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Your Credit Card

Here is all you need to know about getting started with your new British Airways American Express Credit Card. You’ll find helpful advice about online Credit Card activation, managing your Account online and shopping confidently with your Credit Card.

Getting started

  • How to activate your Credit Card
  • Online Services
  • Your British Airways Executive Club account
  • Amex App
  • Social updates

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Using your Credit Card

  • Your Credit Card PIN
  • Places to use your Credit Card
  • Contactless
  • Mobile payments
  • Shop confidently
  • Retail Protection benefits

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Managing your Account

  • Your statement and paying your bill
  • Account alerts
  • Supplementary Cards

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Rewards and Offers

Your British Airways American Express Credit Card can open doors to a world of destinations and experiences. As a Cardmember, you'll collect Avios1 on purchases on your Credit Card. These will then be transferred to your British Airways Executive Club account, ready for you to redeem on a range of rewards.

Plus, you can take advantage of both Amex Offers and British Airways Executive Club benefits2.

Avios

Collecting Avios

You'll collect Avios on purchases made on your
British Airways American Express Credit Card1, so you can turn the things you buy everyday into incredible trips.

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Redeeming Avios

There are a number of ways to use your Avios, including redeeming for British Airways reward flights, flight upgrades, part payment of flights and more.

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Rewards calculator

By entering your average monthly spend on your British Airways American Express Credit Card into the calculator below, you'll see how quickly your Avios could add up and some of the ways you could reward yourself.

Enter your average monthly spend:

£
£
£
£

per month
Avios per month

Here are just some ways you can use your Avios:

Reward flights

0

Cabin upgrades

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Visit ba.com to find out more

Part payment

Points towards Purchases

Visit ba.com to find out more

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With Amex Offers, you can enjoy a delightful range of offers across dining, retail, travel, and more2. To choose from our enticing array of offers, from statement credits to extra Avios, just follow these three steps.

Step 1: Explore all your delightful offers. Log in to your Account online or via the Amex App and select ‘Offers’

Step 2: Select the offers you like and save them to your Credit Card

Step 3: Spend on your saved Credit Card in-store or online to get your offer.

Explore offers >

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Take advantage of Member-only deals, exclusive offers and other news from the British Airways Executive Club2. Visit ba.com to find out more.

ba.com >

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24 - 7 Support

Whether you’re at home or on the go, you can service your Credit Card Account at your convenience.

FAQs

Here are just a selection of FAQs that may be of interest to you as a new Cardmember. For further information, please view the full FAQs.

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Terms and Conditions

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1. With the British Airways American Express Credit Card, you will be awarded 1 Avios for every full £1 spent on purchases and charged per transaction. You may also be eligible for a Welcome bonus offer, something you will have been notified about at the time of your application. If eligible, you can find out more about your Welcome bonus by logging in to Online Services once you have registered, or by calling the number on the back of your Credit Card. Supplementary Card applications are not eligible for Welcome Bonus offers. Executive Club Terms and Conditions apply. Avios are issued and redeemed subject to British Airways Terms and Conditions and will be reflected on your British Airways Executive Club account. Full Terms and Conditions can be viewed here. Avios are collected on British Airways Avios eStore shopping and on Credit Card spend. Cardmembers are only eligible to earn Avios on their Credit Card purchases with British Airways Avios eStore merchants who currently accept American Express. British Airways Avios eStore purchases must comply with the British Airways Avios eStore Terms and Conditions. Visit shopping.ba.com for full details. 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.

2. Offer Terms and Conditions apply. Please see individual offers for details.

3. Companion Voucher bookings and reward flights are subject to availability. Taxes, fees and charges relating to the Companion Voucher booking remain payable and must be paid for on the British Airways American Express Credit Card. British Airways Executive Club Terms and Conditions apply and can be found at ba.com/conditions. Once Cardmembers reach the applicable billed expenditure target on their British Airways American Express Credit Card (the £20,000), they will receive a Companion Voucher. The Voucher can only be used by the main Cardmember, who must select/advise at the time of booking a reward flight that they wish to redeem their Companion Voucher. Companion Vouchers can only be used when redeeming Avios for a British Airways reward flight, paid in full with Avios. All vouchers will be issued in the name of the main British Airways American Express Cardmember who must travel with their companion on any booking made with the Voucher. The Companion Voucher is only valid if it has been acquired in accordance with the rules of this promotion. Companion Vouchers must be exchanged for a return ticket and all outbound travel from the UK must be taken before the expiry date of the Voucher(s), which is 12 months from the date of issue for Classic Cardmembers. Tickets booked by phone need to be booked at least 48 hours in advance and will incur an additional fee. The target varies depending on the type of British Airways American Express Credit Card that the Cardmember holds: Classic Cardmembers – £20,000. Cardmembers must have accrued the target within a 12-month period ending each year on the anniversary of their Credit Card Account opening date. Spend from the previous Credit Card anniversary year will not be carried over. Spend towards the Voucher must be charged to the Account before the anniversary date. Any spend on the Credit Card made before the anniversary date but not charged to the Account until after the anniversary date will not be counted. Companion Vouchers cannot be used in conjunction with any other promotion. One Companion Voucher per main Cardmember per year. Companion Vouchers are not extendable. Reward flights and Companion Vouchers may only be used for flights on British Airways mainline services which have a British Airways prefixed flight number. Travel on franchises, codeshare or alliance airlines is not permitted. Return flights must be booked at the same time as the outward journey is booked. All travel must originate in and return to the UK. The Voucher helpline is 0844 493 0750 and is open 7.30am – 8pm 7 days a week. Calls cost a maximum of 7p per minute, plus your phone company’s access charge. Full Companion Voucher Terms and Conditions can be viewed here.

4. Please read the Insurance Documentation for full details of the Protection benefits currently available and to understand the limits and exclusions that may apply.

5. British Airways American Express Credit Cards issued after September 2011 are equipped with contactless technology. One traditional Chip & PIN transaction must be completed on your new Credit Card before you can make contactless payments. Contactless payments are possible at retailers with American Express contactless technology. Participating stores only. Please check in-store for details. For purchases of up to £30 at stores accepting American Express contactless. Some retailers may still only accept up to the previous £20 limit, whilst others may choose to allow purchases of greater than £30 specifically on Apple Pay transactions. For more information, visit americanexpress.co.uk/contactless

6. Minimum Android version 4.1 for Android app. Amex Pay is a feature of the American Express App that allows you to make purchases using an eligible American Express Card with a compatible Android device. Your Cardmember Agreement governs the use of your Credit Card in Amex Pay. Your current Credit Card does not need to be contactless in order to use Amex Pay. In order to use Amex Pay, you will need an Android device running KitKat 4.4 or above, with NFC enabled. Amex Pay may not always be available, for example due to service interruptions or merchants using obsolete terminals. You should always carry your plastic Credit Card in case. Amex is not liable for any loss or damage you suffer if you are unable to use Amex Pay at any time. With Amex Pay, you can spend up to £30 at stores accepting American Express contactless. Some retailers may still only accept up to the previous £20 limit, whilst others may choose to allow purchases of greater than £30 specifically on mobile contactless transactions. Please check in-store for details. If you register your Credit Card in Amex Pay, you must keep your device and security credentials safe and secure at all times – in the same way you would your actual Credit Card or PIN. Never share your device security credentials or allow another person to register their fingerprint to your device, as that person will be able to make payments using your Credit Card. If you do allow someone access, you will be responsible for their use of your Credit Card.

You must always use the device lock feature on your mobile device. For more information about safety and security visit the Amex Pay FAQs here.

Call us immediately using the number on the back of your Credit Card if your device has been lost, stolen or compromised in any way. We can suspend or remove your Credit Card from Amex Pay to prevent further unauthorised use.

7. Your current Credit Card does not need to be contactless in order to use Apple Pay. Minimum iOS version 9.2 required, available for eligible iPhones and iPads. For a full list of eligible devices, please visit the Apple website.

8. For more information and to view Terms and Conditions, please read our SafeKey FAQ’s.

9. 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 Supplementary Cards for free.

10. You may refer as many friends or family members as you wish but you can only receive a maximum of 90,000 Avios per calendar year for those approved for a Card. Applicants must be UK residents aged 18 years old or over. If your friend already has any British Airways American Express Cards, or has held one in the last six months, they won’t be eligible for this offer. Terms and Conditions apply.

11. Examples are representative of redeeming Avios. Rewards displayed are correct as of 25 April 2017 and are subject to change. All rewards are subject to availability. Executive Club Terms and Conditions apply. Avios are issued and redeemed subject to British Airways Terms and Conditions and will be reflected on your British Airways Executive account. Terms, taxes, fees and carrier charges apply. Full Terms and Conditions can be viewed here.

Statement of Lender and Borrower Responsibilities

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

The British Airways American Express Credit Card is offered by American Express Services Europe Limited registered office: 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.

Copyright© 2017. American Express Company. All Rights Reserved.