Chase
British Airways Visa Signature® Credit Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 75,000 Bonus Avios |
| Rewards Rate | 1x-3x Avios |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Network | Visa |
About this card
The British Airways Visa Signature® Credit Card is a good, specialized travel rewards card, best suited for frequent British Airways or Oneworld alliance flyers who consistently pay their balance in full. Its overall rating of 3.4 reflects a strong performance in its core purpose (rewards and fees for its target audience) significantly offset by a major drawback in its APR. **Strengths:** The card truly shines in its rewards program (rated 4.0/5.0) and fee structure (rated 4.1/5.0) for its specific niche. The generous 75,000 Avios sign-up bonus offers substantial initial value. Earning 3 Avios per dollar on British Airways, Aer Lingus, and Iberia flights, and 2 Avios on direct hotel bookings, provides excellent returns for loyalists. Crucially, the card's new benefit of up to $600 in Reward Flight Statement Credits annually directly addresses the long-standing issue of high taxes and surcharges on British Airways award flights, significantly enhancing the value proposition of Avios redemptions. This benefit also makes the $95 annual fee quite reasonable, as it can be easily offset. The absence of foreign transaction fees is another major plus for an international travel card. Furthermore, the Travel Together Ticket, while requiring a high $30,000 annual spend, offers immense value for premium cabin travelers. The card also benefits from the strong reputation of its issuer, Chase (rated 4.1/5.0). **Weaknesses:** The most significant detractor is the card's very poor APR rating of 1.5/5.0. With a variable regular APR ranging from 19.24% to 27.74% and no introductory APR period, this card is exceptionally expensive for anyone carrying a balance. This high interest rate can quickly negate any value gained from rewards, making it essential for cardholders to pay their statement in full each month. Additionally, while the card is excellent for its niche, it lacks the broader flexibility or common travel-day perks (like free checked bags or lounge access) found in some other travel cards. **Conclusion:** For a highly disciplined traveler who frequently flies British Airways or its partners, can maximize the Avios earning and redemption (especially leveraging the $600 statement credits), and always pays their balance in full, this card offers substantial value. However, the exceedingly high APR is a significant financial risk for those who might carry a balance, preventing it from achieving a higher overall rating despite its strong niche benefits. It’s a specialized tool that performs very well for its intended user under specific conditions, but its high cost of borrowing limits its broader appeal.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Luxury travel perks
- Travel and purchase protections
- Dining/delivery perks
Things to consider
- Annual fee
- High regular APR
- No intro APR period
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn 75,000 Bonus Avios
- Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Rewards
- Earn 3 Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases.
- Earn 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel.
- Earn 1 Avios for every $1 spent on all other purchases.
Other features
- 10% Off On British Airways Flights — Take 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
- Up to $600 Reward Flight Statement Credits — Receive statement credits of $100 for Economy and Premium Economy - or $200 for Business and First Class seats - three times per year, up to $600, when you book a Reward Flight travelling on British Airways and pay taxes, fees and carrier charges with the British Airways Visa Signature® Credit Card.
- Use your Travel Together Ticket — Earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.
- No foreign transaction fees
- Baggage Delay Insurance — Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Purchase Protection — Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Lost Luggage Reimbursement — Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Extended Warranty Protection — Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Contactless - Just Tap To Pay — For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- Use Avios to Save — You can use your Avios to pay for your taxes, fees, and carrier charges for your Reward Flight when you call the number on the back of your card to book your flight.
- Apply for a card, use it the same day — Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- DoorDash — Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Chase Pay Over Time — After purchase (formerly My Chase Plan): Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months.
- Chase Pay Over Time — At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
Additional Notes
Oneworld alliance: Avios can be redeemed for Reward flights on British Airways and its airline partners to over 900 destinations worldwide.