Chase British Airways Credit Card Review

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The Chase British Airways card comes with a big sign-up bonus of 100,000 Avios and several nice benefits such as a $600 Reward Flight credit, a Travel Together Ticket, and several travel protections.

100,000 Bonus Avios
Chase British Airways
  • Earn Up to 100,000 Avios: 75,000 Avios After Spending $5,000 in the First 3 Months & 25,000 Avios After Spending $20,000 in First 12 Months
  • 3x Avios on British Airways, Aer Lingus, and Iberia
  • 2x Avios on Hotels Booked Direct
  • Up to $600 Reward Flight Statement Credits
  • Baggage Delay and Lost Luggage Insurance
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

British Airways Card Benefits

$600 Award Flight Credits– Award flights from the U.S. to the U.K. have very high taxes and fees on British Airways. This credit helps you offset some of those taxes and fees with a $200 credit for business and first-class awards and $100 for economy class awards. 

You can use these credits up to 3 times per year, but you only get a credit for one-way or round-trip flights departing the United States. 

British Airways Reward Flight cost
One-Way Business Class Award Ticket from Chicago to London

Economy class taxes and fees are more reasonable at about $229 one-way, but they jump to about $625 round-trip due to the U.K.’s very high departure taxes.

I don’t see much value in using Avios for British Airways economy class to Europe because many times you can book a cash flight for the same price of an award flight, when factoring in the taxes and fees. 

British Airways Economy Reward flight cost
One-Way Economy Class Award Ticket from Chicago to London

The Chase British Airways card comes with a big sign-up bonus of 100,000 Avios and several nice benefits such as a $600 Reward Flight credit, a Travel Together Ticket, and several travel protections.

100,000 Bonus Avios
Chase British Airways
  • Earn Up to 100,000 Avios: 75,000 Avios After Spending $5,000 in the First 3 Months & 25,000 Avios After Spending $20,000 in First 12 Months
  • 3x Avios on British Airways, Aer Lingus, and Iberia
  • 2x Avios on Hotels Booked Direct
  • Up to $600 Reward Flight Statement Credits
  • Baggage Delay and Lost Luggage Insurance
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

British Airways Card Benefits

$600 Award Flight Credits– Award flights from the U.S. to the U.K. have very high taxes and fees on British Airways. This credit helps you offset some of those taxes and fees with a $200 credit for business and first-class awards and $100 for economy class awards. 

You can use these credits up to 3 times per year, but you only get a credit for one-way or round-trip flights departing the United States. 

British Airways Reward Flight cost
One-Way Business Class Award Ticket from Chicago to London

Economy class taxes and fees are more reasonable at about $229 one-way, but they jump to about $625 round-trip due to the U.K.’s very high departure taxes.

I don’t see much value in using Avios for British Airways economy class to Europe because many times you can book a cash flight for the same price of an award flight, when factoring in the taxes and fees. 

British Airways Economy Reward flight cost
One-Way Economy Class Award Ticket from Chicago to London

Travel Together Ticket

If you spend $30,000 in a calendar year on this card, you are eligible for a Travel Together Ticket good for two years. This allows you to book two award tickets departing the U.S. for the price of one. This even includes business and first-class.

All you have to do is pay the taxes and fees on the companion ticket, which could be partially offset by the $600 award flight credits above.

Baggage Delay Insurance

Baggage delay insurance can reimburse you for the cost of necessary personal and business items if (1) you purchased your trip with this card and (2) your bag is delayed by a common carrier like an airline, train, ferry, or cruise ship, etc.

Common reimbursable items include clothing, toiletries, and phone chargers, which can be a life-saver when you are without your bag.

Lost Luggage Reimbursement

Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.

You must purchase the trip with this card, and it will also cover immediate family members traveling with you.

Coverage is also secondary to any reimbursement from the airline or common carrier. For example, if your bag and its contents were worth $1,000 and the airline gave you $200, you could file a claim for $800.

Luggage

No Foreign Transaction Fees

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Santorini Europe

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.

You still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.

But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.

Purchase Protection

Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.

For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.

Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.

Credit Card Purchase Protection Broken Phone

Alternatives to the Chase British Airways Card

There a few alternatives to the British Airways credit card that allow you to transfer credit card points to British Airways Avios.

Chase Sapphire Preferred: Great Starter Travel Card

The Chase Sapphire Preferred is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

It comes with a welcome bonus of 60,000 points that’s worth $750 when redeemed for travel via Chase Ultimate Rewards and also valuable when transferred to airline and hotel points partners. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

Chase Sapphire Reserve: Great for Airport Lounge Access

The Chase Sapphire Reserve is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

Chase Sapphire Reserve®
  • Earn 60,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Verdict

The Chase British Airways Visa is a pretty good card overall. It is worth at least opening for the large sign-up bonus if you can meet the high minimum spend requirement.

100,000 Bonus Avios
Chase British Airways
  • Earn Up to 100,000 Avios: 75,000 Avios After Spending $5,000 in the First 3 Months & 25,000 Avios After Spending $20,000 in First 12 Months
  • 3x Avios on British Airways, Aer Lingus, and Iberia
  • 2x Avios on Hotels Booked Direct
  • Up to $600 Reward Flight Statement Credits
  • Baggage Delay and Lost Luggage Insurance
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

Frequently Asked Questions

What is the annual fee of British Airways card?

$95 annual fee.

Can I earn British Airways Avios on other cards?

Yes, there are many credit cards that can earn British Airways Avios via transfers including the:

  • Chase Iberia card
  • Chase Aer Lingus card
  • Chase Ultimate Rewards cards.
  • American Express Membership Rewards cards.

Travel Together Ticket

If you spend $30,000 in a calendar year on this card, you are eligible for a Travel Together Ticket good for two years. This allows you to book two award tickets departing the U.S. for the price of one. This even includes business and first-class.

All you have to do is pay the taxes and fees on the companion ticket, which could be partially offset by the $600 award flight credits above.

Baggage Delay Insurance

Baggage delay insurance can reimburse you for the cost of necessary personal and business items if (1) you purchased your trip with this card and (2) your bag is delayed by a common carrier like an airline, train, ferry, or cruise ship, etc.

Common reimbursable items include clothing, toiletries, and phone chargers, which can be a life-saver when you are without your bag.

Lost Luggage Reimbursement

Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.

You must purchase the trip with this card, and it will also cover immediate family members traveling with you.

Coverage is also secondary to any reimbursement from the airline or common carrier. For example, if your bag and its contents were worth $1,000 and the airline gave you $200, you could file a claim for $800.

Luggage

No Foreign Transaction Fees

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Santorini Europe

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.

You still need to maintain liability car insurance to cover damage to another person or property.

Rental Car Insurance
Photo: Hertz

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.

But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.

Purchase Protection

Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.

For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.

Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.

Credit Card Purchase Protection Broken Phone

Alternatives to the Chase British Airways Card

There a few alternatives to the British Airways credit card that allow you to transfer credit card points to British Airways Avios.

Chase Sapphire Preferred: Great Starter Travel Card

Great Starter Travel Card
Chase Sapphire Preferred®
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on Travel
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal and 3x points on dining, online groceries, and streaming services. 

The Chase Sapphire Preferred offers a 10% anniversary points bonus, 12-month DoorDash DashPass subscription, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

Chase Sapphire Reserve: Great for Airport Lounge Access

Chase Sapphire Reserve®
  • Earn 60,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

The Verdict

The Chase British Airways Visa is a pretty good card overall. It is worth at least opening for the large sign-up bonus if you can meet the high minimum spend requirement.

100,000 Bonus Avios
Chase British Airways
  • Earn Up to 100,000 Avios: 75,000 Avios After Spending $5,000 in the First 3 Months & 25,000 Avios After Spending $20,000 in First 12 Months
  • 3x Avios on British Airways, Aer Lingus, and Iberia
  • 2x Avios on Hotels Booked Direct
  • Up to $600 Reward Flight Statement Credits
  • Baggage Delay and Lost Luggage Insurance
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

Frequently Asked Questions

$95 annual fee.

Yes, there are many credit cards that can earn British Airways Avios via transfers including the:

  • Chase Iberia card
  • Chase Aer Lingus card
  • Chase Ultimate Rewards cards.
  • American Express Membership Rewards cards.