Review of the British Airways Visa Signature



The British Airways Visa Signature was last reviewed on 11th June 2005

Summary - We recommend the British Airways Visa® Signature Card from Chase for the BA Club World member and frequent flyer because
  • You can earn double miles for British Airways purchases
  • You get 15,000 bonus miles after your first purchase
  • You can earn unlimited miles
  • You get $20 off any British Airways ticket purchase made with your card at www.britishairways.com/get20 - buy a BA ticket four times a year and you will more than cover your $75.00 annual fee
  • You get a complimentary Companion Ticket each time you purchase a full-fare Club WorldSM or FIRST ticket with your card - if you are a frequent or first class traveller, the complimentary tickets will more than offset your annual fee

Let's take a closer look at this card.

Miles Formula - The British Airways Visa Signature allows you to earn double miles on British Airways purchases and one mile for every dollar you spend on other purchases. You get 15,000 bonus miles after the first use of the card. You can earn unlimited miles. You will also get $20 off any British Airways ticket purchase made with your card at www.britishairways.com/get20. In addition, you will get a complimentary companion ticket each time you buy a a full-fare Club WorldSM or FIRST ticket with your card. If you travel at least once a year in business or first class, this complimentary ticket will essentially more than cover the cost of the annual fee.

Annual Fee - The annual fee is $75.00. The apr is prime rate plus 8.99%. You also get a introductory apr of 4.90% for 5 billing cycles on both purchases and balance transfer. This card uses the average daily balance method of calculating monthly balances.

British Airways Domestic Partners - You can use BA miles to redeem flights with American Airlines´┐Ż, America West Airlines or Alaska Airlines.

Conclusion - We recommend the British Airways Visa® Signature Card from Chase to the British Airways frequent flyer. If you travel by business class at least once a year with a companion, the complimentary companion ticket that you get when you purchase with your card will more than pay for the annual fee. Alternatively, if you purchase four tickets a year with the card at www.britishairways.com/get20, yoiu will also more than cover the annual fee. In addition, you will get Visa Signature benefits like 24-hour concierge service and other privileges.

Positives
  • Earn double miles
  • Get 15,000 bonus miles after first use of the card
  • Get $20.00 off any British Airways ticket purchase made with your card at www.britishairways.com/get20 - buy four tickets a year this way and you will more than cover the annual fee
  • Earn unlimited miles
  • Complimentary Companion Ticket each time you purchase a full-fare Club WorldSM or FIRST ticket with your card will more than offset the annual fee



British Airways Visa Signature
Miles Formula
Signing Bonus 15,000 miles after first purchase
Miles Accumulation 2 miles for every $1 spent on British Airways purchases
1 mile for every $1 spent on purchases
Complimentary Tickets Receive a complimentary companion ticket upon purchase of full-fare FIRST or CLUB WORLD (Business) Class round-trip tickets to London and beyond when charged to British Airways Visa Signature
Caps on miles Earn unlimited miles
Travel and Insurance Benefits
Up to $1,000,000 Travel Insurance
Up to $3,000 lost luggage insurance
Auto rental insurance
Airport parking guarantee
Roadside dispatch
Other Benefits
Dining privileges>
Cost/Fees/Interest rates
Introductory rate 4.9% fixed APR for 5 billing cycles (purchases and balance transfers)
Annual Fees $75.00
Purchase APR Prime Rate plus 8.99%
Balance Transfer APR Prime Rate plus 8.99%
Cash Advance APR Prime Rate plus 14.74%
Penalty/Default Rate Prime Rate plu 23.99%
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method Average Daily Balance (including new purchases)
Balance Transfer Fee 3% min $5.00 max $75.00
Convenience checks fee 3% min $5.00 max $75.00
Cash Advance fee 3% min $10.00
Foreign Currency Conversion fee 3%
Over-the-credit-limit fee none
Late Payment fee $15.00 - up to but not including $250.00
$39.00 - more than $250.00



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