British Airways Visa Signature Card
$95 annual fee · $40/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates
| 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.
Statement credits — $40/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| DashPass DoorDash credit | $40/year | quarterly · enrollment required |
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?
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.
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.