British Airways American Express Credit Card review 2021

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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: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).

Up to 5,000 points

Intro bonus

22.2%

Representative APR

£0

Account fee

Up to 56 days

Interest-free each billing period

Details

IssuerAmerican Express
NetworkAmex
Rep. APR22.2% (variable)
Annual/monthly fees£0
Loyalty schemeAvios
IncentiveNew Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
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.
Purchases22.2%
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!

Pros and cons

Pros

  • Earn Avios on all your spending, without paying an annual fee.

Cons

  • 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?

Table: sorted by representative APR, promoted deals first
Data updated daily
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Link
British Airways American Express Premium Plus
25,000 points
3 points per £1 spent
1.5 points per £1 spent
£195 per annum
74.7% (variable)
As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. with a fee of £195 per annum, your representative rate is 74.7% APR (variable).
Check eligibility
More Info
British Airways American Express Card
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.2% (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
Check eligibility
More Info
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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

You can make manual repayments through American Express's app, by logging in to your online banking or over the phone (0800 917 8020). Alternatively you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for the British Airways American Express Card. This won't impact your credit score. If it's good news, you can then proceed to American Express's online application, which takes 10-15 minutes to complete.

The verdict

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 the British Airways American Express 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 on the British Airways American Express card 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 British Airways American Express card 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 to the British Airways American Express card?

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.

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4 Comments

    Default Gravatar
    sarmad
    January 12, 2020

    Does this American Express card providesLoungeKey access

      Avatarfinder Customer Care
      Tom
      January 17, 2020

      Hi Sarmad,

      Thanks for your question. Unfortunately the British Airways American Express card does not provide LoungeKey access. However, it does provide access to hundreds of airport lounges through the Amex Lounge Club program, as well as access to British Airways lounges.

      I hope this helps.

      Regards,

      Tom

    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?

      Avatarfinder Customer Care
      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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