0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Avios
Base Rate: 1x
Bonus Rate: 3x
Categories: 3x British Airways Purchases, 2x Hotel Accommodations (direct), 1x All Other Purchases
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Avios expire if no activity (earn or redeem) on the account for 36 months.
Point Value: 0.02¢
Travel Portal Multiplier: 0x
Transfer Partners: Iberia Plus, Aer Lingus AerClub, Qatar Airways Privilege Club (via Avios transfer)
Redemption Penalties: Award ticket change/cancellation fees may apply (typically $55 per ticket).
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING125,000
Points/MilesRequirement: Spend $20,000 in 360 days
Timing: Typically within 6-8 weeks after meeting spending requirements, but often posts with the next statement cycle after the requirement is met.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.99%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the British Airways Visa Signature Card, applicants must generally have a good to excellent credit score (typically 700+ FICO), be a U.S. resident, and be at least 18 years old with sufficient income. The primary application rule is Chase's '5/24 Rule,' meaning applicants will be denied if they have opened 5 or more personal credit cards across *any* issuer in the past 24 months. Additionally, applicants are typically ineligible for the new cardmember bonus if they currently hold the British Airways Visa Signature Card or have received a new cardmember bonus for this specific card in the past 24 months. The sign-up bonus requires meeting a specified minimum spending requirement within the initial months of account opening.
Max Cards Per Issuer: 0
Min Spend Interval: 3 months
Cliff Effect Rules: Applicants are generally ineligible for the sign-up bonus if they currently hold the British Airways Visa Signature Card or have received a new cardmember bonus for this card in the past 24 months. This rule applies specifically to the British Airways Visa Signature product and is distinct from other Chase co-branded or Ultimate Rewards cards.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Excellent sign-up bonus, valuable Avios for British Airways flights, especially short-haul or with companion pass, no foreign transaction fees, good earning rate on BA purchases.
Top Negative:
High annual fee, Avios redemption can be difficult due to high fuel surcharges, companion pass requires very high spending and has limitations, Avios devaluation concerns.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- United Explorer Card
- American Express Gold Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $429.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0