The British Airways card is a great card for the first year, but the lack of benefits beyond the first year don’t justify the $95 annual fee. The bonus is usually quite good but requires a high minimum spend. Additionally, British Airways points are worth above 2 cents per points, so putting regular spend on the card is a good idea.
- Target Bonus: 100,000 Avios
- Current Avios: 120,000 Avios. However, this bonus is structured as 4 Avios per dollar your first year up to $30,000 in spending (120,000 Avios maximum)
Annual Fee: $95
- 3x Avios at British Airways, Iberia, and Aer Lingus
- 1x Avios everywhere else
British Airways Card Benefits
- No foreign transaction fees
- Secondary rental car insurance
- Baggage delay insurance
- 120-day purchase protection
- Lost luggage reimbursement
Comparison of All Three Chase Avios Credit Cards
Chase has three credit cards that earn Avios: (1) British Airways, (2) Iberia, and (3) Aer Lingus. All three airlines are owned by IAG and points can be transferred between the three programs.
British Airways Iberia Aer Lingus Application Link Link Link Link Bonus 100,000 100,000 100,000 Minimum Spend for Full Bonus $20,000 $20,000 $20,000 Annual Fee $95 $95 $95 Earning 3x on British Airways; 1x everywhere else 3x on IAG airlines; 1x everywhere else. 3x on IAG airlines; 1x everywhere else. Benefits No foreign transactions fees, secondary rental car insurance, baggage delay insurance, purchase protection, lost luggage reimbursement, and extended warranty No foreign transactions fees No foreign transaction fees Airline Perks Travel Together Ticket if you spend $30,000. Must pay fees for ticket. 10% discount on flights. $1,000 discount voucher when purchasing 2 tickets if you spend $30,000 in a calendar year. 10% off Iberia flights. Companion ticket if you spend $30,000 (no taxes or fees). Priority Boarding