British Airways Visa Signature Card

welcome offer

Earn a total of 100,000 points after $20,000 spent within the first year.

Bonus Cash Value

Approximately $1200*

Annual Fee

$95

Card Rewards

Earn 3 points per $1 spent on British, Aer Lingus, and Iberia purchases

Earn 2 points per $1 spent on hotels booked directly with the hotel

Earn 1 point per $1 spent everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The British Airways Visa Signature card has an extremely big signup bonus for high credit card swipers. The card comes along with some decent travel benefits including luggage insurance, no foreign transaction fees, and more! You can also receive statement credits for taxes and fees, when booking BA flights to London using your reward points.

Offer Details

Earn 50,000 points after $3,000 spent within the first 3 months. Plus, earn an additional 50,000 points after $20,000 spent within the first year. 

Card-Smart Tips & Advice
  • Good credit needed (you will probably need at least one credit card open for more than a year)
  • This card is under the  Chase 5/24 rule
  • You can only get approved for up to 2 Chase Credit Cards in 30 days. (Business Card and Personal cards are counted separately)
  • Chase will not approve you for this card if you currently have a  British Airways Visa Signature Card, or if you have received a bonus on a British Airways Visa Signature Card with in the last 24 months
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • If declined you can call 1 888 609 7805 to be reconsidered
Card Details And Benefits
  • Receive a statement credit three times a year of $100 when you book an economy or premium economy reward ticket, or $200 for business and first class tickets, traveling with BA to London and you pay the taxes, and fees using your British Airways Card
  • Receive a Travel Together ticket after $30,000 spent every calendar year
  • Luggage Delay Insurance
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardBritish Airways Visa Signature CardUnited ExplorerAmerican Express Gold Delta
Welcome BonusEarn a total of 100,000 points after $20,000 spent within the first year.Earn 60,000 points after $3,000 spent within the first 3 months.Earn up to 35,000 miles after $1,000 spent within the first 3 months (terms apply).
Annual Fee$95$95$99
Rewards- Earn 3 points per $1 spent on British, Aer Lingus, and Iberia purchases - Earn 2 points per $1 spent on hotels booked directly with the hotel - Earn 1 point per $1 spent everywhere else- Earn 2 points per $1 on purchases by United Airlines, restaurants, and hotels - Earn 1 point per $1 spent everywhere else- Earn 2 points on Delta purchases restaurants, and U.S. supermarkets - Earn 1 point everywhere else
Upgraded StatusPremier upgrades on United flights (only for Mileage Plus Premier members)
Free baggageFirst checked bag free for you and one companion on United flights. Plus receive a free carry on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.First checked bag free for you and up to 8 companions traveling on the same reservation. To qualify, make sure to include your Skymiles on your reservation.
CreditsReceive a statement credit three times a year of $100 when you book an economy or premium economy reward ticket, or $200 for business and first-class tickets. Tickets need to be for flights traveling to London using BA miles and you pay the taxes, and fees using your British Airways Card.Earn $100 Delta flight credit after $10,000 spent within a calendar year
Extra Redemption ValueExpanded Award Availability on United Flights when booking award flightsPay with miles program, get a minimum of 1 cent per mile on delta flights
Companion PassReceive a free Travel Together ticket after $30,000 spent each calendar year. Valid for an award ticket booked including first-class. The flight needs to depart and return to the US. You will need to pay taxes and fees for the companion.
Global Entry and TSA pre-checkStatement credit for Global Entry or TSA Pre-Check every 4 years.
No Foreign Transaction FeeNoneNoneNone
Lounge AccessReceive 2 annual free United Club lounge passes
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $5,000 per person for a max of $10,000 per trip.Coverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $1,500 per person for a max of $6,000 per trip.
Auto Rental Collision InsuranceSecondary worldwide coverage on rentals up to 31 daysPrimary worldwide coverage on rentals up to 31 daysSecondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).
Travel Accident InsuranceUp to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.Up to $500,000 if occurred on the carrier or at the airport/station. Up to $100,000 if occurred from when you leave until you return.
Lost Luggage ReimbursementUp to $3,000 per person for lost or damaged luggageUp to $3,000 per person for lost or damaged luggageUp to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)
Trip Delay ReimbursementIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use itemsIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.Get up to one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less).Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.
Purchase ProtectionGet refunded if your purchase is damaged, lost, or stolen for up to 120 days from the date of purchase. Max $500 per claim $50,000 per accountGet refunded if your purchase is damaged or stolen for up to 120 days from date of purchase. Max $10,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)
Authorized User Fee$0$0$0
Luggage Delay InsurenceIf your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing up to 5 days.If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing up to 3 days.
Priority BoardingPriority boarding on United flightsPriority boarding on Delta flights
Inflight SavingsReceive 25% back (statement credit) on United in flight purchases of wifi, food and drinksGet a 20% discount on in flight purchases

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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