The British Airways Visa Signature Credit Card is a versatile travel rewards card that offers a variety of features and benefits for customers who travel often. Cardholders earn Avios for every purchase spent on British Airways and other qualifying airlines as well various other benefits, including no foreign transaction fees, rental car insurance, purchase protection, and extended warranty protection.
The Essentials of the British Airways Visa Signature® Card
- APR: Variable 17.49% – 24.49%
- Annual fee: $95
- Primary Feature: 3 Avios per dollar spent on qualifying airlines, 2 Avios per dollar spent on hotel accommodations, and 1 Avio per dollar spent on all other purchases.
- Introductory Bonus Offer: Earn 50,000 bonus Avios after spending $3,000 or more on purchases within the first 3 months of card activation. An additional 50,000 bonus Avios can be earned after spending $20,000 on purchases during the first year of account activation.
What’s Interesting about the British Airways Visa Signature® Credit Card
One of the British Airways Visa Signature Credit Card’s defining features is its significantly sizable sign-up bonus offers. The card offers a generous 50,000 Avios reward when spending $3,000 or more on credit card purchases made within the first 3 months of opening an account. For customers who are able to reach even higher spending thresholds, the British Airways Visa Signature card allows cardholders to earn an additional 50,000 bonus Avios, leading to a total reward bonus value of $1,000 within the first year. When it comes to the card’s reward-earning potential, customers can earn 3 bonus Avios per dollar spent on British Airways purchases and 1 Avio on every other purchase. Other than the travel reward Avios, the British Airways Visa Signature card offers a bunch of other great perks. Each year, when cardholders make $30,000 in purchases, they’ll receive a Travel Together Ticket, which equates to a complimentary companion airfare ticket valid for 2 years from the issue date. Cardholders will also save 10% on all British Airways flights using regularly extended promotional codes as well as no foreign transaction fees.
Things to Consider
While it is a great travel rewards card, the British Airways Visa Signature Card isn’t the best solution for customers who don’t intend to travel or use the card regularly. This is due to the card’s large-scale purchasing incentives, which are designed to reward customers who spend larger amounts on purchases throughout the year. The value of the card shines when customers can meet all the purchase requirements necessary to be eligible to receive the bonus Avios offers. Unfortunately, these requirements are pretty hefty, and customers who aren’t willing to spend at least $20,000 a year with the card may want to consider other options. Unlike many other travel rewards cards, the British Airways Visa Signature Card doesn’t have an introductory APR, and customers will need to pay a $95 annual fee. The card also doesn’t offer any membership credits or discounts toward airport lounge access or memberships — cardholders will still need to pay full price.
How to Get the Most from this Card
In order to get the most out of the British Airways Visa Signature Card, it’s beneficial for customers to use their card on all of their large-scale and airfare purchases. While cardholders are still rewarded for using their card with other supported airline partners, making purchases on British Airways flights offers the best rewards. The Travel Together Ticket bonus is another great perk that frequent travelers should try to become eligible for each year. By spending at least $30,000 a year on purchases, cardholders will qualify for this benefit. Customers should also make regular use of the features and perks that come standard with the British Airways Visa Signature Card, including car rental collision insurance, extended purchase warranties, and coverage for stolen or damaged purchases.
Other Card Options that Might Interest You
For individuals looking for other rewards cards with comparable benefits and features, the Capital One® Venture® Rewards card and Wells Fargo Propel American Express® card are great options to choose from.
- Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card has a similar structure to the British Airways Visa Signature Card. The Capital One Venture Rewards card has a 17.24% – 24.49% variable APR and the British Airways Visa Signature has a 17.49%-24.49% variable APR. Both cards have an annual fee of $95. However, for new cardholders the annual fee is waived. The Venture Rewards card allows cardholders to earn unlimited 2x miles on every dollar spent. These miles can then be redeemed on airfare, hotel stays, rental cars, and more.
- Wells Fargo Propel American Express Card
For customers who are looking for additional card features with no annual fee and introductory APR percentages, the Wells Fargo Propel American Express card is an excellent solution. While the card has a higher than normal variable APR of up to 27.49%, the card makes up for this with its incredibly versatile and rewarding bonus program. Customers can earn 3x miles on travel, dining, transit passes, gas stations, and eligible streaming services.
The Final Word
For businesses making larger purchases on their credit cards or customers used to traveling frequently, the British Airways Signature Visa Card is a great choice. The competitive introductory bonuses and purchase incentives can make this a very rewarding card long-term, especially with customers who use British Airways as their preferred airline. However, for customers who want to earn rewards quicker and don’t intend to use their credit cards regularly, especially on travel-related purchases, there are other card options out there that may be more suitable. However, with reasonable redemption minimums of 7,500 Avios and British Airways’ Travel Together Ticket program, the card can offer rewarding benefits that quickly make up for its annual fee.