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PERSONAL CARD

British Airways American Express® Credit Card

British Airways American Express® Credit Card

Representative 22.2% APR
Receive 5,000 Avios
You could get closer to your next adventure with 5,000 Avios when you spend £1,000 or more in your first six months of Cardmembership1.



Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
PERSONAL CARD

British Airways American Express® Premium Plus Card

British Airways American Express® Premium Plus Card

Representative 74.7% APR
Receive 25,000 Avios
You could get closer to your next adventure with 25,000 Avios when you spend £3,000 or more in your first six months of Cardmembership2.



Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
BUSINESS CARD

British Airways American Express® Accelerating Business Card

British Airways American Express® Accelerating Business Card

Representative 80.3% APR
Receive 2,200 On Business Points
Earn two types of travel rewards on your business spend for increased choice and flexibility. Get 2,200 On Business Points when you spend £3,000 or more in your first six months of Cardmembership7.

Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
Select Category
Representative Example
  • Representative APR
    Purchase Rate
    22.2% APR
    22.2% p.a.
    (Variable)
    (Variable)
    Assumed Credit Limit
    Annual Fee
    £1,200
    £0
  • Representative APR
    Purchase Rate
    74.7% APR
    22.2% p.a.
    (Variable)
    (Variable)
    Assumed Credit Limit
    Annual Fee
    £1,200
    £195
  • Representative APR
    Purchase Rate
    80.3% APR
    22.2% p.a.
    (Variable)
    (Variable)
    Assumed Credit Limit
    Annual Fee
    £1,200
    £2108
HighLights
  • Welcome Offer
  • 5,000 bonus Avios welcome offer
  • 25,000 bonus Avios welcome offer
  • 2,200 bonus On Business Points welcome offer7
  • Earn Rate
  • 1 Avios for every £1 spent1
  • 1.5 Avios for every £1 spent23 Avios for every £1 spent direct with British Airways or BA Holidays2
  • 1.5 Avios for every £1 spent91.5 On Business Points for every eligible £1 spent with British Airways10
  • More Benefits
  • No annual fee
  • Get a Companion Voucher when you spend £10,000 each year3
  • Receive an extra 3,000 On Business Points annually when you spend £20,000 or more by your Card anniversary11Up to 56 calendar days interest free (when you pay your balance in full)12 or the choice to pay over time with interest.
Rewards
  • Avios and On Business Points
  • Collect 1 Avios for every £1 you spendReceive 5,000 bonus Avios when you spend £1,000 in your first six months of Cardmembership1
  • Collect 1.5 Avios for every £1 you spendCollect 3 Avios for every £1 you spend direct with British Airways or BA HolidaysReceive 25,000 bonus Avios when you spend £3,000 in your first six months of Cardmembership2
  • Collect 1.5 Avios for every £1 you spend9Collect 1.5 On Business Points for every eligible £1 spent with British Airways10Receive 2,200 On Business Points when you spend £3,000 or more in your first six months of Cardmembership7
  • Earn Loyalty Rewards
  • Get a Companion Voucher when you spend £20,000 each year on the Card, which you can use to take a companion with you in the same flight and cabin when you redeem Avios for a British Airways reward flight3. Taxes, fees and carrier charges apply per person
  • Get a Companion Voucher when you spend £10,000 each year on the Card, which you can use to take a companion with you in the same flight and cabin when you redeem Avios for a British Airways reward flight3. Taxes, fees and carrier charges apply per person
  • Receive an extra 3,000 On Business Points annually when you spend £20,000 or more by your Card anniversary11 to further maximise your businesses travel budget.
  • Rewards Flights
  • 9,000 Avios
    One return flight from London to 50 European destinations*4

    25,000 Avios
    One return flight from London to 140 European destinations OR a one-way flight from London to anywhere in the USA, Caribbean or Middle East*4

    *Terms, taxes, fees and carrier charges apply.
  • 9,000 Avios
    One return flight from London to 50 European destinations*4

    25,000 Avios
    One return flight from London to 140 European destinations OR a one-way flight from London to anywhere in the USA, Caribbean or Middle East*4

    *Terms, taxes, fees and carrier charges apply.
  • 9,000 Avios
    One return flight from London to 50 European destinations*4

    25,000 Avios
    One return flight from London to 140 European destinations OR a one-way flight from London to anywhere in the USA, Caribbean or Middle East*4

    9,000 On Business Points
    One return economy flight13 from London to New York*

    *Terms, taxes, fees and carrier charges apply.
  • Spending Avios and On Business Points
  • You can redeem your Avios on: Rewards FlightsCabin UpgradesCash and Avios: Pay for part of the price of a flight with AviosCar RentalHotel Rooms
  • You can redeem your Avios on: Rewards FlightsCabin UpgradesCash and Avios: Pay for part of the price of a flight with AviosCar RentalHotel Rooms
  • You can redeem your Avios on: Rewards FlightsCabin UpgradesCash and Avios: Pay for part of the price of a flight with AviosCar RentalHotel RoomsYou can redeem your On Business Points15 on:Flights (plus book up to one day before travel for anyone in your business)Cabin UpgradesAccess to a network of flights across British Airways, Iberia and American Airlines
  • Supplementary Cards
  • Receive more Avios with complimentary Supplementary Cards for family and friends5 (subject to approval)
  • Receive more Avios with complimentary Supplementary Cards for family and friends5 (subject to approval)
  • Receive more Avios14 and On Business Points15 with up to 99 complimentary Supplementary Cards17 for your employees.
Travel
  • Insurance
  • You're insured for up to £75,000 against accidents on public transport when you buy your ticket with your Card6
  • You're insured for up to £250,000 against accidents on public transport when you buy your ticket with your Card6Flight cancellations, delays and delayed baggage – they're all covered when flights are purchased on your Card6
  • You're insured for up to £250,000 against accidents on public transport when you buy your ticket with your Card16Flight cancellations, delays and delayed baggage – they're all covered when flights are purchased on your Card (with greater protection when you fly British Airways)16
  • Global Assist
  • Global Assist® provides medical and legal assistance when you travel outside the UK, 24/718
World Class Service
  • Refund Protection
  • Enjoy Refund Protection on all eligible items you buy on your Card in the UK. Items are covered for up to 90 days and we'll replace or refund up to a maximum of £200, even if the retailer won't6
  • Enjoy Refund Protection on all eligible items you buy on your Card in the UK. Items are covered for up to 90 days and we'll replace or refund up to a maximum of £300, even if the retailer won't6
  • Enjoy Refund Protection on all eligible items you buy on your Card in the UK. Items are covered for up to 90 days and we'll replace or refund up to a maximum of £300, even if the retailer won't16
  • Purchase Protection
  • Your Purchase Protection means that if you bought an eligible item with your Card and it’s stolen or damaged within 90 days of purchase, we’ll replace or repair it, or refund you up to £2,500 per item6, 16
  • Security
  • If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you as part of our Fraud Protection Guarantee16
  • American Express Experiences®
  • Enjoy access to purchase some of the hottest tickets in town with American Express Experiences
Eligibility
  • Eligibility on All Cards
  • To save you time, before applying it's worth making sure you can say yes to all the following:I am aged 18 or overI have a current UK bank or building society accountI have a permanent UK home addressI have no history of bad debtYou will not be eligible to receive any welcome bonus offer for: (i) the British Airways American Express Premium Plus Card, if you hold or have held any personal British Airways American Express Card product in the past 24 months, or (ii) the British Airways American Express Credit Card, if you hold or have held any personal American Express Cards in the past 24 months
  • Additional Eligibility for Business Cards
  • The business has a current UK Bank or Building Society accountYou/The business have/has no County Court Judgements for non-payment of debtYou will pay the annual Cardmembership fee of £210You understand and meet the British Airways On Business requirements. To access the On Business benefits, your company must not be a travel agency, ticket brokerage firm or consolidator AND your company does not have an existing corporate incentive agreement with British Airways, Iberia or American Airlines. (Visit ba.com/onbusiness for criteria)
Representative Example
Representative APR
Purchase Rate
22.2% APR
22.2% p.a.
(Variable)
(Variable)
Assumed Credit Limit
Annual Fee
£1,200
£0
HighLights
  • Welcome Offer
  • 5,000 bonus Avios welcome offer
  • Earn Rate
  • 1 Avios for every £1 spent1
  • More Benefits
  • No annual fee
Rewards
  • Avios and On Business Points
  • Collect 1 Avios for every £1 you spendReceive 5,000 bonus Avios when you spend £1,000 in your first six months of Cardmembership1
  • Earn Loyalty Rewards
  • Get a Companion Voucher when you spend £20,000 each year on the Card, which you can use to take a companion with you in the same flight and cabin when you redeem Avios for a British Airways reward flight3. Taxes, fees and carrier charges apply per person
  • Rewards Flights
  • 9,000 Avios
    One return flight from London to 50 European destinations*4

    25,000 Avios
    One return flight from London to 140 European destinations OR a one-way flight from London to anywhere in the USA, Caribbean or Middle East*4

    *Terms, taxes, fees and carrier charges apply.
  • Spending Avios and On Business Points
  • You can redeem your Avios on: Rewards FlightsCabin UpgradesCash and Avios: Pay for part of the price of a flight with AviosCar RentalHotel Rooms
  • Supplementary Cards
  • Receive more Avios with complimentary Supplementary Cards for family and friends5 (subject to approval)
Travel
  • Insurance
  • You're insured for up to £75,000 against accidents on public transport when you buy your ticket with your Card6
  • Global Assist
  • Global Assist® provides medical and legal assistance when you travel outside the UK, 24/718
World Class Service
  • Refund Protection
  • Enjoy Refund Protection on all eligible items you buy on your Card in the UK. Items are covered for up to 90 days and we'll replace or refund up to a maximum of £200, even if the retailer won't6
  • Purchase Protection
  • Your Purchase Protection means that if you bought an eligible item with your Card and it’s stolen or damaged within 90 days of purchase, we’ll replace or repair it, or refund you up to £2,500 per item6, 16
  • Security
  • If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you as part of our Fraud Protection Guarantee16
  • American Express Experiences®
  • Enjoy access to purchase some of the hottest tickets in town with American Express Experiences
Eligibility
  • Eligibility on All Cards
  • To save you time, before applying it's worth making sure you can say yes to all the following:I am aged 18 or overI have a current UK bank or building society accountI have a permanent UK home addressI have no history of bad debtYou will not be eligible to receive any welcome bonus offer for: (i) the British Airways American Express Premium Plus Card, if you hold or have held any personal British Airways American Express Card product in the past 24 months, or (ii) the British Airways American Express Credit Card, if you hold or have held any personal American Express Cards in the past 24 months
  • Additional Eligibility for Business Cards
  • The business has a current UK Bank or Building Society accountYou/The business have/has no County Court Judgements for non-payment of debtYou will pay the annual Cardmembership fee of £210You understand and meet the British Airways On Business requirements. To access the On Business benefits, your company must not be a travel agency, ticket brokerage firm or consolidator AND your company does not have an existing corporate incentive agreement with British Airways, Iberia or American Airlines. (Visit ba.com/onbusiness for criteria)
PERSONAL CARD

British Airways American Express® Credit Card

British Airways American Express® Credit Card

Representative 22.2% APR
Receive 5,000 Avios
You could get closer to your next adventure with 5,000 Avios when you spend £1,000 or more in your first six months of Cardmembership1.



Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
PERSONAL CARD

British Airways American Express® Premium Plus Card

British Airways American Express® Premium Plus Card

Representative 74.7% APR
Receive 25,000 Avios
You could get closer to your next adventure with 25,000 Avios when you spend £3,000 or more in your first six months of Cardmembership2.



Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
BUSINESS CARD

British Airways American Express® Accelerating Business Card

British Airways American Express® Accelerating Business Card

Representative 80.3% APR
Receive 2,200 On Business Points
Earn two types of travel rewards on your business spend for increased choice and flexibility. Get 2,200 On Business Points when you spend £3,000 or more in your first six months of Cardmembership7.

Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
TERMS AND CONDITIONS
1. For the British Airways American Express Credit Card, 5,000 Welcome Offer Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £1,000 on goods and services to the Account within six months of Account opening. Please note it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend. For the Credit Card, you will be awarded 1 Avios for every £1 spent and charged per transaction. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, 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. Written details available on request. Introductory offers are not available if you currently hold or have held any personal American Express Card product in the past 24 months.
2. For the British Airways American Express Premium Plus Card, the 25,000 Welcome Offer Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £3,000 on goods and services to the Account within six months of Account opening. Please note it can take up to one month for the Welcome Offer Avios to be awarded to your Account once you have met the required spend. For the Premium Plus Card, you will be awarded 1,5 Avios for every £1 spent and charged per transaction, and 3 Avios for every £1 you spend direct on British Airways flights and holidays. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, 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. Written details available on request. Introductory offers are not available if you currently hold or have held any personal British Airways American Express Card product in the past 24 months.
3. Terms and Conditions apply to Avios redemptions. Reward flights and Companion Voucher bookings are subject to availability. Detailed information on Companion Voucher can be found at britishairways.com/travel/amexcompaniotc/public/en_gb or by calling 0844 493 0750 (calls cost 7ppm plus your telephone company access charge).
4. Examples shown are based on redeeming Avios through the British Airways Executive Club programme for return flights departing from and returning to London. *Terms, taxes, fees and carrier charges apply. Calculations made using the British Airways Avios Points Calculation website on 9 July 2018, found at britishairways.com/travel/flight-calculator/public/en_gb. Reward bookings are subject to availability and cannot be waitlisted. Reward bookings are subject to taxes, fees and carrier charges. BA Terms and Conditions apply and can be found at www.britishairways.com/en-gb/executive-club/terms-and-conditions.
5. Supplementary Cards allow you to share the benefits of your British Airways American Express Card with others close to you. You will be the main Cardmember and will be liable for all charges made on the Supplementary Card(s). Additional Cardmembers must be 18 years or over. Written details available on request. Applicants must be 18 years old or over. Approval subject to status and Terms and Conditions apply.
6. Subject to enrolment, for more information click here . Terms and Conditions apply. Please see these Insurance Terms and Conditions for full details relating to the British Airways American Express Credit Card. Alternatively, please see these Insurance Terms and Conditions for full details relating to the British Airways American Express Premium Plus Card. Please read these documents to understand the limits and exclusions that may apply.
7. The 2,200 bonus On Business Points will be awarded once you have been approved and you have spent and charged a minimum of £3,000 on goods and services to the Account within three months of Account opening. Interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit, are not eligible towards the bonus. Your account must be in good standing at the time of earning the bonus. All introductory offers are subject to change and can be withdrawn at any time. On Business Points are issued and redeemed subject to On Business Programme terms and conditions terms and conditions.
8. A £210 annual Card fee will automatically be charged to your Account on or after the anniversary of your account opening date. Applicants must be UK residents, aged 18 or over. Approval is subject to status and terms and conditions apply.
9. You will be awarded 1.5 Avios for every eligible £1 spent and charged per transaction. Avios are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Please refer to full benefit terms and conditions associated with your Card Account for all eligibility criteria. Avios are issued and redeemed subject to British Airways Executive Club terms and conditions and will be reflected on your British Airways Executive Club account.
10. Your Company will earn an incremental 50% more On Business Points on the base On Business earn for British Airways flights purchased on the Card. For illustrative purposes, you would earn 1.5 On Business Points for every eligible £1 spent directly with British Airways for eligible flights purchased with this Card Account. Of this, 0.5 On Business Points compose the Amex Accelerator, the remainder being your base On Business Point earn. Please refer to full benefit terms and conditions associated with your Card Account for all benefit eligibility criteria. On Business Points are issued and redeemed subject to On Business Programme terms and conditions.
11. The 3,000 bonus On Business Points will be awarded once you have spent and charged a minimum of £20,000 by the Card Anniversary of your primary Card. Interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit, are not eligible towards the bonus. Your account must be in good standing at the time of earning the bonus. On Business Points are issued and redeemed subject to On Business Programme terms and conditions.
12. The maximum amount of time for interest free payment on purchases is 56 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date. If you only make a minimum payment every month, then interest rates will apply, and it will take you longer to pay off your balance.
13. Examples are representative of redeeming On Business Points and Avios are correct as of September 2019 and subject to change. Find out more about the On Business programme, the booking process, and terms and conditions on ba.com/onbusiness. On Business flights and cabin upgrades are subject to applicable taxes, fees, carrier charges and surcharges. Find out more about Reward flights, the British Airways Executive Club and its terms and conditions at. ba.com/executive club.
14. Find out more about Avios, the British Airways Executive Club and its terms and conditions at ba.com/executiveclub.
15. Find out more about the On Business Programme, the booking process, and terms and conditions on ba.com/onbusiness. Flights can be redeemed on British Airways, Iberia and American Airlines; cabin upgrades can be redeemed on British Airways and Iberia flights. On Business flights and cabin upgrades are subject to applicable taxes, fees, carrier charges and surcharges.
16. Subject to enrolment, for more information click here. Please read the Insurance Documentation of the British Airways American Express Accelerating Business Card for full details of the Protection benefits currently available and to understand the limits and exclusions that may apply.
17. Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. As part of the annual fee, main Account holders receive up to 99 complimentary Supplementary Cards.
18. Global Assist services are included without a fee; however, cash advances, medical, shipping and other costs are charged to your designated Card. Your approval will be sought prior to incurring any costs.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.