British Airways American Express Premium Plus review 2021
Find out how to apply, and earn Avios while you spend with this BA Amex premium credit card.
If you're a frequent flier with BA, then depending on how you use the card you could reap a wide range of benefits – which you'll need to weigh up against the high representative APR and an annual fee.
You say: ★★★★★We say: ★★★★★
Doing its job: 5/5
In a nutshell:
Up to 25,000 points
Yearly account fee
Up to 56 days
Interest-free each billing period
|Rep. APR||74.7% (variable)|
|Annual/monthly fees||£195 per annum|
|Incentive||As a new Cardmember, earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership.|
|Additional Rewards Info||Refund Protection (90 days to return, receive max £300 per item, £1K 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.
You can earn Avios points with a handful of UK credit cards, but this is the most generous of the bunch, with the biggest welcome bonus (don’t forget that those bonuses tend to come with a minimum-spend string attached) and the best ongoing Avios earn-rate.
Which frequent flyer card 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. Try to calculate how much you’ll spend on your card each month, to see whether it’s worth opting for this card’s little sister – thereby ditching the annual fee in return for a slightly reduced earn-rate.
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.
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
- Applicants with low credit scores may be eligible
- Customers report excellent customer service when dealing with American Express
- Earn points on day-to-day spending
- Up to 25,000 points introductory bonus
- £195 annual account fee
How does this card compare with other Avios-earning cards on the market?
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 Premium Plus. 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 big brother to the standard British Airways Amex card, the British Airways Premium Plus credit card boasts a bigger intro bonus and better earn rate. Of course, nothing comes for free, and you’ll need to stump up for a high annual fee in return for better rewards.
Ultimately, this is a premium card for high-spending frequent travellers, especially those who can make the most of the generous intro points bonus.
Frequently asked questions
What credit limit will I get with the British Airways American Express Premium Plus?
If American Express is able to offer you this deal, the offer will specify a personalised credit limit based on American Express's assessment of your situation. The minimum limit offered on this card is £700 and American Express does not specify a maximum. Once you've had the card for a while and shown American Express that you're reliable, you may wish to apply for a credit limit increase.
Can I withdraw cash using the British Airways American Express Premium Plus?
Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) often incur steep fees and/or higher rates of interest.
The cash advance fee on the British Airways American Express Premium Plus is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.
The interest rate on this part of your balance will be 27.1% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).
How much does it cost to use the British Airways American Express Premium Plus abroad?
Non-sterling transactions are subject to a 2.99% charge. For example, if you spend 200 euros (£172.65), it'll cost you around £5.16.