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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 24.49%.
• 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

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.

Higher than average purchase APRs. 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

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 higher than average purchase APRs.

British Airways Visa Signature® Card has a variable purchase APR that ranges from 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

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%
Returned Payment Fee	up to $39
Late Payment Fee	up to $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.