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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.

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Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 101.1% APR (variable).

Up to 40,000 points

Intro bonus

101.1%

Representative APR

£250

Yearly account fee

Up to 56 days

Interest-free each billing period

Details

IssuerAmerican Express
NetworkAmex
Representative APR101.1% APR (variable)
Annual/monthly fees£250 per annum
Loyalty schemeAvios
IncentiveAs a new Cardmember, earn 40,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere.
Additional Rewards InfoRefund 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.
Purchases24.5%
Purchases interest-free period (days)56

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

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

Pros

  • 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 40,000 points introductory bonus

Cons

  • £250 annual account fee

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

Table: sorted by representative APR, promoted deals first
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
British Airways American Express Card
10,000 points
1 point per £1 spent
1 point per £1 spent
£0
24.5% APR (variable)
Go to site
Limited time offer: Earn 10,000 bonus Avios when you spend £1,000 in your first 3 months. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a., your representative rate is 24.5% APR (variable).
British Airways American Express Premium Plus
40,000 points
3 points per £1 spent
1.5 points per £1 spent
£250 per annum
101.1% APR (variable)
Check eligibility
As a new Cardmember, earn 40,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 24.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 101.1% APR (variable).
Virgin Money Virgin Atlantic Reward Credit Card
N/A
1.5 points per £1 spent
1 point per £1.33 spent
£0
22.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
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).
Virgin Money Virgin Atlantic Reward Plus Credit Card
15,000 points
3 points per £1 spent
1.5 points per £1 spent
£160 per annum
63.9% APR (variable)
Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
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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 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 verdict

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" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) 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 (£168.95), it'll cost you around £5.05 in fees.

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