. There are several fees that you are associated with this card:

  • Annual fee
  • Late payment fee
  • Over-limit fee
  • Returned payment fee
  • Returned check fee
  • Balance transfer fee
  • Cash advance fee

The annual fee is probably the only fee that you cannot avoid, and it is slightly higher than other cards in the same category. You can also avoid the balance transfer and cash advance fees if you simply choose to neglect those services. However, should you choose to use them you should know that the fees are competitive among other cards in the category.

This means, then, the other fees are like penalties and can be avoided as long as you make consistent payments. You can also avoid paying interest if you pay your balance off in full within 21 days of purchase.

Final Word

The British Airways Visa Signature Credit Card offers many benefits to credit card holders, but especially to those who frequently travel between the United States and European countries. This is because of the collection of attractive and exclusive flight incentives with British Airways. Other benefits include the waiving of foreign exchange fees.

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