British Airways Visa Signature® Card
Basic Information
Program ID: british-airways-visa-signature-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 12:57
Last Scraped: 01/15/2026 12:59
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $125,000.00
Spending Requirement: $20,000.00
Time Period: 360 days
Bonus Timing: Typically within 6-8 weeks after meeting spending requirements, but often posts with the next statement cycle after the requirement is met.
Rewards Program
Reward Type: Avios
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x British Airways Purchases, 2x Hotel Accommodations (direct), 1x All Other Purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Avios expire if no activity (earn or redeem) on the account for 36 months.
Transfer Partners: Iberia Plus, Aer Lingus AerClub, Qatar Airways Privilege Club (via Avios transfer)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 0
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Chase cards, rapid application for multiple cards (even if under 5/24), sudden large or unusual spending patterns after meeting minimum spend, not using the card after meeting minimum spend (drawer card), bouncing payments, abuse of return policies, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 70% General / 30% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0