British Airways American Express Card review April 2019

British Airways American Express Card
British Airways American Express Card
  • Earn 1 Avios for virtually every £1 spent
  • 5,000 bonus Avios if you spend £1,000 in your first 3 months
  • Refer a friend and earn 4,000 bonus Avios
Find out more Go to site

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

For frequent flyers, air miles programmes like Avios are a great way to make day-to-day spending go a little further (literally).

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.

You can earn Avios points with a handful of UK credit cards. 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.

IssuerAmerican Express
NetworkAmex
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 Invites. Global Assist - 24/7 help available when travelling outside the UK. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.
Purchases22.9%
Purchases interest-free period (days)56
Annual/monthly fees£0
Foreign usage charge (EU)2.99%
Foreign usage charge (rest of world)2.99%
Cash advance fee3% (min. £3)
Late payment fee£12
Duplicate statement fee£2
Exceeding limit fee£12
Additional card fee£0
Replacement card fee£0
Dormancy fee£0
Minimum Age18
ResidencyUK residents.
AvailabilityAvailable to new customers
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).
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How does this card compare with other Avios-earning cards on the market?

Comparison ordered by representative APR with affiliated products shown first.
Updated April 19th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
9.9%
£0
Min. limit £500, max. limit not specified.
9.9%
Earn 2,500 bonus Membership Rewards points when you spend £1,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
0% for 18 months reverting to 22.9%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 1 Membership Rewards® point for every £1 spent.
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%
£0
Min. limit £500, max. limit not specified.
22.9%
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
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).
27.542%
£0
Min. limit £250, max. limit £1,500.
27.5%
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
57.6%
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).
0% for 3 months reverting to 19.944%
£0
Min. limit £250, max. limit not specified.
19.9%
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 26 months reverting to 19.944%
£0
Min. limit £250, max. limit not specified.
19.9%
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).

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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.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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