British Airways Visa Signature® Card Review

The British Airways Visa Signature® Card offers one of the largest signup bonuses of any airline card. You also get rewards on every purchase for a reasonable annual fee. This card is ideal for those who frequently fly on British Airways. You can get 10% off British Airways flights from the U.S. and earn a Travel Together Ticket when you spend $30,000 on your card in a calendar year.

Our Rating

4.2/5.0

Welcome Offer

Earn 75,000 Avios

Annual Fee

$95

0% on Purchases

N/A

Reward Rate

1x – 3x Avios

0% on Balance Transfers

N/A

Welcome Offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal
BenefitsExtended Warranty Coverage, Price Protection
Travel PerksAccess to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance

Rewards

1Avios
On all other eligible purchases
Earn 1 Avios per $1 spent on all other purchases.
2Avios
Hotels
Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
3Avios
Airfare
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.

Interest Rates & Fees

Annual Fee$95
Foreign Transaction Fee$0
Regular APR21.49%-28.49% (V) APR

Insurance

Extended Warranty

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Lost Baggage Insurance

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

What Credit Score Is Required to Get the British Airways Visa Signature® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score:

Average Approved Credit Score:

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Up to 3x Avios
Cons
  • Annual fee
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card

Rating

4.5

Rewards Range

1x to 2x miles

Annual Fee

$0 introductory annual fee for the first year, then $150.

United℠ Explorer Card
United℠ Explorer Card

Rating

4.3

Rewards Range

1x to 2x Miles

Annual Fee

$0 intro annual fee for the first year, then $95

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