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British Airways Credit Card Review
Summary
The British Airways credit card is provided by American Express, one of the largest financial institutions in the world, and widely accepted throughout most countries.
The British Airway credit card is ideal if your an existing member of the BA Executive Club loyalty program or you are a traveler looking to make the most of a reward based credit card. For every Pound you spend on the BA credit card you earn BA miles which you can use on British Airways to get free flights, upgrades or companion tickets.
There are 2 cards on offer the BA Credit Card, which offers 1 BA mile for every £1 spent and the BA Premium Plus Card which offers 1.5 BA miles for every £1 spent.
The interest rates are quite high, typically 26% APR on the premium plus card so this is really only a great card if you pay your balance off in full, each month. they do however offer a lifetime balance transfer rate of 4.9% APR.
If you do pay off your bill each month then simply putting all your daily expenditure on the card could soon lead to enough points for that dream trip you've always wanted!
Details
| Introductory Balance Transfers | 4.9% |
| Monthly Rate | 0.4% |
| Period | life of balance |
| Introductory Purchases | N/A |
| Monthly Rate | N/A |
| Period | N/A |
| Standard APR | 26% |
| Monthly Rate | 1.5% |
| Cash Advance APR | 19.845% |
| Cash Advance Fee | 1.5% (Min £1.50) |
| Minimum Payment Required | 3% (Min £5) |
| Annual Fee | None (Subject to minimum spend) |
| Loyalty Points | none |
| Travel Accident Insurance | £50,000 |
| Free Purchase Protection | 90 Days, up to £50,000 |
| Foreign Usage Fee | 2.73% |
Other British Airways Credit Card Features and Benefits
- Earn up to 1.5 BA miles per £1 spent
- Double miles on BA flights
- Free Travel Accident Insurance
- Low Lifetime balance transfer rate
- Online account management
- Free additional cards
British Airways Credit Card Verdict
The standard rate is very high but the lifetime balance transfer offer is competitive. But this is really a card for people who want to pay the balance off each month and get a decent reward scheme. The BA scheme is one of the best and at 1.5 miles per £1 spent the average person can easily build up a useful amount of miles to get some good benefits.