British Airways
American Express^® Credit Card

• Sample Terms and Conditions
• Summary Box
• Insurance Documentation
• Sample Standard European Consumer Credit Information and Additional Explanations
• Your Guide to the Lending Code

American Express may vary the %APR, interest rates and other charges from time to time. The minimum amount you must pay us each month will be the greater of £25 (or the total amount owing if less) or the sum of: 2% of the principal amount owing; interest; default fees; repayment protection insurance, overlimit and overdue amounts and 1/12th of any annual fees or the full monthly fee (if applicable to the product you hold). You may pay off your balance in full at any time.

Your APR Explained - As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.

Your personal APR for purchases will be 15.9% APR (variable) or 19.9% APR (variable).

At least 51% of our customers receive our best purchases rate of 15.9%. Customers accepted at either rate will receive the same level of rewards, servicing and other benefits.

1. 3,000 bonus Avios will be awarded onto your account once you have been approved and you have spent and charged a minimum of £500 on goods and services to the account within three months of account opening. Introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other British Airways American Express Cards in the past 6 months. Please note that it can take up to one month for bonus Avios to be awarded to your account.
2. Terms and Conditions apply to Avios redemptions. Reward flights and companion voucher bookings are subject to availability. Detailed information on companion vouchers can be found here; detailed information on Avios redemptions can be found can be found here. All applicable terms and conditions will be provided within your Welcome Pack if you are approved.
3. American Express Services Europe Limited (“AESEL”) makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Details can be found on the American Express website. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card.  Please read this document to understand the limits and  exclusions that may apply.
4. Avios are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. The information relating to the financial information of the Card is the responsibility of American Express Services Europe Limited and British Airways accepts no responsibility for inaccuracies. British Airways plc, registered in England and Wales (company number 1777777) is an introducer appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited.

The British Airways American Express Cards are offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom registered in England and Wales with Company Number 1833139, and authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Services Authority. Details can be found on the FSA Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.