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Our VerdictWhen it comes to rewards cards, simple is often welcome. And this offering from American Express allows you to collect one Avios for around every £1 you spend, in addition to ongoing member perks.
Representative example:The representative APR example gives you an estimate of how much it might cost if you borrowed a certain amount of money. This helps you compare products and provides a guide on how much carrying a balance could cost. Your personal offer may vary from the representative APR example.
At an assumed credit limit of £1,200, at a purchase rate of 31.0% p.a. (variable), the representative APR is 31.0% (variable). Credit available subject to status.
Our ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Representative APR 31% (variable) Rewards/perks One Avios per £1 spent (plus 5,000 Avios bonus when you spend £2,000 in first 3 months) Annual feeWhile there is no annual fee to pay for the American Express British Airways card, there is no promotional period on purchases – and balance transfers are not permitted.
New purchases made on this card will attract a representative annual interest rate (APR) of 31% (variable).
That said, you get up to 56 days’ interest-free on purchases. So, if you clear your balance in full – and on time – every month, you won’t be charged a penny in interest.
If you are late with your monthly repayment, you will face a £12 charge. There is also a returned payment fee of £12.
With this card, working out rewards is simple, as you collect one Avios point for just about every £1 you spend. This is in addition to a welcome bonus of 5,000 Avios points if you spend £2,000 in the first three months.
If you redeem your Avios on an economy flight to Europe, one point is worth around 0.5p. Avios can be redeemed against part of the flight, or to upgrade to business or first class.
According to American Express, collecting 18,500 Avios could be enough to secure a flight within Europe for £1.
You’ll also get a Companion Voucher when you spend £12,000 each membership year on the Card, which you can use to either take a companion with you on the same flight and cabin or, if travelling solo, a 50% discount on the Avios price you pay for your flight. Vouchers are redeemable when you book a British Airways Reward flight in Euro Traveller and World Traveller cabins (economy class) only. Reward flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person.
If you refer a friend who successfully gets approved for an American Express card, you can earn at least 4,000 bonus points. In a calendar year, you can earn up to 90,000 bonus Avios points. You can put these towards flights, upgrades or treats on board.
With the American Express British Airways Credit Card, you get ‘Purchase Protection.’ If an eligible item is stolen or accidentally damaged, you will be reimbursed £2,500. This applies for up to 90 days after the item was purchased. Bear in mind you will have to pay a £50 excess.
The card also offers ‘Refund Protection,’ so if you have trouble with a UK shop refunding your payment, you’ll get the price of eligible items refunded, up to £200, if you submit a claim within 90 days.
In addition, cardholders also have chargeback rights, as detailed in their Ts and Cs – but you should contact American Express directly to discuss.
To be accepted for the American Express British Airways card, you’ll need a pretty good credit rating – and no history of bad debt. You will need to be aged at least 18.
Before formally applying, it can be helpful to use an eligibility checker tool. This will show the likelihood of you getting accepted, without leaving a mark on your credit file.
