| Rewards | 3 Avios per $1 spent on British Airways, Aer Lingus, Iberia and LEVEL flight purchases. 2 Avios per $1 on hotel accommodations booked directly with the hotel. 1 Avios per $1 on all other purchases. |
|---|---|
| Signup Bonus | Earn 75,000 Bonus Avios after spending $5,000 on purchases within the first 3 months of account opening. |
| Annual Fee | $95 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.74%. This APR will vary with the market based on the Prime Rate. |
| Cash Advance Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | 19.49%–27.99%. This APR will vary with the market based on the Prime Rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The British Airways Visa Signature Card is best known for its big Avios signup bonus, airline-specific perks, and a $95 annual fee that targets frequent British Airways flyers rather than everyday spenders. It’s not a cash-back card—it’s all about travel rewards and BA loyalty.
Most users say they like the generous intro bonus, solid earning on British Airways purchases, and perks like no foreign transaction fees and the Travel Together Ticket for heavy spenders. Many reviewers mentioned that Avios can be valuable for certain award flights, especially short-haul or partner redemptions.
On the flip side, cardholders often complain about high taxes and surcharges when redeeming Avios on British Airways flights. Others feel the card is less rewarding for everyday spending and that the companion ticket requires a lot of annual spend to unlock.
Personally, I think this card makes sense only if you regularly fly British Airways or actively use Avios. If you want flexible travel rewards or simple cash back, most people will find better value elsewhere.
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