British Airways Visa Signature Card
$95 annual fee · $40/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Hotels | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at British Airways, Aer Lingus, Iberia and LEVEL only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
3x | uncapped |
See how it ranks: best hotels cards.
Signup bonus: 75,000 points after $5,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $40/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| DashPass DoorDash credit | $40/year | quarterly · enrollment required · through 2027-12-31 |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Spend-gated credits
- Reward Flight Statement Credits
These require qualifying spend or status, so we exclude them from every total.
Non-cash perks
- Travel Together Ticket: earned every calendar year the cardmember spends $30,000; valid 2 years; lets a companion redeem an Avios reward flight for free (taxes/fees still apply) or gives 50% off Avios needed for a solo reward flight — no dollar face value
- 10% off British Airways flights departing the US, booked via the ba.com/Chase10 promo portal
- Ability to pay taxes, fees, and carrier charges on Avios reward flights using Avios
- Oneworld alliance redemption access to Alaska, American, Aer Lingus, Cathay Pacific, Finnair, Iberia, Japan Airlines, LEVEL, Malaysia Airlines, Qantas, Qatar Airways, Royal Jordanian, Royal Air Maroc
- No foreign transaction fees
- Baggage Delay Insurance: up to $100/day for 3 days
- Purchase Protection: up to $500/item for 120 days (90 days for NY residents)
- Lost Luggage Reimbursement: up to $3,000 per covered traveler
Does the fee earn out? · how we got this
The $95 fee minus $40 in printed credits leaves $55/yr to earn back through rewards — roughly $2,116 of hotels spending at 2x (valuing Avios at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at British Airways, Aer Lingus, Iberia and LEVEL. Its largest printed rate, 3x on flights, pays only at British Airways, Aer Lingus, Iberia and LEVEL. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Comparing cards in the same currency? See the best cards that earn Avios →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.