Is the BA Amex Premium Plus Worth the £250 Fee?
Frequent flyers might love the Avios rewards, but the hefty annual fee and 56.6% APR could be dealbreakers for some.
The Quick Version
The British Airways American Express® Premium Plus Card is a strong contender for frequent British Airways travellers, thanks to its generous Avios rewards and valuable perks. However, the £250 annual fee and eye-watering 56.6% APR aren't for the faint-hearted. If you're not consistently flying with BA, this card might not justify its cost.
Embed of the British Airways American Express® Premium Plus Card
British Airways American Express® Premium Plus Card
What's Inside
The card offers a solid 1.5 Avios per £1 spent, perfect for racking up points quickly. Spend £3,000 in the first three months, and you'll earn a 25,000 Avios sign-up bonus. If you hit £10,000 annually, you get a Travel Together ticket, doubling the value of your Avios on a companion flight. Plus, it includes worldwide travel insurance, adding peace of mind when jet-setting.
What's Actually Good
- ✅ Earn 1.5 Avios per £1 spent, which is competitive among travel cards.
- ✅ The 25,000 Avios sign-up bonus is a strong start for new cardholders.
- ✅ The Travel Together ticket can significantly enhance the value of your Avios.
- ✅ Worldwide travel insurance is a nice touch, covering you on your adventures.
The Catch
- ❌ The £250 annual fee is steep and only justifiable if you maximize the card's benefits.
- ❌ A variable APR of 56.6% means carrying a balance is not an option unless you enjoy burning money.
- ❌ Requires a good to excellent credit score, so it's not accessible to everyone.
- ❌ Limited value outside British Airways flights, making it less versatile than other cards.
Who It's For
This card is designed for loyal British Airways customers who frequently travel and can leverage the Avios and companion ticket perks. If you spend a significant amount on flights and can pay off your monthly balance in full, you'll find real value here. It's less ideal for those who prefer flexibility in their travel options or are looking for a low-fee card.
The Bottom Line
If you're a BA enthusiast who travels regularly, the British Airways American Express® Premium Plus Card offers substantial rewards. Just be sure you're making the most of those perks to justify that hefty fee. For more options, check out Credit Cards for Every Need: Top Picks for March.
