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British Airways Visa Signature Card

YBCC Card Rate Stars Filled
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(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

🎁 Bonus offer

Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.

Bonus points for spend in the following bonus categories:

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

3 x
Airfare
Estimated Rewards Value: 3.6%

Must be booked directly with the hotel

2 x
Hotels
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
Notify me of bonus offer changes
  • Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
  • Earn a Travel Together ticket with $30,000 in spend (or half off an Avios redemption for one)
  • Get 10% off all British Airways tickets and up to a $600 statement credit on Reward Flight bookings

Pros

  • Get 10% off all British Airways tickets and up to a $600 statement credit on Reward Flight bookings
  • Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights
  • Earn a Travel Together ticket with $30,000 in spend (or half off an Avios redemption for one)

Cons

  • No included benefits for trip delays or cancellations
  • It may be better to earn a transferable bank point than Avios
  • Limited bonus categories; then 1X Avios on other purchases
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

British Airways points are best used for short haul flights on Oneworld partners. What keeps these from being worth more are the high redemption costs and surcharges for long haul flights in premium cabins. When you book a US domestic award on AA metal with Avios, you can also cancel and lose only the $5.60 per segment in taxes as the penalty. They can now also be combined into Qatar's frequent flyer program where you can book their business class QSuites at reasonable rates.

APR: 20.49%-27.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: March 24, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$595
Point value
$0.014
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more

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