British Airways Visa Signature® Credit Card
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The British Airways Visa Signature® Credit Card from Chase earns up to 2.5% effective value on travel in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening..
- Top category
- Travel
- Effective value
- 2.5%
- Annual fee
- $95
Best for travel-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the British Airways Visa Signature Credit Card earn in each category?
Travel is the strongest category at 2.5% effective value (2x miles at about 1.3 cents each). That travel rate ranks higher than about 98% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how British Airways Visa Signature Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals.
Travel is the strongest category at 2.5% effective value (2x miles at about 1.3 cents each). That travel rate ranks higher than about 98% of the 2,849 cards we track in that category. The five-category effective-rate table on this page shows how British Airways Visa Signature Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.3% |
| Grocery Supermarkets and grocery stores | 1x miles | 1.3% |
| Gas Gas stations and fuel | 1x miles | 1.3% |
| Travel Flights, hotels, transit | 2x miles | 2.5% Top category |
| Other General everyday spend | 1x miles | 1.3% |
Madeen values British Airways Club Avios at about 1.3 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the British Airways Visa Signature Credit Card reward caps and conditions?
The British Airways Visa Signature Credit Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 Avios for every $1 spent on hotel accommodations booked directly with the hotel
Who should get the British Airways Visa Signature Credit Card?
The British Airways Visa Signature Credit Card fits spenders who put meaningful volume in travel and can earn 2x miles. Best for spenders who put meaningful volume in travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
British Airways Visa Signature Credit Card fits spenders who put meaningful volume in travel and can earn 2x miles. Madeen ranks its travel effective rate higher than about 98% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in travel and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for travel-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is travel at about 2.5% effective (2x miles).
- That travel rate ranks higher than about 98% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- British Airways Club Avios value depends on how you redeem, not straight cash back.
What is the British Airways Visa Signature Credit Card welcome bonus?
In Madeen's catalog snapshot, the British Airways Visa Signature Credit Card welcome offer is Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k British Airways Club Avios (~$938 estimated)
- Terms (catalog snapshot)
- Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
- Minimum spend
- $5,000
- Window
- 3Months
Does the British Airways Visa Signature Credit Card have an annual fee?
The British Airways Visa Signature Credit Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the British Airways Visa Signature Credit Card?
The British Airways Visa Signature Credit Card includes 10% Off Exclusive Offer, Baggage Delay Insurance, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Up to $120 in Instacart credits
$1,440/yrReceive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Up to $600 Reward Flight Statement Credits
$600/yrReceive statement credits of $100 for Economy and Premium Economy - or $200 for Business and First Class seats - three times per year, up to $600, when you book a reward flight to London travelling on British Airways and pay taxes, fees and carrier charges with the British Airways Visa Signature® Card.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Related encyclopedia topics
What annual spend bonuses does the British Airways Visa Signature Credit Card offer?
- Earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flight
Common questions about the British Airways Visa Signature Credit Card
Where do cardholders spend most with the British Airways Visa Signature Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on lodging (2x) for the British Airways Visa Signature Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the British Airways Visa Signature Credit Card have an annual fee?
The British Airways Visa Signature Credit Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the British Airways Visa Signature Credit Card?
Travel is the strongest Madeen category for the British Airways Visa Signature Credit Card at about 2.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the British Airways Visa Signature Credit Card charge foreign transaction fees?
The British Airways Visa Signature Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the British Airways Visa Signature Credit Card welcome bonus?
The British Airways Visa Signature Credit Card welcome offer in our snapshot: Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the British Airways Visa Signature Credit Card annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in travel and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the British Airways Visa Signature Credit Card compare to similar cards?
Compare the British Airways Visa Signature Credit Card against Chase Sapphire Reserve Credit Card (4% on Travel, $795 fee); J.P. Morgan Reserve (4% on Travel, $795 fee); Sapphire Reserve for Business℠ Credit Card (4% on Travel, $795 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
British Airways Visa Signature Credit Card This card | Travel | 2.5% | $95 |
| Travel | 4% | $795 | |
Chase | Travel | 4% | $795 |
| Travel | 4% | $795 | |
| Travel | 2.4% | $450 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for travel spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure