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The card_name has a 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. This card will help accumulate British Airways points easily.
- Credit: Good credit needed (you will probably need at least one credit card open for more than a year)
- Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
- Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
- Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
- Credit bureau: Chase Bank will usually pull your Experian credit report
- Double dipping: 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
- Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined.
- Check application status: You can check your application status at Chase.com / Customer Center / Check my app status or call 1 888 338 2586
- Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).
- Downgrade options: The Chase British Airways card cannot any longer be downgraded
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $5,000-$15,900
Avg. Credit limit$9,133
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
Primary coverage on rentals when renting outside of your country of residence, and secondary coverage on rentals when renting within your country of residence. Coverage is for rentals up to 31 days.
Earn a free Travel Together ticket after spending $30,000 in a 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.
Receive a statement credit 3 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.
Get your original manufacturer’s warranty time matched (up to a year). (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 $3,000 per person for lost or damaged luggage.
If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $500 per claim, $50,000 per account.
Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.
The points can be used at approximately 0.9 – 1.2 cents per point to book award flights with one of the following British Airways airline partners:
- Alaska Airlines
- American Airlines
- Cathay Pacific
- Finnair
- Iberia
- Japan Airlines
- Malaysia Airlines
- Qantas
- Qatar Airways
- Royal Air Maroc
- Royal Jordanian Airlines
- S7 Airlines
- SriLankan Airlines
You can book award flights using your Avios miles with British Airways and its partners; Oneworld and Aer Lingus, here.
To book award flights with other British Airways partners call 1-877-767-7970.
BAEC has three distance-based award charts.
BAEC award charts
The first chart covers BA, Aer Lingus and Iberia and features peak and off-peak dates. This chart was last devalued in March 2021.
Zones 1-3 | ||||
Zones | Economy | Business | ||
Off-peak | Peak | Off-peak | Peak | |
1 (1-650 miles) | 4,750 | 5,250 | 8,500 | 9,750 |
2 (651-1,151) | 7,250 | 8,250 | 13,000 | 15,750 |
3 (1,152-2,000) | 10,000 | 12,500 | 17,750 | 20,750 |
Zones 4-9 | ||||||||
Zones | Economy | Premium Economy | Business | First | ||||
Off-peak | Peak | Off-peak | Peak | Off-peak | Peak | Off-peak | Peak | |
4 (2,001-3,000) | 10,000 | 12,500 | 20,000 | 25,000 | 31,250 | 37,500 | 42,500 | 50,000 |
5 (3,001-4,000) | 13,000 | 20,000 | 26,000 | 40,000 | 50,000 | 60,000 | 68,000 | 80,000 |
6 (4,001-5,500) | 16,250 | 25,000 | 32,500 | 50,000 | 62,500 | 75,000 | 85,000 | 100,000 |
7 (5,501-6,500) | 19,500 | 30,000 | 39,000 | 60,000 | 75,000 | 90,000 | 102,000 | 120,000 |
8 (6,501-7,000) | 22,750 | 35,000 | 45,500 | 70,000 | 87,500 | 105,000 | 119,000 | 140,000 |
9 (7,001 +) | 32,500 | 50,000 | 65,000 | 100,000 | 125,000 | 150,000 | 170,000 | 200,000 |
The second chart covers the rest of BA partners and was last devalued in August 2021. Note that Zone 1 award flights starting or ending in North America would cost you 7,500 Avios in Economy or 15,000 Avios in First Class.
All other awards fall into the following scheme (the distance bands are the same).
Economy | Premium Economy | Business | First | |
Zones | ||||
1 | 6,000 | 9,000 | 12,500 | 24,000 |
2 | 9,000 | 12,500 | 16,500 | 33,000 |
3 | 11,000 | 16,500 | 22,000 | 44,000 |
4 | 13,000 | 25,250 | 38,750 | 51,500 |
5 | 20,750 | 41,250 | 62,000 | 82,500 |
6 | 25,750 | 51,500 | 77,250 | 103,000 |
7 | 31,000 | 62,000 | 92,750 | 23,750 |
8 | 36,250 | 72,250 | 108,250 | 144,250 |
9 | 51,500 | 103,000 | 154,500 | 206,000 |
The charts above are not official (you can’t find them on the British Airways website).
The third is the Multi-Carrier award chart, although it’s rarely utilized due to its complexity and egregious long-haul fuel surcharges. This is the only chart you can find on Britishairways.com, but I slightly “remodeled” it for your convenience, by adding the Business Class rates. If you’re interested in other classes of service, you can calculate it according to this simple formula:
- Premium Economy is 1.5x the Avios in Economy
- Business is 2x the Avios in Economy
- First is 3x the Avios in Economy
Avios | Additional charges | ||
Distance | Economy | Business | |
0–1,500 | 30,000 | 60,000 | Up to $ 93.56 taxes, fees and carrier charges |
1,501–4,000 | 35,000 | 70,000 | Up to $ 256.09 taxes, fees and carrier charges |
4,001–9,000 | 60,000 | 120,000 | Up to $ 948.02 taxes, fees and carrier charges |
9,001–10,000 | 70,000 | 140,000 | Up to $ 576.74 taxes, fees and carrier charges |
10,001–14,000 | 90,000 | 180,000 | Up to $ 1,011.89 taxes, fees and carrier charges |
14,001–20,000 | 100,000 | 200,000 | Up to $ 750.77 taxes, fees and carrier charges |
20,001–25,000 | 120,000 | 240,000 | Up to $ 891.40 taxes, fees and carrier charges |
25,001–35,000 | 140,000 | 280,000 | Up to $ 217.32 taxes, fees and carrier charges |
Simply put: use Avios on short-haul, most direct routes. Every segment carries a separate cost; for example, flying nonstop from New York to New Orleans is cheaper than flying to New Orleans via Miami. Now, there are some unexplained exceptions to this rule sometimes (when connecting flights would price cheaper than nonstop ones) but they’re rare. Also, while this guide has been created for U.S. based travelers, I can’t ignore one of the most important virtues of BAEC, which is short nonstop flights anywhere in the world.
Sweet spots
Sweet Spots on BA and Iberia: short intra-Europe flights in Economy
British Airways charges just a small flat fee for flights within Europe, and you’ll find BA Avios may save you some money when you redeem on Iberia – versus Iberia own award fees. Also, when you use BA Avios on British Airways metal, do yourself a favor and try to avoid departing from LHR, which I personally refer to as London Highway Robbery Airport. You can save a little by flying out of London City airport, although it only serves a handful of destinations.
Here is where you can fly for only 4,750 Avios (off-peak).
From London on BA:
- Anywhere in the UK
- Denmark, France, Germany
- Milan, Italy
From Madrid on Iberia:
- Anywhere in Continental Spain and Portugal
- Most of France including Paris
- Casablanca, Morocco
Notable sweet spots on other BA partners in Economy
- American or Alaska from the West Coast to Hawaii (LAX – HNL for 13,000 Avios).
- American in the U.S. / Canada from 6,000 miles (i.e. New York to Charleston, Cincinnati, Detroit, Toronto, Montreal).
- Cathay Pacific from Hong Kong in Asia (from 6,000 Avios to Sanya, Hanoi and Taipei).
- Japan Airlines ( 6,000 Avios will cover the whole country from Tokyo plus Busan in Korea).
- Qantas in Australia and between Australia and New Zealand (from 6,000 Avios between Sydney and Melbourne / Canberra / Brisbane).
- Short UK and intra-Europe flights on British Airways, Aer Lingus and Iberia (British Airways adds the flat $30 fee for flights from UK).
- Finnair from Helsinki (from 6,000 Avios to Stockholm, Oslo, Copenhagen, Warsaw and Moscow).
- S7 Airlines in Russia and between Russia and the rest of Europe ( 6,000 Avios from Moscow to Saint Petersburg or Kazan).
- Comstar (BA’s subsidiary) from Johannesburg to Victoria Falls for 6,000 Avios.
Sweet BA spots in Business on Iberia
- You can fly in lie-flat Business Class on A-330 / 340 / 350 on Iberia between London and Madrid for 12,750 Avios and no fuel surcharges. However, the same route is served by narrow-body A-319 / A-320, which just an economy cabin with blocked middle seats, so pay attention to the aircraft type before booking. While this is a short, 2.5 hour trip, the added benefits are priority check-in and access to lounges. It’s surely worth it for only 6,250 extra miles.
- A-330 in lie-flat Business Class on A-330 for 31,250 Avios and $28 in taxes from Madrid to Tel Aviv. Not too cheap, so classifying it as a semi-sweet spot would be more accurate, but it’s a 5-hour flight (think New York to Vegas for a comparison).
Booking short flights on British Avios almost always costs less in cash outlay, but sometimes it costs more in Avios than in Iberia. We’ll talk more about it in the Iberia section.
Do NOT use British Airways Avios for long-haul flights
British Airways adds hundreds of dollars to their “free” award flights in so-called fuel pardon me, carrier-imposed surcharges to everything it touches: its own flights, Aer Lingus, Iberia, even trans-Atlantic American Airlines flights (which is kind of funny considering that AA doesn’t add any surcharges to its own flights, but I guess, it’s the company you keep, LOL). If you’ve ever wondered why British has all that fabulous availability, well, this is why.
There are some exceptions, though.
- A British award flight on Japan Airlines currently adds only about $95 in fuel surcharges between the U.S. and Tokyo one way. Better yet, the price is the same for Economy and Business.
- A British award flight on Cathay Pacific adds about $84 in fuel surcharges between the U.S. and Hong Kong. The price seems the same for all kinds of service.
Flying long-haul on other airlines, such as Qatar or Finnair appears to add hundreds of dollars in junk surcharges each way and should be avoided.