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For quite a while now, the British Airways Visa Signature® Card has been offering a great sign-up bonus. I haven’t written about it in a while, and it’s a card that falls off many peoples’ radars, but there are a couple of reasons this might be especially interesting to many:
- The card isn’t subjected to Chase’s 5/24 rule
- The card has a great sign-up bonus, and is potentially rewarding for spend long term, given the companion ticket it offers
The British Airways Visa Card has a sign-up bonus of up to 100,000 Avios, though there are significant spend thresholds involved:
- 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening
- 25,000 additional bonus Avios after you spend $10,000 total on purchases within your first year from account opening
- 25,000 additional bonus Avios after you spend $20,000 total on purchases within your first year from account opening
The sign-up bonus on this card isn’t available to those who currently have the card, as well as previous cardmembers who received a new cardmember bonus for the credit card within the last 24 months. This is a card that I imagine a lot of people are eligible for.
The card has a $95 annual fee, which isn’t waived the first year.
In my opinion it could make sense to get the British Airways Visa Card even if you weren’t planning on completing $20,000 of spend on the card in the first year. That’s because the 50,000 Avios bonus is as big as the offer usually gets, so you’re not going to get a bigger bonus at that threshold — earning 50,000 Avios for $3,000 of spend is a great return.
But if you are a big credit card spender, it could make a lot of sense to put additional spend on the card, in my opinion. Once you’ve earned the first 50,000 Avios after spending $3,000 within three months, you earn:
- 25,000 bonus Avios for the next $7,000 you spend (which is ~3.6 bonus Avios per dollar spent, in addition to the normal Avios per dollar spent)
- 25,000 bonus Avios for the $10,000 you spend (which is 2.5 bonus Avios per dollar spent, in addition to the normal Avios per dollar spent)
That’s a really solid return, in my opinion across the board. Also keep in mind that the card offers a Travel Together Ticket for any calendar year in which you spend $30,000 on the British Airways Visa Card, so at that point you’re only $10,000 from reaching that threshold. This certificate can be a great deal, though keep in mind you have to pay British Airways’ hefty carrier imposed surcharges for both passengers if you redeem this.
I know a lot of people had this card almost a decade ago, so many people may not realize that they’re eligible to be approved for this card again. The sign-up bonus on the British Airways Visa Card is great, regardless of whether you’re going for the 50,000 Avios upon completing minimum spend, or plan to spend all the way to 100,000 bonus Avios, which represents a good deal for big spenders as well. I applied for this card back in April, and am happy to have it.