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  British Airways Visa Signature® Card

British Airways Visa Signature® Card

in Personal Credit Cards from Chase Bank

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British Airways Visa Signature® Card

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 15.99% - 22.99%
Balance Transfer APR  (Variable APR) 15.99% - 22.99%
Credit Score Range 700 - 850
Annual Fee $95

British Airways Visa Signature® Card Review

British Airways Visa Signature® Card is a rewards credit card issued by Chase Bank. If you're wondering whether British Airways Visa Signature® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of up to 3 miles per dollar spent.
  • Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. British Airways Visa Signature® Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
  • 5% Balance transfer fee. British Airways Visa Signature® Card charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

British Airways Visa Signature® Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • British Airways Visa Signature® Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 5% balance transfer fee.

Is there a British Airways Visa Signature® Card cash back or rewards program?

British Airways Visa Signature® Card offers a rewards program to its customers.

British Airways Visa Signature® Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus (Points/Miles) 50000
Annual Loyalty Bonus Spend Requirement $20000

Does British Airways Visa Signature® Card have a signup bonus?

British Airways Visa Signature® Card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does British Airways Visa Signature® Card offer an annual loyalty bonus?

British Airways Visa Signature® Card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 50000 points after spending $20000 that can be redeemed for travel, gifts, and other perks.

What are the British Airways Visa Signature® Card benefits?

British Airways Visa Signature® Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for British Airways Visa Signature® Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. British Airways Visa Signature® Card has lower than average purchase APRs.

British Airways Visa Signature® Card has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

Does British Airways Visa Signature® Card have an introductory APR offer on balance transfers?

No, British Airways Visa Signature® Card does not come with an introductory APR offer for balance transfers.

Does British Airways Visa Signature® Card have an introductory APR offer on new purchases?

British Airways Visa Signature® Card does not offer an introductory rate on new purchases.
British Airways Visa Signature® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for British Airways Visa Signature® Card?

The following fees apply to British Airways Visa Signature® Card:

British Airways Visa Signature® Card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does British Airways Visa Signature® Card have a foreign transaction fee?

British Airways Visa Signature® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does British Airways Visa Signature® Card report your account activity to credit bureaus?

British Airways Visa Signature® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for British Airways Visa Signature® Card

  • Visit the British Airways Visa Signature® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Airfare (Points) 3
Every Purchase (Points) 1x Avios for every $1 spent on all other purchases
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Earn 50,000 Bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 50,000 Bonus Avios after you spend $20,000 total on purchases within your first year of account opening.
Annual Airline Credit Up to $600
Annual Loyalty Bonus (points) 50,000
Annual Loyalty Bonus Spend Requirement $20,000
No Blackout Dates  
Rewards Categories
  • Airfare
  • Every Purchase
  • Hotels
Signup Bonus (points) 50,000
Rewards Type Miles
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 15.99% - 22.99%
Balance Transfer APR (Variable APR) 15.99% - 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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