With a great new promotion under your belt, you’re looking for a new card that caters to a higher end spender for that nice bump you got in your salary.
If you’re the jet-set type who really enjoys the top-notch service of British Airways, you certainly will find value in the Chase British Airways Visa Signature® Card.
Card Summary Table
- Card Bonus & Info (Partner Content)
- Card Provider
- Card Type(s):
- Card Focus:
- Annual Fee
- Rewards Center
- Foreign Transaction FeesNone
- Typical UsersFrequent Travelers, Hobby Travelers, International Travelers
- Customer Service Number
- Login Link
- PartnersBritish Airways, OpenSkies, Iberia
- Interest Rates ?
- 17.49% - 24.49% Variable
- Late fees
- See rates & fees
- Balance Transfers
- 17.49% - 24.49% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR
- 26.49% Variable
- Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
The Ideal Cardholder
Chase British Airways Visa Signature® Card Bonus and Earning Avios
All your trips to and from London and around the world will be put to use when you can swipe this high-earning card.
Like many partnered cards, when you make purchases on your Chase British Airways Visa Signature® Card, you get miles deposited directly into your British Airways Executive Club account.
You’ll get 3x Avios for every $1 you spend on BA, Iberia, and OpenSkies, and 1x Avios for everything else.
The card also comes with a sign-up bonus, described above in the card summary table.
What are British Airways Avios anyway, you may ask? Simply put, this is the currency for their air miles (points).
Avios work the same and are valued just like any other credit card points. Because they are a Oneworld partner airline, you can use British Airways Avios on all the other Oneworld partners, such as American Airlines and Qantas.
Great For Travelers and Their Partners
To make the British Airways credit card work for you, you need to put all of your travel spending through BA, Iberia, and OpenSkies on your card.
Just a couple of tickets will earn you thousands of Avios. If you are a business owner using this as your business card, you shouldn’t find it hard to rack up points quickly.
If you have a significant other or travel partner, you’ll find the Travel Together option very appealing. To get this benefit, you must spend at least $30,000 on the card per year.
The Travel Together Ticket works as an additional voucher when you redeem an award flight. Simply use the voucher alongside your award flight to earn a complimentary ticket for a companion.
Ideally, you would hit the $30k minimum spend each year in order to get your companion pass, which can be redeemed to travel along in any class for just the taxes and fees on the flight.
After you earn your Travel Together Ticket, it will be usable for up to two years. There are a few additional caveats, but they can be tolerated for a voucher worth between $10k-20k value (if you’re flying first class)!
First, you have to travel on British Airways and not a partner airline. Second, the flight has to originate out of the United States. Third, you have to travel together on the outbound and inbound flights, and those tickets must be booked at the same time.
Other Benefits: Stopovers, International Travel, and More
British Airways is a great airline for international flights and multi-stop destinations because they allow unlimited stopovers “within reason,” unlike most other airlines.
A typical layover is only 4 hours domestically and 24 hours internationally; a stopover is an open-ended amount of time beyond that. You simply select this option when booking your flight and you can choose an additional city to visit.
As an added bonus, this card doesn’t carry any foreign transaction fees if you need to use it while overseas.
Of course, there are much more efficient cards to use overseas than just the British Airways Visa, since you would only earn 1x Avios on anything besides the actual flight.
But if you’re going for the companion ticket’s minimum spend, then by all means spend away!
British Airways credit card holders also have the chance to get 10% off British Airways flights when booking with the card. You have to go through a specific portal and use a code, but it is worth the hassle to save over $100 (which covers the annual fee).
With the flexibility in using British Airways Avios with Oneworld partners and transferring from credit card portals (Ultimate Rewards, Starwood Preferred Guest, and Amex Membership Rewards), you should find plenty of value in the card.
Some Drawbacks of British Airways Executive Club
Previously, you used to earn 1.25 Avios per dollar instead of the now 1x Avios. Combined with the points devaluations over the years, this makes the Avios a little less valuable. Still, Executive Club has pretty solid inter-European flight deals.
Another negative of British Airways over all the other airlines is their fuel surcharge for international flights. It is painfully more expensive than any of the others (between ~$600-1200), and it still applies when you are redeeming points.
Therefore, to maximize your value, it’s better to use points for higher classes on BA so you get a much higher level of service for your fees.
So, consider your travel habits carefully to decide if this card is worth it to you.
Someone who flies a lot will find their points building up very quickly and get a reward flight each year!
Great Card If
- You frequently travel British Airways, Iberia, or OpenSkies internationally for work or pleasure
- You want to save 10% on flights when using the card
- You plan to spend $30,000 per year or more on the card
- You frequently use Oneworld airlines and wish to transfer/use miles on flights
- You like the flexibility of the stopover flight with BA
Don't Get If
- You don’t typically travel internationally
- You won’t be a big spender throughout the year
- You typically like to travel alone
U.P. Pro Tips
Find ways to use your British Airways credit card where you normally wouldn’t in order to get up to $30,000 per year. For instance, you could put your rent on your card.
Even though you may incur some extra fees (2-3%), these will not cost nearly as much as the value you can get from the Travel Together Ticket!
For instance, if you put $30,000 on the card with 3% fees on everything, it would cost you $900 in total. A Travel Together Ticket could be worth $5,000 and up, since it is available regardless of class!
How To Use the Chase British Airways Visa Signature® Card: The Upgraded Way
Best Way To British Airways Avios
Your points on the Chase British Airways Visa Signature® Card all go toward one thing: getting miles to use or transfer. Whatever end goal you choose, earning strategies are the same.
Tip #1: Purchase all personal flights on the card through British Airways, OpenSkies and Iberia to earn 3x miles
Tip #2: Pay for any in-flight purchases, fees, or other airline-related spending on the card to earn 3x miles (assuming it is through these three companies)
Tip #3: Use your card for international purchases and travel; there is no foreign transaction fee and you will earn 1x miles
Tip #4: Make all purchases on the card to shoot for the $30,000 spending limit in a year. This will effectively double the value of your points by earning a Travel Together companion ticket.
Tip #5: Use a Chase Ultimate Rewards card in order to earn more points for all every day purchases, then transfer them to British Airways at a 1:1 ratio! Cards include:
|Loyalty Program||Credit Card Review|
|Chase Ultimate Rewards Program Review||Chase Sapphire Preferred® Card|
|Chase Sapphire Reserve℠ Card|
|Chase Freedom® Credit Card|
|Chase Freedom Unlimited℠|
|Ink Business Preferred℠ Credit Card|
|Chase Ink Business Cash℠ Credit Card|
Tip #6: You can also earn British Airways Avios by transferring from Membership Rewards at a 250:200 ratio! The following cards earn Membership Rewards points:
Best Way To Redeem British Airways Avios
Redeeming the points is where the game begins for this card. If you are going to use the points on a British Airways flight, know that you will be paying high fuel surcharges: $650-$1250 for economy and $1250 for business class.
Because British Airways business/first class is about the same price, you may as well book that and take advantage of the excellent service.
Points Needed for Award Tickets
Redeeming a ticket on British Airways will cost you between 4,000 – 30,000+ Avios one-way (depending on class). For instance, you can currently get from London to Miami for 16,250 Avios if you fly off peak hours (25,000 for peak) plus the fuel surcharge.
But London to Munich (within Europe) only costs 4,500 Avios! That’s a great deal. British Airways has good short haul redemption flight prices, but remember you’ll still be paying a fuel surcharge.
Unfortunately, BA recently devalued their points again. Short haul flight prices originating or terminating in the U.S. used to start at 4,500 Avios, but they now start at 7,500. This simply means you’ll need to be more creative to use the great 4,500 prices, or fly another airline in the U.S.!
Other Great Ways To Redeem
One great way to take advantage of deals is to use the AARP discount to book business class tickets along with the 10% off deal. The AARP discount offers $400 off round-trip business fares.
Then, you could use your points to boost this to a first class upgrade and really get some value out of the miles!
Using your British Airways Avios on these carriers lets you avoid the high fuel surcharges. You can book a one-way trip in economy for as little as 12,500 miles on some carriers, or 25,000 for business class.
As with many carriers, it is best if you can to book last minute trips to fill open spaces on planes. Doing this allows you to get great value for the points and often get business and first class options.
British Airways Partners
Clearly, the Chase British Airways Visa Signature® Card will not be for everyone. With a mid-range annual fee of $95 and very narrow earning potential (basically only flights), it can be tough to get value out of this card.
A Quick Chase British Airways Visa Signature® Card Recap
Let’s take a look at some examples.
|Annual Fee||Earning on BA, OpenSkies, Iberia||Earning on All Else|
|$95 (waived first year)||3x||1x|
With the standard point evaluation of 100 points per $1, it would take 9,500 Avios (points) to pay back your yearly fee. That means you’d either have to spend $9,500 on normal everyday purchases or ~$3,167 in airfare for the year.
This really isn’t too difficult to meet, but if that’s all you’re doing then you probably aren’t getting the most value out of the card. When we use a card, we want to far exceed the break even point!
British Airways Visa Caveats: Points Restrictions
One thing to note about partnered cards is the points are only redeemable through their rewards programs; they are not accumulated through the banks’ own reward center.
Because of this, your points only have value if you are going to be redeeming them for travel eventually, whether on BA or one of the British Airways partners.
A British Airways Frequent Flyer Example: Economy Class
At the time this was written, a BA round-trip economy ticket from DFW to London was $1,981 plus tax. The following table explores the amount of points you’d earn based on how many times you would travel to London and back per year.
Keep in mind that you are earning both the 3x points/$1 credit card Avios as well as points from the flight itself for being a British Airways frequent flyer member.
The table will use the lowest economy fare earnings, which is equal to 1,187 Avios for this trip each way (2,374 total). Note that the table does not include sign-up bonus points.
|# of Trips to London from DFW||# of Avios Earned (round trip)|
If you’re a frequent flyer (as in once per month), you could earn almost 100,000 Avios for a years’ worth of travel. This also assumes no prior airline status (Executive Club Blue). Not bad!
You’d spend a total of $23,772 in flights at this level, which is not enough to hit the magical $30k limit and get a companion ticket (but you would get the bonus 50k points currently offered).
A Frequent Traveler Example: Business Class
If we check the math for business class travelers, however, it becomes a different story. Traveling business class not only earns you more points because it is more expensive, but you also earn MANY more Avios than you would in the economy ticket.
In fact, you earn 14,242 for a round trip, which is almost 6x as many as you would in economy! You’ll see the earning chart for business class below. A current business class ticket at lowest fare from DFW to LHR is $6,784.
|# of Trips to London from DFW||# of Avios Earned (round trip)|
You more than quadruple the number of points you earn when flying business class, not to mention reach status much more quickly! Of course, you’ll certainly pay for it as well, as 12 round trips in business class would cost $81,408.
Spending at this level will more than earn your travel companion ticket for the year; in fact, you could have earned it in just five round trips!
Using the Model Families To Compare Spending Levels
Let’s take a look at the spending levels of our trio of families to see what average spending would bring in on the card.
We will assume they put all the spending outside of the other category on the card, and that all their flights are with British Airways.
|Family||Airfare||Everything Else||Total Points|
They don’t earn a ton of points, but if the families put spending for work on the card that doesn’t show up in their personal spending, they may be able to earn more.
Also, note that in this example, the Kennedys fare far worse than the other two families because they are below the $30k spend needed to get the companion pass. Both the Jetsons and Hartnells will earn this.
All three families will earn 50k bonus points for the $20k spending necessary for the sign-up bonus. Depending on how you travel, your earnings and card potential could be drastically different.
The Value of the Miles Earned
Earning 100k British Airways Avios is enough for a first class ticket one-way (you need ~120-150k for round-trip first class, depending on where you’re flying from), and the value of that is anywhere from $10-20k.
A drawback of this card is that when you are redeeming your British Airways rewards, you aren’t earning more miles at the same time. Other travel cards allow you to do this, which keeps the points coming in.
Comparing the Chase British Airways Visa Signature® Card to Other Cards
Any other type of spending is pretty obvious to calculate when you’re earning 1x Avios per dollar.
If you’re not going for the Travel Together Ticket, we don’t think this is particularly worth the trouble and would recommend a host of other cards to use for everyday spending instead.
This card’s 3x rewards certainly beat the Chase Sapphire Preferred® Card earning potential (even after calculating the 20% bonus), but you lose some flexibility since Avios are restricted to just the one airline.
Note, however, that the new Chase Sapphire Reserve℠ Card earns 3x points in travel and dining, so it may be a good alternative if you want to stick with Chase Ultimate Rewards!
As long as you can earn at least one flight’s worth of points, this card could be worth the annual fee, although perhaps not on BA since it has high fuel surcharges to contend with.
Unless you have a high yearly spend, this is a tougher card to utilize. The real value of the card comes when you spend $30k and get the Travel Together Ticket.
When you reach that limit, it doesn’t really make sense to keep using this card unless you are paying for a lot of British Airways tickets. This is because you can only get one Travel Together Ticket per year and you only earn 1x points on other purchases.
Therefore, we recommend utilizing the card for as many BA flights as you can, hitting the $30k limit, and then moving on to another higher earning card for the remainder of the year.
The Gritty Details: Everything Else You Need To Know
The credit card issuer only allows the sign-up bonus for new cardholders or former cardholders who haven’t received a bonus for the card in the last 24 months. Any bonus miles earned do not go toward earning status on the airline.
For earning Avios, there is no maximum limit to what you can earn in a year. Miles don’t expire unless you’re inactive with the British Airways credit card or British Airways flights for over three years.
Obviously, if you aren’t using the card for that long, you should cancel it and avoid the $95 annual fee.
Other Unique Features
Travel Together Ticket – Once you have spent $30,000 on the card in years’ time, you will receive a Travel Together Ticket that allows you to bring a companion with you during any redemption, and they will be able to match your redemption class.
Of course, redeeming for first class gives you the best value in this case. However, note that there have been many reported difficulties in using the ticket, so if you’re going to shoot for this, keep in mind you may need to be flexible.
Extended warranty – You must check to see if you get this with your card, as it is not a standard Visa Signature benefit. Get two times the length of a warranty that’s three years or less (maximum one year extension).
You can also get a repair, refund, or replacement of any item you cannot get reimbursed for under the normal warranty, up to a maximum of $10,000 per year. See the details for a list of exceptions.
Travel and emergency assistance – This is also not standard, so check your agreement. Have your own personal emergency assistant when you need it, 24/7.
Good for use if you get in a situation you can’t find your way out of, you can’t find someone who speaks English, or perhaps you need emergency legal representation.
The assistant is free to speak with, but you must pay for any services provided by third parties.
Car rental insurance – When using a rental car, you have access to up to $50,000 in accident insurance through the credit card issuer as long as you decline the rental agency’s insurance policy.
With certain exceptions on luxury cars and cars over the price of the insurance maximum, you’ll want to double check the details before renting.
Visa Signature Concierge service – If you need help with last minute planning or changes, need to get reminders, or just have a few questions you need asked, go ahead and call the Visa Signature Concierge desk for all your answers.
Emergency cash and card replacement – Get cash within one business day (and maybe even 24 hours) when you have an emergency on a trip. When you call, Visa will help navigate you to the nearest bank where you can pick up the cash.
Visa Signature Entertainment/Sports – Find deals on museums, events (sports games, etc.), and more by searching within your credit card portal.
Visa Signature Fine Wine and Food – Special culinary event access and savings with gourmet retailers and other restaurants.
Visa Signature Shopping – An online shopping portal offered with discounted items. Check your credit card account to find the shopping portal.
Photo Credits / Credit/Copyright Attribution:
Woman Climbing Stairs: Creativa Images/Shutterstock
Couple Traveling Together: Standret/Shutterstock
Using a Card: Minerva Studio/Shutterstock
Pros and Cons: Stasique/Shutterstock
Is the Chase British Airways Visa Signature® Card worth it?
The Chase British Airways Visa Signature® Card is a great card with good benefits, but it caters toward higher spending individuals. Its biggest benefit, the Travel Together Ticket, is earned after spending $30,000 on purchases in a year.
Overall, the card doesn't earn that many points (Avios) compared to its competitors, but it offers a good sign-up bonus and high earnings for all BA flights purchased (3 miles per dollar). You can utilize those points on all Oneworld partners.
Can I earn British Airways Avios with other cards?
Chase Ultimate Rewards is a travel partner with British Airways and you can transfer points at a 1:1 ratio. Collect Chase Ultimate Rewards points using one of the 6 Ultimate Rewards credit cards.
What is the British Airways Executive Club?
It is the British Airways frequent flyer program. In this program, points aren't called "miles" as in most other airlines, but instead are called "Avios." The currency works the same as in any other loyalty program.
What is British Airways business class called? What are other terms that British Airways uses that are different?
The business class of British Airways is called "Club."
There are four total classes of service on a British Airways international flight: economy, premium economy, business, and first. On BA, they are called "Traveller," "Traveller Plus," "Club," and "First" respectively.
In those classes, they have additional names to delineate whether you are flying within or outside of Europe.
Economy class within Europe is called "Euro Traveller," but internationally it's called "World Traveller." International premium economy is called "World Traveller Plus."
Business within Europe is called "Club Europe," and internationally it's called "Club World." A specific class between London and New York City is called "Club World London City." First class is always designated as such.
In addition, British Airways refers to it's award currency as "Avios" rather than "miles" or "points."
Does the Chase British Airways Visa Signature® Card have an annual fee?
Yes. The card costs $95 each year.
What are the Chase British Airways Visa Signature® Card benefits?
The main benefits of card include 1-3x points for each dollar spent, a Travel Together Ticket after spending $30,000 in a year, and 10% off British Airways flights when booking with the card.
Next, being an airline in Oneworld, you can utilize their travel network with the points you earn on the card. Other partners include the Visa Signature Entertainment and Sports, Fine Wine and Food, and Shopping.
Finally, the card comes with additional insurances such as extended warranty, travel and emergency assistance, rental car insurance, Visa Signature concierge, and emergency cash and card replacement.
When do points expire in British Airways Executive Club?
As long as you utilize the BA services every 36 months, your Avios will not expire. This includes earning Avios, spending money with BA, and spending Avios.
Even sharing Avios with a BA Executive Club member will keep your points active.
What is the foreign transaction fee for the Chase British Airways Visa Signature® Card?
0%; the card does not have foreign transaction fees.
What is the Chase British Airways Visa Signature Card login?
You can log in to your card using the standard Chase card login. To access information on your Avios and find ways to spend them, log in to your British Airways Executive Club Account.
Is there a 0% APR offer for the Chase British Airways Visa Signature® Card?
No. You will have a variable APR, See Issuer's Terms.
What is the British Airways Customer Service number? Can I contact them in other ways?
You can reach them at +1 (800) 247-9297 and find other ways to contact them here.
Why are British Airways fees so high?
British Airways has a page about their fees here. There are a few ways you can attempt to escape the fees (or to attempt to lower them).
You can either find a different flight, use one of their airline partners (if using Avios to book an award), or use the BA "stopover" feature, which allows you to connect to a final destination in a city in the UK.
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