British Airways Amex: Fly High Without the Fee
If you're a frequent flyer, the British Airways American Express® Card lets you rack up Avios without the annual fee. But beware the hefty APR.
The Quick Version
The British Airways American Express® Card is a no-annual-fee option that rewards you with 1 Avios for every £1 spent. It's ideal for frequent flyers aiming to boost their Avios balance without upfront costs. However, the catch is its steep 56.6% variable APR, so it's not for those who carry a balance.
British Airways American Express® Card overview
British Airways American Express® Card
What's Inside
This card offers a straightforward 1 Avios per £1 spent, with a sign-up bonus of 5,000 Avios after your first purchase. Spend £12,000 annually, and you earn a companion voucher, perfect for bringing someone along on your travels. The card is part of the Amex network, which can be a bit limiting compared to Visa or MasterCard.
What's Actually Good
Let's start with the obvious: no annual fee is a huge plus for any credit card. You're also earning Avios on everyday purchases, which is a win if you're loyal to British Airways. The companion voucher is a nice touch for big spenders, effectively giving you more bang for your buck.
The Catch
Here's where it stings: a high 56.6% variable APR means carrying a balance will cost you dearly. You'll also need a credit score of 700+ to qualify, which could be a hurdle. Plus, Amex isn't accepted everywhere, which might limit your earning potential. Lastly, if you're not into Avios, this card won't make much sense for you.
Who It's For
If you're a frequent flyer with British Airways, this card is a no-brainer. It's best for those who pay their balance in full every month and have a good credit score. If you're a casual traveler or prefer rewards flexibility, you might want to look elsewhere.
The Bottom Line
If you're after Avios without an annual fee and can handle the high APR, this card is a strong contender. But if you're looking for more diverse rewards, consider alternatives like the HSBC Rewards Credit Card: Great If You're Already In.
