British Airways Visa Signature® Card
Made for flyers who book British Airways reward flights. You earn 3 Avios per $1 on British Airways, Aer Lingus and Iberia flights, and the card refunds up to $600 a year of taxes and fees on reward flights. The annual fee is $95. The Travel Together Ticket requires $30,000 in purchases in a calendar year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 75,000 Avios welcome offer with a $5,000 spend in 3 months
- Up to $600 a year back on reward flight taxes and fees
- Travel Together Ticket at $30,000 in calendar-year purchases, valid for two years
- The Travel Together Ticket also works as a 50% Avios discount on a solo reward booking
- 10% off select British Airways flights starting in the U.S.
- 3 Avios per $1 on Avios-family flight purchases
- Annual fee: $95
- Purchase APR: 19.24% - 27.74% Variable
- Intro APR: N/A
- Balance transfer APR: 19.24% - 27.74% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $10 or 5% of each transaction, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You redeem Avios for British Airways flights and want the taxes and fees refunded, up to $600 a year
- You can reach $30,000 in annual spending and will use the Travel Together Ticket on a premium cabin award
- You fly to London or connect through Heathrow at least once a year
- You should skip it if you rarely book BA reward flights; the statement credits are the main reason this card beats a flexible travel card
British Airways Visa Signature® Card Review
The British Airways Visa Signature® Card pairs Avios earning with statement credits that attack the weak point of BA awards: taxes and carrier charges. This review explains the credits, the Travel Together Ticket, and the math behind the $95 fee.
How You Earn
Earning is flight-weighted, and the welcome offer does most of the early work toward a transatlantic award.
- 75,000 Avios welcome offer after $5,000 in 3 months
| Category | Earn rate |
|---|---|
| British Airways, Aer Lingus, Iberia flights | 3 Avios per $1 |
| Hotels booked directly with the hotel | 2 Avios per $1 |
| All other purchases | 1 Avios per $1 |
How You Redeem
Avios shine on short partner flights and premium cabins; the card's statement credits then claw back the cash side of BA awards.
- Reward flights on British Airways and oneworld partners
- Statement credits of $100 (economy, premium economy) or $200 (business, first) up to three times a year when you pay taxes and fees on a BA reward flight with the card
- Avios stay alive with any account activity every 36 months
Benefits and Protections
Visa Signature protections cover purchases and luggage, and DashPass adds a year of delivery perks.
- Travel Together Ticket at $30,000 in calendar-year purchases, valid two years
- 10% off select BA flights starting in the U.S.
- Purchase protection up to $500 per item for 120 days
- Extended warranty adds one year to U.S. manufacturer warranties
- Lost luggage reimbursement up to $3,000 per traveler
- Baggage delay insurance up to $100 a day for 3 days
- One-year complimentary DashPass membership
Who This Card Is For
This card is for the flyer who already books BA awards and grumbles at the carrier charges. The credits convert that annoyance into up to $600 of value a year, which no competitor matches.
- Avios collectors who redeem on British Airways metal
- Households targeting the Travel Together Ticket
- Transatlantic premium cabin travelers
Comparison
| Feature | British Airways Visa Signature® Card | Delta SkyMiles® Gold American Express Card | Citi® / AAdvantage® Platinum Select® |
|---|---|---|---|
| Annual Fee | $95 | $0 intro first year, then $150 | $0 intro first year, then $99 |
| Welcome Offer | 75,000 Avios ($5,000 in 3 mo) | As high as 80,000 miles plus $250 credit | 50,000 miles ($2,500 in 3 mo) |
| Rewards Rate | 3x flights, 2x hotels, 1x other | 2x Delta, dining, U.S. supermarkets | 2x AA, restaurants, gas stations |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | British Airways award bookers | Delta flyers | American Airlines flyers |
Issuer Comparison
| Feature | British Airways Visa Signature® Card | Aer Lingus Visa Signature® Card | Iberia Visa Signature® Card |
|---|---|---|---|
| Annual Fee | $95 | $95 | $95 |
| Welcome Offer | 75,000 Avios ($5,000 in 3 mo) | 75,000 Avios ($5,000 in 3 mo) | 75,000 Avios ($5,000 in 3 mo) |
| Rewards Rate | 3x flights, 2x hotels, 1x other | 3x flights, 2x hotels, 1x other | 3x flights, 2x hotels, 1x other |
| Key Credits | Up to $600 reward flight credits, Travel Together Ticket | Companion ticket at $30,000, 2,500 anniversary Avios | $1,000 discount voucher at $30,000 |
| Best For | British Airways flyers | Aer Lingus flyers | Iberia flyers |
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