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British Airways Visa Signature Card review

Written by Mortgage reporter Natalie Campisi is a former mortgage reporter at Bankrate. Aug. 29, 2022 Aug. 29, 2022

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British Airways Visa Signature® Card

Rewards rate 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. Earn 1 Avios per $1 spent on all other purchases. Annual fee Intro offer Earn up to 100,000 Avios. Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening and earn an additional 25,000 Avios after you spend $20,000 in the first 12 months of account opening. Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. Editor's note: some of the offers on this page are no longer available.

British Airways Visa Signature® Card overview

For avid British Airways travelers, here's a card that offers big travel rewards for big spending on the airline. With the British Airways Visa Signature® Card, you can earn up to 100,000 Avios: 75,000 Avios after you spend $5,000 within the first three months and an additional 25,000 Avios after you spend $20,000 in the first 12 months. Plus, you can earn a Travel Together Ticket after you spend $30,000 total on purchases within your first year of account opening.

A deeper look into the current card offer

Quick highlights

There is a $95 annual fee. You'll pay a variable APR ranging from 18.99% – 25.99%. The cash advance variable APR is 27.99%. As with many , the British Airways Visa Signature Card offers the most rewards for purchases made through the airline. Cardholders can 3 Avios per dollar on purchases with British Airways, Aer Lingus, Iberia, and LEVEL as well as 2 Avios per dollar on hotel rooms when purchased directly with the hotel and 1 Avio per dollar on all other purchases. Keep in mind, you will be required to pay taxes, fees and carrier charges on this companion ticket, which isn't cheap. Depending on the flight, economy travelers will have to cough up between $682 and $1250 per adult and business class passengers will pay $1250 in taxes and fees. You have two years to use the Travel Together ticket once it's issued. The $95 annual fee seals the deal on this card being designed for frequent swipers. If you don't use your credit card often, you can end up losing money on this card. You'd have to spend about $1,000 on British Airways purchases in the first year and approximately $125 per month in the first year to break even.

Other cardholder perks

International travelers won't have to pay a foreign transaction fee. Every calendar year you make $30,000 in purchases on your British Airways Visa Signature card, you will earn a Travel Together Ticket good for two years. You can earn two Travel Together Tickets within your first year of account opening by spending $30,000 in the first 12 months.

Bankrate s Take Is the British Airways Visa Signature® Card worth it

Unless you mainly travel on British Airways, then there's no real reason to get this card. It's truly designed for the ardent British Airways flier, as they will get the maximum rewards for their purchases through the airline. The $95 annual fee means that you need to spend at least several hundred dollars per month on the card to get value; so if you're traveling on British Airways often then you could end up with some valuable rewards come year's end, such as a free companion ticket. The information about the British Airways Visa Signature® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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Written by Natalie Campisi Mortgage reporter Natalie Campisi is a former mortgage reporter at Bankrate.

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