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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Gold ribbon: first place

Credit cards

Ranked 4th of 31 providers reviewed.

Customer happiness 77.04%
Customer trust 67.35%
Complaints performance 67.88%
Transparency rating 54.25%
Fairer Finance score
Reviewed Autumn 2022
67%
Gold ribbon: first place

Travel insurance

Ranked 9th of 38 providers reviewed.

Customer happiness 64.84%
Customer trust 67.58%
Complaints performance 76.84%
Transparency rating 32.95%
Fairer Finance score
Reviewed Autumn 2022
61%

Credit cards

Cashback and reward credit cards

British Airways

American Express

4 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 28.1%
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%

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 107.7%
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%

Foreign use credit cards

British Airways

American Express

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 28.1%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.09%

British Airways

American Express Premium Plus

1 stars
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Representative APR i 107.7%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.09%

Travel insurance

Annual multi-trip insurance

British Airways

Annual Comprehensive

1 stars
Medical excess i Variable
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 cover limit i £1,500.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £0.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 90 days