British Airways Visa Signature

Annual fee: $150
Network: visa
Type: personal

It earns British Airways Avios, with elevated rewards on eligible British Airways, Iberia, Aer Lingus, and hotel purchases and a base rate on other spending.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$1,040

What the issuer advertises.

02Realistic

$1,000

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$40 of the advertised value — 4% — comes with strings attached.

Why Perqt says this

$1,040 advertised across 3 benefits.
$40 (4%) needs a booking, enrollment, or deadline.
Biggest credit — DoorDash non-restaurant quarterly discount, $40 — only via DoorDash.
Reward Flight statement credits ($600) posts automatically. No hoops.
No-hoops value covers 667% of the annual fee.

Better fit if

You book travel through DoorDash.
You'll actually use Reward Flight statement credits.
3× on flights matches your spend.

Probably not if

You book direct, not via DoorDash.

How Perqt calculates this

Welcome offer

Earn 75,000 Avios after spending $5,000 on purchases within the first 3 months from account opening.

Est. value: $1,125
Minimum spend: $5,000
Within: 3 mo

Earning rates

All other purchases
On all other eligible purchases
1×
pts
British Airways Avios
Top earn
Flights
On flight purchases with British Airways, Aer Lingus, Iberia, and LEVEL
3×
pts
British Airways Avios
Hotels
On hotel stays booked directly with the hotel
2×
pts
British Airways Avios

On-card benefits & credits

Reward Flight statement credits
$600
/Annual
Receive $100 per eligible Economy or Premium Economy Reward Flight booking, or $200 per eligible Business or First booking, up to three credits and $600 per calendar year. The eligible transatlantic itinerary must originate in the U.S. on British Airways-operated aircraft, and taxes, fees, and charges must be paid with the card.
Travel Together Ticket (Spend Tier)
$400
/Annual
Unlocks after $30,000 calendar-year spend on the card. The voucher is valid for two years and can add a companion to an eligible Reward Flight for no additional Avios or reduce the Avios price by 50% for solo travel; taxes, fees, and charges still apply.
DoorDash non-restaurant quarterly discount
$10
/Quarterly
DashPass members receive up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter through December 31, 2027. The discount does not roll over, and unused value from a redeemed order is forfeited.
Purchase protection
$0
/Annual
Covers eligible new purchases against damage or theft for 120 days from purchase, up to $500 per item. For New York residents, the coverage period is 90 days.
10% off British Airways flights
$0
/Annual
Get 10% off eligible British Airways-operated flights from the U.S. to London and beyond. The cardmember must travel, pay in USD with the card, and book through ba.com/Chase10 using the promotion code.
Baggage delay insurance
$0
/Annual
Reimburses essential purchases such as toiletries and clothing when baggage is delayed more than six hours, up to $100 per day for as many as three days. Coverage requires use of the card and is subject to restrictions and exclusions.
Pay Reward Flight fees with Avios
$0
/Annual
Use Avios toward taxes, fees, and carrier-imposed charges on a British Airways Reward Flight, reducing the required cash payment to a minimum of $5. Booking must be made by phone through the British Airways Club Contact Centre, and the remaining amount must be charged to the card.
Lost luggage reimbursement
$0
/Annual
Reimburses repair or replacement of checked or carry-on baggage that is lost, damaged, or stolen during a covered trip, up to $3,000 per covered traveler. New York-specific limits also apply.
12 months complimentary DashPass
$0
/One-time
Receive 12 months of complimentary DashPass for DoorDash and Caviar when first activated by December 31, 2027. After the complimentary period, membership renews automatically at the then-current monthly rate unless canceled.
No foreign transaction fees
$0
/Annual
No foreign transaction fees apply to purchases made outside the United States.
Extended warranty protection
$0
/Annual
Extends an eligible manufacturer's U.S. warranty by one additional year when the original warranty is three years or less, up to four years from the purchase date.

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