Atmos Rewards Ascent Visa Signature Credit Card
bank of america
4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $95
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Chase · british airways
British Airways Visa Signature Credit Card
3.6 / 5
Avios · Personal card
The $95 fee is easy to cover if you fly British Airways from the US, because the Reward Flight statement credits are worth up to $600 a year. Everyday earning is weak at 1 Avios per dollar, and Avios are only useful inside the Avios ecosystem.
At a glance
- Welcome bonus
- 75,000 miles
- Spend $5,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 19.49% to 27.99%
- No intro APR
- FX fee
- None
Editorial
Our take
The $95 fee is easy to cover if you fly British Airways from the US, because the Reward Flight statement credits are worth up to $600 a year. Everyday earning is weak at 1 Avios per dollar, and Avios are only useful inside the Avios ecosystem.
Verdict
Pros & cons
Pros
- Up to $600 a year in Reward Flight statement credits
- 75,000 Avios bonus after $5,000 in 3 months
- No foreign transaction fees
- Travel Together Ticket at $30,000 in annual spend
Cons
- Only 1 Avios per dollar outside British Airways, Aer Lingus, Iberia, LEVEL and hotels
- $95 annual fee is not waived the first year
- Avios redemptions carry high carrier-imposed charges on many routes
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| British Airways, Aer Lingus, Iberia & LEVEL flights | 3x miles | Flight purchases made directly with British Airways, Aer Lingus, Iberia and LEVEL. |
| Hotels | 2x miles | Hotel accommodations purchased directly with the hotel. |
| All other purchases | 1x miles |
Benefits
Key benefits
Reward Flight statement credits
Statement credits of $100 for Economy and Premium Economy or $200 for Business and First, up to three times a year and up to $600 per calendar year, when you book a British Airways Reward Flight and pay the taxes, fees and carrier charges with the card.
Travel Together Ticket
Spend $30,000 on purchases in a calendar year to earn a Travel Together Ticket, valid two years for a companion on a British Airways Avios reward flight or for a 50% Avios discount when travelling solo.
10% off British Airways flights
Book at ba.com/Chase10 with the promotion code in your welcome materials to take 10% off British Airways flights starting in the US.
2,500 Avios each anniversary
You receive 2,500 bonus Avios each account anniversary year.
No foreign transaction fees
Purchases made outside the United States carry no foreign transaction fee.
Fit
Who this is best for
- Transatlantic British Airways flyers
- Avios collectors
- Travelers who can hit $30,000 in a year for the Travel Together Ticket
FAQ
Frequently asked questions
What is the British Airways Visa welcome bonus?
Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Does the British Airways Visa charge an annual fee?
Yes. The annual fee is $95 every year.
Does the British Airways Visa have a foreign transaction fee?
No. The British Airways Visa charges no foreign transaction fee, so it works well for international purchases.
What APR does the British Airways Visa charge?
The purchase APR is 19.49% to 27.99% variable.
Who is the British Airways Visa best for?
Transatlantic British Airways flyers. Avios collectors. Travelers who can hit $30,000 in a year for the Travel Together Ticket.
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Apply
British Airways Visa Signature Credit Card
Spend $5,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.