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British Airways Visa Signature® card review

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Advertiser Disclosure

Annual Fee
$95.00
Interest Rate: Purchases
19.74% ‐ 26.74% (Variable)
Interest Rate: Purchases
19.74% ‐ 26.74% (Variable)
Balance Transfer
19.74% ‐ 26.74% (Variable)
Balance Transfer
19.74% ‐ 26.74% (Variable)
Rewards
1 - 3 points
Rewards
1 - 3 points
Signup Bonus
75000 points (after spending $5,000)
Signup Bonus
75000 points (after spending $5,000)


8/10
Informr score
The British Airways Visa Signature® card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 23 sources including reviews from users and the web's most trusted critics.

Am I eligible?


British Airways Visa Signature® card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


NerdWallet
NerdWallet

The British Airways Visa Signature® Card is an OK card, but the loyalty program associated with it can be a real drag. Unless you're a big spender who's fiercely loyal to British Airways or someone who delights in finding inventive workarounds, the airline's punishing carrier charges — even offset b...

- Claire Tsosie, NerdWallet
The Points Guy
The Points Guy

Diversifying your portfolio of loyalty currencies is critical in the world of travel rewards, and the British Airways Visa Signature represents a fantastic way to do just that.

- Ethan Steinberg, The Points Guy
FinanceBuzz
FinanceBuzz

This British Airways Visa Signature Card is great for international travelers. With this card, you’ll earn rewards in the form of Avios. You can use your Avios on oneworld Alliance airlines such as Cathay Pacific, Iberia, and many others. You can also use Avios to book award flights with British Air...

- Brett Holzhauer, FinanceBuzz
Bankrate
Bankrate

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...

- Natalie Campisi, Bankrate
Upgraded Points
Upgraded Points

The British Airways Visa card is a great card with good benefits, but it caters to higher spending individuals. Its biggest benefit, the Travel Together Ticket, is earned after spending $30,000 on purchases in a year. Overall, the card doesn’t earn that many points (Avios) compared to its competitor...

- Alex Miller, Upgraded Points

Details


Interest Rates
Regular APR Interest Rate 19.74% ‐ 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.74% ‐ 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 28.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus 75000 points after spending $5,000
  • On purchases within the first 3 months.
  • Earn an additional 25,000 Avios after you spend $20,000 within the first 12 months of account opening.
Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels 2 points per $1 spent
Travel 3 points per $1 spent

On British Airways, Aer Lingus, and Iberia purchases.

Pharmacy No
Bills No
Additional Details

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.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Up to $600 Reward Flight Statement Credits
  • Automatic enrollment in the Executive Club for new members.
  • 10% off British Airways flights starting in the US when you book through the website
  • Free year of DoorDash DashPass
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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