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

• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $95 for the privilege.
• Generous reward rate. You can get a rewards rate of up to 3%.
• Signup bonus. Offers a signup bonus of 50000 after spending $3,000 that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 24.99%.
• Great for travel. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Good or better credit required. You should probably try with another card if your credit score is below 700.
• 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.

The Good	The Bad
Multiple credit card perks. No foreign transaction fee. Earn rewards on every purchase. British Airways Visa Signature® Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Includes emergency support. Extended warranty protection on purchases. Purchase Protection. Travel Accident Insurance. Travel Assistance.	Higher than average purchase APRs. Charges an annual fee of $95.

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

What are the British Airways Visa Signature® Card benefits?

British Airways Visa Signature® Card provides the following benefits:

• 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 higher than average purchase APRs.

British Airways Visa Signature® Card has a variable purchase APR that ranges from 17.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 24.99%. It also has a variable cash advance APR starting at 26.99% .

British Airways Visa Signature® Card Balance Transfers

Description
Balance Transfer APR	17.99% - 24.99%
Introductory Rate	N/A
Intro APR period (months)	N/A

British Airways Visa Signature® Card Rates & Terms

Description
Balance Computation	daily balance method (including new transactions)
Purchase APR	17.99% - 24.99%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	Starting at 26.99%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the British Airways Visa Signature® Card fees?

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%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$39
Late Payment Fee	$39

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.