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British Airways American Express Credit Card review 2020
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.
You say: ★★★★★We say: ★★★★★
Doing its job: 5/5
In a nutshell:
Up to 5,000 points
Up to 56 days
Interest-free each billing period
|Rep. APR||22.2% (variable)|
|Incentive||New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.|
|Additional Rewards Info||Refund 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.|
|Purchases interest-free period (days)||56|
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.
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!
What's in this review?
- Pros and cons
- How does this card compare with other Avios-earning cards on the market?
- Repayment options
- How to apply for the [field id="e04fef19-d6a3-47e8-b266-3a280971b1d6" field="product_GENERAL.NAME" origin="straightforward-niche" code="UKCCF" entity="products"]
- The verdict
- Frequently asked questions
Pros and cons
- Earn Avios on all your spending, without paying an annual fee.
- Big spenders who clear their balance in full each month may get more from the Premium Plus card.
How does this card compare with other Avios-earning cards on the market?
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 visit the Amex website and fill the 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.
With the ability to earn Avios points on all purchases, the British Airways American Express credit card is a good everyday option for those who like to travel. When you add in a generous intro points offer and no annual fee, it’s also a great way to earn points while keeping your costs low, provided you pay off your balance in full each month.
Frequently asked questions
Does this card come with access to American Express Experiences?
Is there a minimum spend requirement to get the intro bonus?
Can I spend my Avios on things other than flights?
Can I get rewarded if I refer a friend?