British Airways Visa Signature
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View OfferEarn 75,000 Avios after spending $5,000 in the first 3 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
75,000 Avios once $5,000 of spend posts within your first 3 months. $95 annual fee.
- Annual fee
- $95
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
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.
Earning Rates
At a glance
- 75k Avios bonus
- Travel Together ticket at $30k
- No foreign tx fees
- Great for short-haul AA
Earning rates
2- 3xflights
3 Avios per $1 spent on flight purchases made directly with British Airways, Aer Lingus, Iberia, and LEVEL (Chase issuer page; LEVEL is IAG's low-cost long-haul brand)
- 1xeverything else
1 Avios per $1 spent on all other purchases (Chase issuer page)
Transfer partners
1Statement credits
3- $600Reward Flight Statement CreditsYearly
Up to $600 in annual Reward Flight Statement Credits: $100 per Reward Flight in Economy/Premium Economy or $200 per Reward Flight in Business/First, up to three statement credits per year, when taxes/fees/carrier charges on a BA Reward Flight are charged to the card
- $600Up to $600 in annual Reward Flight Statement Credits
Up to $600 in annual Reward Flight Statement Credits: $100 per Reward Flight in Economy or Premium Economy, or $200 per Reward Flight in Business or First, up to three statement credits per year, when you book a Reward Flight on British Airways and charge taxes, fees, and carrier charges to the British Airways Visa Signature (Chase issuer page, listed as a current card benefit; this is a newer benefit not present in older OMAAT/TPG writeups)
- $25Visa Signature card benefits
Visa Signature card benefits: complimentary concierge, Visa Signature Luxury Hotel Collection (room upgrade when available, daily breakfast for two, complimentary Wi-Fi, $25 food or beverage credit on hotel stays of two nights or more), and Visa Signature dining and entertainment access (standard Visa Signature core benefits available on any product issued on the Visa Signature tier; not Visa Infinite)
Perks & memberships
8- Companion benefitTravel Together Ticket earned every calendar year you make $30,000 in purchases on the card, valid for two years from issuance; redeem to bring one companion on a Reward Flight on British Airways for no additional Avios (taxes, fees and carrier charges still due in cash), or use it for a 50% Avios discount on a solo reward booking (Chase issuer page)
- Companion benefitTravel Together Ticket cash value: BA's own example fare disclosure on the Chase page cites taxes/fees/carrier charges of roughly $682-$1,250 per adult in economy (World Traveller) or about $1,250 in business (Club World) for a Seattle-London round trip, so a companion riding the Avios-only side of the voucher routinely saves $1,000+ on a transatlantic redemption while still paying the BA fuel surcharges on their own ticket
- Companion benefitTravel Together Ticket is in voucher form deposited to the cardmember's British Airways Club account after the $30,000 calendar-year threshold is met, and must be redeemed for travel within two years of issuance per the Chase product disclosure
- Award discount10% off British Airways flights starting in the US when booked through a dedicated cardholder URL provided in welcome materials (Chase issuer page lists this as a current card benefit; not redeemable through ba.com or other booking channels)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (Chase issuer page; Chase notes this saves about $150 in fees on $5,000 of international spend versus a typical 3% FX-fee card)
- Elite statusAvios from card spend do not count toward British Airways Club tier-level qualification or retention; only Tier Points earned from paid BA/oneworld flying count toward Bronze, Silver, and Gold status (Chase issuer page disclosure)
- Points longevityAvios do not expire as long as your British Airways Club account remains active under the program's 36-month activity rule (Chase issuer page disclosure citing British Airways Club terms)
- Companion benefitBritish Airways Household Account: BA members at the same physical address (up to 7 people) can pool Avios into a single Household Account and redeem from the combined balance, making it practical for couples or families to combine card-earned Avios for a single high-value redemption (British Airways Club Household Account program; commonly used in conjunction with the Travel Together Ticket which requires the companion to be on the same itinerary)
Travel & purchase protections
4- Lost Luggage Reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip (Chase issuer page; NY residents limited to $2,000 per bag and $10,000 per trip)
- Baggage Delay Insurance reimburses up to $100 per day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed more than 6 hours (Chase issuer page)
- Purchase Protection covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per item (Chase issuer page; NY residents 90-day coverage window)
- Extended Warranty Protection extends the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, up to 4 years from the date of purchase (Chase issuer page)
More benefits & fine print (2)ShowHide
- Avios earned post to your British Airways Club account automatically at the end of each billing cycle, provided you have a U.S. address on your BA Club profile (Chase issuer page disclosure)
- Avios can be redeemed for Reward Flights on British Airways and oneworld and partner airlines including Alaska Airlines, American Airlines, Aer Lingus, Cathay Pacific, Finnair, Iberia, Japan Airlines, LEVEL, Malaysia Airlines, Qantas, Qatar Airways, Royal Jordanian, and Royal Air Maroc, to over 900 destinations worldwide (Chase issuer page; redemption logistics are the sole responsibility of British Airways)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (3 sources)ShowHide
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How to Earn the Bonus
Spend $5,000 in the first 3 months to earn the 75,000 Bonus Avios bonus.
See the Current Offer
Earn 75,000 Bonus Avios
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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