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British Airways Visa Signature Card from Chase

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New cardholders can earn 75,000 bonus points after spending after you spend $5,000 on purchases within the first three months of account opening. You can get two companion tickets if you spend $30,000 on the card, which is the minimum requirement to earn one ticket each calendar year.

You’ll want to make sure you use a companion ticket within two years of its issue date. Also, fares are subject to taxes, fees and carrier charges, but you can use reward points to pay for them.

British Airways Visa Signature Card from Chase

How to earn the most points: Use the British Airways Visa Signature Card for hotel stays and certain flight bookings.

You can earn three Avios, or points, for every dollar you spend on British Airways, Aer Lingus, Iberia, and LEVEL flights. You can also earn two points for each dollar spent on hotel stays when purchased directly with the hotel, and one points per dollar on everything else.

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All cardholders can take advantage of a 10% discount on new flight bookings by using the promotion code CHASEBA10 at www.ba.com/Chase10.

Card benefits include purchase protection, which reimburses you for damage or theft of items bought with the card for 120 days and up to $500 per claim and $50,000 per account. Plus, extended warranty protection adds one year to the manufacturer’s warranty of three years or less on eligible card purchases.

Following are rates and fees you can expect to pay for the British Airways Visa Signature Card:

  • Up to $40 for late payments.
  • Up to $40 for returned payments.
  • $95 annual fee.
  • $5 or 5% for each balance transfer, whichever amount is greater.
  • $10 or 5% for each cash advance, whichever is greater.
  • 21.24% to 28.24% variable annual percentage rate, based on your creditworthiness.

You can maximize rewards with a British Airways Visa Signature Card after you spend $5,000 on purchases within the first three months of account opening to earn the 75,000-point new cardholder bonus. Two companion tickets are yours if you spend $30,000 in the first year.

Use the card for enhanced earnings on hotel stays and certain flights. You’ll get three points for every dollar spent on flights with British Airways, Aer Lingus, Iberia, and LEVEL. Plus, earn two points for every dollar you spend on hotel rooms, and one point for each dollar spent on everything else.

You’ll need to join British Airways Executive Club, the carrier’s free customer loyalty program, to transfer points from your account each billing cycle, to redeem points and to share accounts. You can book reward travel online with your Executive Club membership.

As long as your Executive Club account is active once every 36 months, your points will not expire.

Both cards have a $95 annual fee, but different sign-up bonuses for new cardholders. The British Airways Visa Signature Card offers 75,000 bonus points after spending after you spend $5,000 on purchases within the first three months of account opening. With the Chase Sapphire Preferred Card, you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.

An advantage of the Chase Sapphire Preferred Card is that you can earn 3X points on dining including eligible delivery services, takeout and dining out, and 2X points on travel. Plus, earn 1 point per dollar spent on all other purchases. You’ll also get a 25% bonus when you redeem your points through the Chase Ultimate Rewards portal. These features could make this card a more practical choice than the British Airways Visa Signature Card as the pandemic continues to disrupt travel.

Discover it Miles could cost you less than the British Airways Visa Signature Card. If you have excellent credit, you could secure an APR as low as 16.99% to 27.99% variable APR with Discover it Miles versus 21.24% to 28.24% variable with the British Airways Visa Signature Card. Discover it Miles does not charge an annual fee, but you will pay a $95 annual fee for the British Airways Visa Signature Card.

The British Airways Visa Signature Card offers 75,000 bonus points after spending after you spend $5,000 on purchases within the first three months of account opening.

By comparison, Discover it Miles earns an unlimited 1.5 miles for every card purchase and matches the miles you earn at the end of your first year as a cardholder. You’ll also have the flexibility to turn miles into cash in any amount anytime.

Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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