British Airways Visa Signature® Card review

How to apply for the British Airways Visa Signature® Card

1. Learn more about how to apply for British Airways Visa Signature® Card.
2. Fill out the application form.
3. Review your application and submit.

How long will it take to get my British Airways Visa Signature® Card?

Chase can instantly decide on your application. If it requires additional information it may take longer.

Once approved, your card should arrive within seven to 10 business days.

The perks

• Signup bonus. Earn 100,000 Avios after you spend $5,000 on purchases in the first 3 months from account opening.
• Avios points. You’ll earn 5x Avios on British Airways, Iberia and Aer Lingus purchases for the first 12 months, then 5x. You’ll also earn 5x points on hotels in the first 12 months, then 3x. On everything else you buy, you’ll earn 1x Avios.

You’ll also like

• Travel together ticket. Spend $30,000 in a calendar year and earn a companion ticket good for two years. Your companion must be on the same British Airways flight as you and in the same cabin. The flight must start from and return to the US.
• No foreign transaction fees. Whenever you use your card in the UK or anywhere else abroad, you won’t pay any foreign transaction fees.
• Executive Club. By being a cardmember, you’re automatically enrolled in the British Airways frequent flyer program called the Executive Club. This works like any other airline program; you earn and redeem points on flights, car rentals, hotel stays and more.
• Visa Signature perks. Since this is a Visa Signature card, you get all the perks that come with it, such as car rental collision damage waiver, baggage delay and lost luggage reimbursement, extended warranty protection, purchase protection and more.

What to watch out for

• Annual fee. The card doesn’t come free. Expect to pay $95 annually to own the card.
• Reward ticket fees. You’re responsible for taxes, fees and carrier charges on your reward flights and travel together tickets. These can be $682 to $1,250 per adult in economy class or $1,250 in business class based on travel from Seattle to London.
• Signup bonus qualification. You won’t qualify for the signup bonus if you’re a current card member of British Airways Visa Signature® Card or a cardmember who received a new-cardmember bonus for this credit card within the past 24 months.

Compare travel credit cards

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Chase Sapphire Preferred® Card		100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Up to $1,250 signup bonus Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 6 months	4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases	$250		Rose Gold is Back Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe	10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases	$695		New Platinum Exclusive Offer One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...

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What should I know before I apply?

To apply for the card, you must be at least 18 years old or 19 in Alabama and Nebraska, and a US resident.

Also, you need to provide the following information:

What credit score do I need?

You can apply for the card with good to excellent credit score of 740 or higher.

British Airways Visa Signature® Card reviews and complaints

Customers complain about the high fees and taxes when redeeming reward flights. They claim the fees and taxes cost almost as much as the airfare if you buy it with cash. Also, some customers complain about the difficulty to get a seat on British Airways flights when redeeming Avios.

JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but it has an A+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of October 2020. Most customer complaints revolve around poor customer service and hidden costs Chase credit cards in general. Make sure you read your card’s terms and the rewards agreement to avoid issues with your account.

As of October 2020, Chase earns a Trustpilot score of 1.3 out of 5. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews cite the bank’s great mobile app and quick resolutions to their issues. Overall, your mileage may vary with Chase customer support.

I got the card. Now what?

• Download the Chase Mobile app. Use the app to monitor your account, pay your bills, transfer money and more.
• Avoid paying interest and fees. Your due date is 21 days after the close of each billing cycle. Make sure you pay your balance on time to avoid paying interest and late payment fees.
• Customer support. For any questions you may have, call 800-432-3117 and the Chase customer service will assist you.

Bottom line

If you often fly with British Airways or with other Oneworld Alliance airlines, this may be a good card for you. You’ll earn Avios, which you can redeem for flights — and if you spend $30,000 in a calendar year, you’ll earn a companion ticket.

However, know that redeeming a reward flight comes with high fees and taxes.

If you don’t think that this could be a good card for you, check out other airline credit cards or general travel credit cards and compare your options.

Frequently asked questions

• How long will it take until I get my bonus points?

  It usually takes between six to eight weeks to receive your bonus points after you hit the spending target.

• Can I pay for my reward flights using Avios and cash?

  Yes. British Airways allows you to pay cash if you don’t have enough Avios or if you would like to save up some for your next reward.

• Can I share my Avios?

  Yes. You can share your Avios with people who live at the same address as you or simply transfer them to another member’s account if they live elsewhere. You’re allowed to transfer up to 162,000 points, with a maximum of 27,000, to any other Executive Club Member during one calendar year.

• How long will it take until I get my companion ticket?

  Your Travel Together Ticket will automatically be added to your BA Executive Club account within four to six weeks from reaching the $30,000 target.