Discover the benefits and features of the British Airways American Express credit card. Click to learn more and start earning Avios points today.
Pros
the basic system of rewards
No yearly charge
Bonus welcome
Cons
comparatively high APR for representation
There are fees for using it abroad.
Certain benefits are restricted.
Important characteristics
Gain Avios points for regular purchases.
Free of charge every year
No times when promotions are 100%
Fees
The American Express British Airways card has no annual fee, but there isn't a promotional period for purchases, and balance transfers aren't allowed.
This card has a representative annual interest rate (APR) of 31% (variable) for new purchases.
Nevertheless, you can make purchases with no interest for up to 56 days. Thus, you will not be assessed any interest if you pay off your debt in full and on time each month.
There will be a £12 fee if your monthly repayment is late. Additionally, there is a £12 return payment fee.
Awards
Calculating rewards with this card is easy because you earn one Avios point for almost every £1 spent. This is on top of the 5,000 Avios points welcome bonus you will receive if you spend £1,000 within the first three months.
When redeeming Avios for a budget flight to Europe, one point equals 0.5p. Avios can be used to upgrade to first or business class, or they can be redeemed against a portion of the ticket.
American Express claims that earning 18,500 Avios would be sufficient to guarantee a £1 flight inside Europe.
You'll also receive a Companion Voucher when you use your Card to make purchases totaling £12,000 per membership year. With this voucher, you may use it to either book a companion ticket in the same cabin as you or, if you're traveling alone, receive a 50% discount on the amount of Avios you must pay for your journey. Only when you reserve a British Airways Reward flight in the economy class of Euro Traveller and World Traveller cabins can you use your vouchers? Bookings for Companion Vouchers and reward flights are subject to availability, and there are per-person taxes, fees, and carrier costs.
You can receive at least 4,000 bonus points if you successfully recommend a friend to apply for an American Express card. You can accrue up to 90,000 additional Avios points in a calendar year. These can be used for onboard goodies, flights, or upgrades.
Protection
"Purchase Protection" is a feature of the American Express British Airways Credit Card. You will receive a £2,500 reimbursement if a qualifying item is lost, stolen, or damaged by accident. This is valid for ninety days following the date of purchase. Remember that there will be an additional £50 to pay.
Additionally, the card features "Refund Protection," which means that if you file a claim within 90 days and a UK retailer refuses to refund your money, you will receive a refund of up to £200 for the cost of specified items.
Additionally, as stated in their Ts and Cs, cardholders can file chargebacks; nevertheless, you should speak with American Express directly to examine your options.
Will I qualify?
It is necessary to have a fairly excellent credit score and no history of bad debt to be approved for the American Express British Airways card. You must be at least eighteen years old.
It can be useful to use an eligibility checker tool before submitting an official application. This will indicate your chances of being accepted without affecting your credit history.
What are the advantages?
hefty welcome bonus
continuous opportunity to accrue Avios for daily spending
Chance to receive a complimentary companion ticket
No yearly charge
benevolent referral scheme
Adding more cardholders is possible.
access to Global Assist, a round-the-clock emergency support service. Up to £75,000 in travel accident insurance is available. Both depend on enrollment.
Having access to American Express experiences like theater, movie, and music tickets
What are the drawbacks?
No transactions of balances
Purchases made without a period of interest
Your circumstances may determine the relatively high APR rates that are provided to you.
Fees for use overseas will apply.
Currently, only economy flights are eligible for companion flight redemption.
What else ought I be aware of?
In the last 24 months, if you have held any American Express cards, you will not be qualified for a welcome bonus.
Before using this card to make an ATM withdrawal, proceed with caution as interest is charged instantly.
As with any rewards card, make sure you pay off the entire sum on this one each month. If not, interest costs may offset any benefits you receive.
Is this the perfect card for me?
This credit card might be perfect if you're searching for a generous airline credit card and want to use it for regular purchases, especially in the beginning to benefit from the welcome bonus.
All of the above are free of charge up front: a respectable Avios offer, a welcome bonus, a friend referral program, and the extra benefits that come with owning an American Express card.
What other options do I have?
This card has a fee attached, just like every amazing offer. In this instance, the APR on purchases begins immediately.
There might be a credit card available with a long 0% interest period on new purchases and possibly balance transfers, but the benefits might not be as good.
Check out the other American Express credit cards as well. There may be one with an annual fee but a slightly higher rate of reward points and a larger welcome bonus. When making a decision, consider all of your options, weighing the costs and benefits against how you want to use them.
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