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BECU Low Rate Credit Card vs British Airways Visa Signature
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the British Airways Visa Signature from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the British Airways Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($1,050 more in estimated value) than the BECU Low Rate Credit Card's. Get the British Airways Visa Signature first; revisit the BECU Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Low Rate Credit Card | British Airways Visa Signature |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No welcome bonus | 75,000 Bonus Avios |
| Bonus value (est.) | $0 | $1,050 |
| Min spend to unlock bonus | $0 in 0 mo | $5,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios
Editorial take: British Airways Visa Signature
Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or British Airways Visa Signature?
- The British Airways Visa Signature has the bigger bonus, 75,000 Bonus Avios, worth roughly $1,050, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the British Airways Visa Signature?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the British Airways Visa Signature's $95 fee is justified by its perks. If you'll use enough of the British Airways Visa Signature's benefits to clear $95 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and British Airways Visa Signature?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Low Rate Credit Card or the British Airways Visa Signature first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. British Airways Visa Signature: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.