British Airways American Express Card review April 2019

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.

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

Updated April 19th, 2019

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Name	Product	Purchases	Annual/monthly fees	Credit limits	Rep. APR		Incentive	Representative example
American Express Rewards Low Rate Credit Card		9.9%	£0	Min. limit £500, max. limit not specified.	9.9%	Go to site More Info	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).	Compare	loading Fetching your data...
American Express Rewards Purchases Credit Card		0% for 18 months reverting to 22.9%	£0	Min. limit £500, max. limit not specified.	22.9%	Go to site More Info	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).	Compare	loading Fetching your data...
American Express Rewards Credit Card		22.9%	£0	Min. limit £500, max. limit not specified.	22.9%	Go to site More Info	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).	Compare	loading Fetching your data...
Tesco Bank Foundation Clubcard Credit Card Mastercard		27.542%	£0	Min. limit £250, max. limit £1,500.	27.5%	Go to site More Info	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).	Compare	loading Fetching your data...
American Express Preferred Rewards Gold Credit Card		22.9%	Year 1 - £0, Year 2 onwards - £140 per annum	Min. limit £700, max. limit not specified.	57.6%	Go to site More Info	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).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 28 Months Balance Transfer Mastercard		0% for 3 months reverting to 19.944%	£0	Min. limit £250, max. limit not specified.	19.9%	More Info	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).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card 26 Month for Purchases Mastercard		0% for 26 months reverting to 19.944%	£0	Min. limit £250, max. limit not specified.	19.9%	More Info	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).	Compare	loading Fetching your data...

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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:

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.