British Airways

Founded in 1974, British Airways might be most often associated with aeroplanes and holidays, but it also offers two credit cards connected to their loyalty scheme Avios

Both cards are offered with American Express.

You receive Avios points when spending on either card, which can be used towards paying for flights with British Airways.

Their head offices are in Harmondsworth, Middlesex.


British Airways
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Credit cards

Ranked 15th of 34 providers reviewed.

Customer happiness score 63.03%
Customer trust score 57.14%
Complaints performance 63.33%
Transparency rating 57.8%
Fairer Finance score
Reviewed Autumn 2023
60%

Travel insurance

Ranked 26th of 45 providers reviewed.

Customer happiness score 55.83%
Customer trust score 61.67%
Complaints performance 65.11%
Transparency rating 40.35%
Fairer Finance score
Reviewed Autumn 2023
56%

Credit cards

Cashback and reward credit cards

British Airways

American Express Premium Plus

4 stars
Reward extras i Companion voucher for 2-for-1 travel or 50% discount on a flight (spend £10,000/year to qualify), Travel accident insurance (up to £250,000 on public transport), Travel inconvenience insurance (£200 for flight delay, overbooking or missed connection; £750 for baggage delay of 6 hours; £1,000 for extended baggage delay by airline), Global Assist, access to American Express Experiences
Representative APR i 113.1%
Risk based? i
Annual fee in first year i £250.00
Annual fee after first year i £250.00
Foreign purchase fee i 2.99%

British Airways

American Express

3 stars
Reward extras i Companion voucher (economy only) for 2-for-1 travel or 50% discount on a flight (spend £12,000/year to qualify), Travel accident insurance (up to £75k on public transport), Global Assist, access to American Express Experiences
Representative APR i 31%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.99%

Foreign use credit cards

British Airways

American Express

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 31%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.28%

British Airways

American Express Premium Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 113.1%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.28%

Travel insurance

Annual multi-trip insurance

British Airways

Annual Comprehensive

1 stars
Medical excess i £30.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £2,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £1,500.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £0.00
Natural disaster relocation cover i
Max trip duration i 90 days

Single trip insurance

British Airways

Multirisk Travel Cover

1 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £30.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £500.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £200.00
Abandoning your trip (abandonment) cover limit i £0.00
Emergency medical cover and repatriation cover limit i £2,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £1,500.00

Travel insurance add-on: winter sports

British Airways

Annual Comprehensive

2 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £50.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00

British Airways

Multirisk Travel Cover

2 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £50.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £500.00