British Airways American Express Card review November 2019

Earn Avios while you spend and enjoy introductory bonus points with the British Airways American Express Card.

With the British Airways American Express Card, you’ll earn points virtually every time you use your card, to redeem with British Airways or a number of other airlines, for flights, flight upgrades, hotel stays and more.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).

22.9%

Representative APR

£0

Account fee

Up to 5,000 points

Intro bonus

Earn 1 point

per £1 spent

Details

IssuerAmerican Express
NetworkAmex
Rep. APR22.9% p.a. (variable)
Annual/monthly fees£0
Loyalty schemeAvios
Incentive5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Additional Rewards InfoRefund Protection (90 days to return, receive max £200 per item, £750 per year). Automatic enrolment to the British Airways Executive Club. Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences. Global Assist - 24/7 help available when travelling outside the UK. Eligible for American Express Offers where cardmembers can choose offers from selected retailers to obtain discounts or cashback.
Purchases22.9%
Purchases interest-free period (days)56

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

For frequent flyers, air miles programmes like Avios are a great way to make day-to-day spending go a little further (literally). You can earn Avios points with a handful of UK credit cards including the BA Amex. Which one is most suitable for you will depend on your circumstances and how you plan to use the card – with each card having its own specific features, like annual fees, interest rates, Avios earn-rates, introductory bonuses etc. Don’t forget that introductory “welcome” bonuses tend to come with a few minimum-spend strings attached.

Crucially, if you’re likely to carry a balance from month to month, you’ll almost certainly pay more in interest than you’ll earn in rewards with this card. But if that doesn’t apply to you, try to calculate how much you’ll spend on your card each month, to see whether it’s worth opting for this card’s big sister – and swallowing the annual fee in return for a better earn-rate.

Plus, if you’re a master of persuasion, don’t forget that there are tasty points rewards to be had when you sign-up a friend or family member too!

How does this card compare with other Avios-earning cards on the market?

Table: sorted by representative APR, promoted deals first
Updated November 15th, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
25,000 points
3 points per £1 spent
1.5 points per £1 spent
£195 per annum
76% p.a. (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 917 8020), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the British Airways American Express Card

If you’re impressed by the British Airways American Express Card and want to apply, just click on the “Go to site” button and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

Frequently asked questions

Does this card come with access to American Express Experiences?
Yes, as with other Amex cards, you’ll be able to tap into all the perks of the American Express Experiences (formerly Invites) scheme.
Is there a minimum spend requirement to get the intro bonus?
Yes, you’ll need to spend a specified amount, within a specified timeframe (that starts when your account is opened) – see table above.
Can I spend my Avios on things other than flights?
Yes, as well as flights (or even simply part of the price of a flight), your Avios can be redeemed for car hire, hotel rooms and flight upgrades.
Can I get rewarded if I refer a friend?
Yes, in fact that’s a great way to boost your points earnings after the excitement of your intro bonus has worn off! Check out our guide to Amex’s referral programme.

Finder credit card ratings

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Our team evaluates credit cards to determine their value against similar products on the market.

We look at the how good the card is for its designated purpose – spending abroad, clearing debt, earning air miles etc. – how costly it is to use day-to-day and whether it offers much in the way of extras. Learn more about our credit card rating methodology.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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2 Comments

  1. Default Gravatar
    Georgie
    September 23, 2019

    Do you have to pay off the amount you put on to your card each month or can you pay it off bit by bit?

    • AvatarStaff
      tomstelzer
      September 27, 2019

      Hi Georgie,

      Thanks for your question. You can choose to pay off your balance bit by bit, but you’ll be charged interest on the amount that remains on your card each month.

      At the time of writing, each month you’ll be required to pay 2% of your outstanding balance or £25 – whichever is greater. So if you had £100 outstanding, for example, you’d need to pay a minimum of £25. If you had £1,500 outstanding, you’d need to pay a minimum of £30.

      If you want to avoid paying interest, it’s important to try and pay off your balance in full each month. With this card, you’ll have up to 56 days interest free, which means you can potentially have a bit more time before you’ll be charged interest on your balance. Say your credit card statement covers the period between 1st January and 31st January. You’d then have until 25th February to pay off your January balance without being charged interest, which is 56 days after the start of the statement period.

      Hope this helps, but please let me know if you’ve got any other questions.

      Thanks,

      – Tom

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