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Saturday, March 28th 2015

British Airways Visa Signature CardŽ

British Airways Visa Signature Card®

Apply for the British Airways Visa Signature Card® credit card by filling out a secure online application.


British Airways Visa Signature Card® Apply for a British Airways Visa Signature CardŽ

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British Airways Visa Signature CardŽ Offer
  • You will get 50,000 bonus Avios after you make $2,000 in purchases within the first 3 months of account opening.
  • New: $0 Intro Annual Fee The First Year, Then $95.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
  • In addition to the bonus Avios, 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.
  • Pay no foreign transaction fees when you travel abroad.
  • 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.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 15.99% Variable $0 Intro Annual Fee The First Year, Then $95 Excellent Credit

 

British Airways Visa Signature® Card

Purchases   Annual Fee : $0 Intro Annual Fee The First Year, Then $95
Intro APR : N/A Credit Needed : Excellent
Intro APR Period : N/A
 
   
Balance Transfer  
Intro APR : N/A
Intro APR Period : N/A
   
Regular APR : 15.99% Variable

British Airways Visa Signature® Card Review

By: Sr. Product Analyst

Last update: March 17, 2015

 

The British Airways Visa Signature card is a smart travel card with simple, straightforward ways to earn rewards that may be redeemed with several different airlines. Here are the details:

Sign-Up Bonus 50,000 bonus Avios when you spend $2,000 in purchases in the first 3 months
Rewards
  • 2.5 Avios per $1 spent on British Airways purchases
  • 1.25 Avios per $1 spent on all other purchases
Annual Fee None (this makes it easy to keep the card year after year)
APR $0 Intro Annual Fee The First Year, Then $95
Credit Needed Excellent
Fees
  • $5 or 3% for balance transfers, whichever is greater
  • $10 or 5% for cash advances, whichever is greater
  • Up to $35 for late and returned payments

In Detail:

  • What are Avios? Avios are British Airways' club currency. Think of it as the equivalent of miles or points in other rewards programs. Accordingly, the BA Executive Club is simply the name of the British Airways frequent flyer program, for which you will be automatically enrolled upon approval for the British Airways Visa.
  • 50,000 Avios are enough for a round-trip from North America to Europe. This is good news, since British Airways has over 200 destinations over 90 countries.
  • There are no earning caps on rewards, and British Airways' leniency on rewards expiration is far more generous than some other travel loyalty cards. You only need to make one active purchase, redemption, or transfer within 36 months in order to retain your Avios.
  • There are no foreign transaction fees, which is particularly useful since this is already a card for a foreign airline. Another considerate perk is that the card is EMV capable, affording you greater security, accessibility, and convenience worldwide.
  • There are no over limit fees and no penalties for returned checks.
  • To avoid paying interest on purchases, note that the British Airways Visa has a slightly shorter runway, with your due date being a minimum of 21 days after the close of your billing cycle, compared to the most often marked 25 days with other cards.


Special Notes:

  • When you spend $30,000 in purchases with your card, you earn a Travel Together Ticket.
  • Though this card is specific to British Airways, Avios may actually be redeemed with any OneWorld alliance partner airlines, which include but are not limited to: AirBerlin, Iberia, Cathay Pacific, LAN, Qantas, and last but not least, American Airlines.
  • A pro-tip is to check partner airlines for cheaper flights before purchasing with British Airways. For example a British Airways flight to Shanghai might cost more than a Cathay Pacific flight to Shanghai.
  • Avios are not to be confused with Tier Points, which are a separate entity earned through travel with British Airways as a way to work up to elite statuses offering additional benefits. Tier Points cannot be spent, and they reset every year.
  • If you would prefer not to spend all your points at once, there is an option to supplement your Avios with cash so you can keep saving for your next reward flight.
  • On its website, British Airways offers multiple tools to help with your travel plans. Not only can you book travel and search for your desired flights, but also view your flight cost in Avios. • Visa signature benefits are applicable to this card.

Areas of Limitation:

In general, most critics agree that travelers will find it more difficult to earn and use points under upcoming changes to the Avios program starting April 28, 2015. While it is arguable that many, if not most travelers will see decreased redemption values as a result of these program changes, there are also benefits that arise - particularly relevant to those who travel first and business class.

Summary:

As a member of the OneWorld alliance, the British Airways Visa Signature carries a well-established rewards program that allows cardholders considerable freedom in redeeming rewards by providing access to multiple airlines. Moreover, a sign up bonus worth a roundtrip flight to Europe, alongside a waived annual fee for the first year, make this a valuable airline card for frequent travelers.

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All reviews are prepared by CreditCards.com staff. Opinions expressed there in are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.


* See the online British Airways Visa Signature® Card application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

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