Compare British Airways credit cards

Your eyes haven’t deceived you, this page really is about British Airways credit cards – there are two available from BA and they’re both provided by American Express. Bear in mind that some stores and online retailers don’t accept Amex so you’ll need to consider an alternative method of payment in those situations

It's all about the rewards

These cards aren’t about 0% balance transfers or purchases – they’re all about collecting Avios and being able to spend them. If you’re wondering what on earth an Avios is when it’s at home then you’re probably not alone, they’re kind of like air miles but not entirely so, because you can spend them on other things like car hire, hotel rooms and wine.

You’ll get one Avios for virtually every £1 you spend according to BA. But if you travel lots and are happy to use your credit card for pretty much everything then the BA credit cards could give you the rewards you want – here’s what’s available.

Compare British Airways credit cards

The British Airways American Express Credit Card

There’s no annual fee for this card and if you spend £1,000 in the first three months of having the card, then you’ll get a bonus 5,000 Avios (which you can use to fly to various destinations around Europe).

The APR on this card is 22.9% (variable) and the limit depends on your credit status; there is no annual fee. The useful thing about this card is that you can get extra points from friends and family if they have a supplementary card (although you’ll be the main cardholder and responsible for it). 

The British Airways American Express Premium Plus Card

Not just premium – but premium plus – and why the upgrade? Well, it’s because you’ll get a whopping 25,000 Avios if you spend £3,000 on your card within the first three months of getting it.

You’ll also get 1.5 Avios for almost every £1 you spend, and if you use your card on a British Airways flight or holiday, you’ll earn 3 Avios for every £1. Like with the standard BA credit card, you can get supplementary cards for friends and family and earn Avios through their spending too.

There is an annual fee for this card which is currently £195, the interest rate for anything you buy is 22.9% but the APR is high at 76% (variable).

Anything else I should know?

If you take out one of these cards, you will get something called ‘Global Assist’ which is a 24/7 helpline whenever you’re abroad. You’ll also be covered for any accidents on public transport and if you have the Platinum Plus card then flight cancellations, delays and luggage delays are also covered – so long as flights were bought with your card.

You’ll also get automatic enrolment in the British Airways Executive Club which gives you exclusive offers and deals on holidays, car rental and experiences.

Who do these cards suit?

These types of cards are handy for globetrotters, but if the furthest you go is the outer edges of the M25 then it’s probably of little benefit to you.

Just make sure you’re aware that, if you’re planning to use your Avios on flights, you’ll need to amass lots of points before you can actually get off the ground.

Ensure you pay your balance off on time each month so you don’t pay any interest or charges, as the APR is pretty high for these cards. And if flying’s not your bag then don’t worry because there are lots of other reward cards out there – just use our credit card comparison service to find the right card for your needs.

All British Airways credit card details are based on information provided on 27 October 2016.

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