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British Airways Visa Signature®
Score Needed: Good to Excellent
British Airways Visa Signature®
At a glance
Welcome Offer

Earn 85,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

Limited Time Offer
New Offer
All time high
Rewards

3X Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases

3X Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases

1X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
21.49%-28.49% Variable
Annual Fee
$95
British Airways Visa Signature®

Elevate your travel experience with the British Airways Visa Signature® Card. Earn Avios on every purchase, enjoy a generous sign-up bonus, and take advantage of a Travel Together Ticket for flights with a companion. No foreign transaction fees make it perfect for international adventures, and exclusive perks like priority boarding and special discounts add extra value for frequent flyers.

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Lost Luggage Insurance

Luggage Delay Insurance

Companion Certificate

Companion Certificate

Use your Travel Together Ticket

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.*Opens offer details overlay For more details, visit ba.com/TravelTogetherTicketOpens Overlay.

Credits

Up to $600 Reward Flight Statement Credits

Receive 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.

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Lost Luggage Insurance

Lost Luggage Reimbursement

If 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.

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Credits

DoorDash

Get one-year complimentary DashPass, a 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 12/31/24.

Luggage Delay Insurance

Baggage Delay Insurance

Reimburses 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.

Extra Redemption Value

10% Off Exclusive Offer

Take 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption

The points can be used at approximately 0.9 – 1.2 cents per point to book award flights with one of the following British Airways airline partners:

  • Alaska Airlines
  • American Airlines
  • Cathay Pacific
  • Finnair
  • Iberia
  • Japan Airlines
  • Malaysia Airlines
  • Qantas
  • Qatar Airways
  • Royal Air Maroc
  • Royal Jordanian Airlines
  • S7 Airlines
  • SriLankan Airlines

How to book

You can book award flights using your Avios miles with British Airways and its partners; Oneworld and Aer Lingus, here.

To book award flights with other British Airways partners call 1-877-767-7970.

Transfer your Avios to any of the following Chase Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee
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Upgrade Your Wallet!
British Airways Visa Signature® Click learn more to see if you qualify

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.