Chase British Airways Credit Card Review

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From Seek Capital - Best for International Travel

Welcome Offer

Earn 100,000 Bonus Avios

Earn 100,000 Bonus Avios. Earn 50,000 bonus Avios after you use your new Card to make $3,000 on purchases in your first 3 Months. Plus an additional 25,000 bonus Avios after spending $10,000 on purchases in the first year. Plus a further 25,000 bonus Avios after spending $20,000 in the first year

Earn

3xAvios
Earn 3 Avios for every dollar spent on British Airways purchases.
1xAvios
Earn 1 Avios for every $1 spent on all other purchases.
$3,000Lost Luggage Reimbusement
Lost or damaged luggage is covered covered up to $3,000 per passenger
$0Foreign Transaction Fee
No foreign transaction fees when using this card

Chase British Airways Card

If you find yourself in Europe or England more than once a year, then the Chase British Airlines card could help you cover travel costs and rack up insane rewards. The bonus structure on this one lets you earn a minimum value of around $1,125, and it’s easy enough to get another $400 to $500 in points value just using the card to pay for things you’d normally purchase. Add in a free companion fare and you’re looking at a potential reward value of over $2,500 your first year — if you know how to put this card to work for you.

Rewards Highlights

  • No Foreign Transaction Fees
  • 3x Avios on British Airways Purchases
  • 1x Avios on Everything Else

Expert Review

The Pros

  • No Foreign Transaction Fees
  • 3x Avios on British Airways Purchases
  • 1x Avios on Everything Else

The Cons

  • Best for International Travelers

Recommended Credit Profile

Rates & Fees

  • Annual Fee$95
  • Regular APR17.99% to 24.99%
  • Great ForBritish AirwaysDiningHotels
  • Regular Purchase APR17.99% to 24.99%
  • Regular Balance Transfer APR17.99% to 24.99%
  • Cash Advance APR26.99%
  • Balance Transfer Fee$5 or 5%
  • Cash Advance Fee$10 or 5%
  • Foreign Transaction Fee0$

Sign-Up Bonus Times Two

One of our favorite things about travel rewards cards is that they offer chances to score big, especially with things such as free flights or hotel stays, and the Chase British Airways card is no exception.

This one comes with a huge sign-up bonus and a second chance to racking up points just for spending with this card.

The first bonus is a traditional sign-up bonus. To land it, you have to make $3,000 worth of purchases in the three months after opening your account. That’s $1,000 a month in spending, which is easy enough to do if you use this card to cover the things you buy daily or weekly, like groceries, gas or food at a local café. It’s less than $34 a day, which makes it easy to get the reward without trying very hard.

And it’s a nice bonus too: 50,000 Avios (that’s British Airline’s version of reward points).

And if you just keep using your card for those everyday expenses, it’s not hard to hit the secondary sign-up bonus. That one requires spending $10,000 on the card within the first year, which is less than $834 a month. Again, you’re going to cover that just using this card for things like feeding the family, getting to work or buying some new clothing from time to time.

For the secondary bonus, you get another 25,000 Avios.

That’s 75,000 Avios, which you can use to book flights on British Airways and its partner airlines (including American Airlines). Depending on when you book and whether it’s a peak period, that could be enough to get you all the way across the pond (the big one — the Atlantic Ocean), and it’s certainly enough to cover a flight or two in and around Europe.

How much are Avios worth? It depends on what you use them for, as the value of flights are constantly in flux. But the average seems to be between 1.5 and 4 cents each, so even at the minimal value, your sign-up bonus is worth $1,125.

Keep Earning Points All Year, Every Year

Cardholders can earn points outside of the sign-up bonus by spending with this card. You get three bonus points for every dollar you spend directly with British Airways, and you get a point for every dollar you spend on just about anything else.

How fast is that really going to add up? Let’s consider a hypothetical situation to see.

We’ll assume you’re a traveler, since you’re looking at a traveler rewards card. Perhaps you travel once a quarter for business, and you spend:

  • $1,200 on each of those trips directly with British Airlines
  • That’s $4,800 for the year, which is 14,400 miles.
  • $800 on car rentals for each trip
  • That’s $3,200, and you get one point each, for 3,200 points
  • $1,500 in hotel and dining costs for each trip
  • That’s $6,000, and with one point per dollar, another 6,000 points

If you’re using the card to cover regular life expenses, $1,000 a month seems like a conservative estimate. That’s another $12,000 and 12,000 points for the year.

Total points? 35,600

Plus, you made the sign-up bonuses, so your grand total is 110,600 points — or $1,659 in value on the low end.

Where can you fly with these points? To or from London. To see castles in the Scottish highlands. To Paris for a romantic getaway. To many other adventurous — or profitable, if you’re traveling for business — locations.

Other things you can do with your Avios include:

  • Cover part of the cost of flights
  • Cover hotel or rental car costs
  • Purchase tickets for experiences around the globe
  • Buy drinks and snacks from the on-board menu of flights to and from Gatwick or London Heathrow

What Other Perks Come with the Chase British Airways Card?

You can earn a Travel Together Ticket. When you spend $30,000 in a year with the Chase British Airways Card (that’s $2,500 a month), you earn a Travel Together Ticket that’s good for two years. And you can earn that perk every year if you meet the spending threshold.

The Travel Together Ticket provides a complimentary fare for your travel companion, and you can even use it on first-class fare. You do have to pay fees and taxes, but this is a perk potentially worth hundreds or even $1,000.

You also get all the protective perks you might expect from a Chase credit card. Those include many of the things we like to see in any travel rewards credit card, including:

  • Lost luggage reimbursement, which covers up to $3,000 worth of value if your luggage (or that of an immediate family member flying on fare purchased with your card) is lost or damaged
  • Baggage delay insurance, which reimburses you for your trouble if your baggage goes missing for six hours or more
  • Auto rental collision damage waiver, which lets you waive the insurance from the rental company and still be covered in an accident

The card also comes with purchase protection that covers theft or damage of a product within the first 120 days of the purchase. The claim limit is $500, and there’s a max of $50,000 per year. You can also take advantage of extended warranty protection, which extends certain U.S. manufacturer warranties by another year.

What About the Fees?

Any good travel rewards credit card pays you to play, and the Chase British Airways card fits that bill. First, there aren’t any foreign transaction fees, which is ideal, as this card works best for someone who uses international airlines.

The card does come with a $95 annual fee, but you’ll more than recoup that with complimentary flights or the Travel Together Ticket.

The bottom line is that the Chase British Airways card is a great deal for anyone who flies British Airlines or its partners regularly and is an ideal choice for someone who does a lot of leisure or business travel in locations like Europe.

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